________________________________________________________________________CAREER OBJECTIVE:

To succeed in an environment of growth and excellence and earn a job Which provides me job satisfaction and self development and help me achieve personal as well as organizational goals

JOB PROFILE AND EXPERIENCE:

Total Experience: 7 Years & 6 Months [Banking/BFSI]Current CTC: 6.20 LakhsExpected CTC: 8.50 Lakhs [Negotiable]

CURRENT JOB PROFILE:

Organization: Axis Bank LtdRole: Manager - Operations HeadLocation: Cumbum, Tamil NaduDOJ in Axis Bk December 21, 2011DOJ in Cumbum May 5th , 2014Department: Retail Branch BankingProfile: Retail Branch Banking Front-end Operations Team Management Software: Finacle10.0Reportees: 4 FTE's [1 Teller & 3 Front Desk Officers]

JOB DESCRIPTION:

OPERATIONS:

Retail Consumer banking operations: & MIS reporting & Data Analysis:

Overall responsibility of the Branch’s daily functioning and operations. Back-up Branch Manager in his absence. Responsible for overall administration and external relationships with vendors,

government bodies, lead bank etc. Managing cash reserve ratio at branch by lending and borrowing funds within the

bank and from other banks, for daily transaction requirement and ATM requirements.

Monthly reporting and MIS compilation like Anti Money Laundering and Know Your Customer confirmation, Surprise Transaction Maintenance, High Value Transactions Monitoring and Reporting, Cash Reserve Ratio Reconciliation and Monthly Branch Certification System Updation , Monthly MIS Control Return Updation to Circe Office, Database analysis & management etc.

Implementation of new process and ensuring compliance to laid down process. Welcome calling new to base customers, cross-selling banks other products, KYC

crosschecking.

ARAVIND. S.C/o N.HarikrishnanG-1, Plot No 10, Sri Gurubagwan Appartments,Ezhil Avenue, Sakthi Nagar Extension, Madipakkam, Chennai - 600091Mobile No.: 09894313499.E-mail: aravind.psgim@gmail.com

Activation of new accounts and cards, ensuring new accounts are not getting depleted and value build-up in existing customers

Verifying Cash Transactions, Transfers RTGS/NEFT, Prepaid Cards loading reloading, gold loan entries etc

Managing display and complying with regulatory norms. Processing of Vendor payments and settling Vendor payments. Joint Custodian of deliverables like Welcome kits, Debit Cards, Cheque books,

Jewel Loan Packets etc. Issuing fresh Jewel Loans and other loans at branch level. Vendor management Accounts Receivables/ Accounts Payable management.

Risk & Compliance Related – Audit, KYC & AML Monitoring :

Approving - account opening documents, checking for form quality, ensuring First Time Rite [FTR], customer profiling and rejecting poor quality accounts.

Daily monitoring of critical reports and general ledger accounts there by ensuring no deviation in compliance and audit.

Daily monitoring of Inward and outward clearing transactions and ensuring that clearing activities are done on time without errors and inter bank settlements happen properly without any balances. Now post to implementation of Cheque Truncation System we have 95% migrated to CTS.

Initiating periodical surprise verification of cash, ATM’s, deliverables, security stationaries, precious metals register and files and security aspects thereby ensuring that the operations are in line with the laid down norms.

KYC [Know your customer] verification AML [Anti Money laundering] implementation at branch and monitoring of suspicious transactions on daily basis

Verification of daily vouchers, customer requests and other request on daily basis. Managing a team of front desk officers and tellers thereby ensuring the daily branch

operations are happening smoothly and also their sales productivity is being taken care.

Communicating and managing relationships with Statutory Authorities like – Income Tax Department, Service Tax Department, Local PF authorities, labor officials, RBI officials etc..

Attending customer complaints directly and through other mediums like phone, e-mail, CRM etc and solving the same by following it up with concerned team or by investigating the same by reviewing the audit trials.

Mutual Fund & Depository Operations:

Handing depository & mutual funds related queries. Acting as a intermediary between customer and Depository Participants & Mutual fund Asset Management Companies.

Handling customer requests like Delivery instruction slips, sell buy orders, statement requests, KYC updation and other service requests & grievances at first level relating to Depository operations & Mutual Funds Business. Processing Mutual funds,On line trading & Demat forms.

Training Operations and sales team with regards to basic product and usage of the software pertaining to Depository operations & Mutual Funds business.

General Insurance & Life Insurance Sales & Service:

Handing of insurance related service requests and grievances 7 acting as a intermediary between customer and the insurance companies.

Training and motivating branch team with regards to Life and general insurance and also with regards to claims and grievances handling procedure.

First point contact for General insurance and Life insurance Property & Causalities before handing over the same to the respective claims settlement unit.

Plastic Cards Sales & Service:

Handling customer queries and service requests with regards to Debit cards, Credit cards, Foreign Currency Cards & Prepaid cards.

Transaction monitoring and customer support with regards to cards usage. Grievances resolution with regards to Cards and solving technical issues by

coordinating with the concerned cards technical team.

Foreign Exchange Operations:

Handling retail foreign exchange transactions like Travel Currency Card Loading, Travel Cards issuance and reloading, Outward Remittances, Inward Remittances, Currency Exchange etc.

Coordinating with Trade Forex team with regards to Trade Finance activities like Letter of credit, Bank Guarantees, Advance Remittance etc.

SALES:

Sale of Retail Liability Products like Savings/Current/Non Resident Accounts, Fixed Deposits and Recurring Deposits.

Cross selling - Credit cards, Demat & Online Trading Accounts, Gold Bars, ME Machines, Prepaid Cards, Forex Services, Mutual Funds, General Insurance & Life Insurance etc

Generating Asset Products leads like Housing Loans, Personal/Business Loans/Doctor Loans, Two Wheelers, Loan Against Property/Loan Against Securities and Car Loans

PREVIOUS BRANCHES WORKED IN SAME ORGANISATION:

Organization: Axis Bank LtdRole: Manager – Operations HeadLocation: Karamadai, Tamil NaduDOJ in Profile: April 21, 2013Date Till May 4th, 2014Department: Retail Branch BankingProfile: Retail Branch Banking Front end Operations & SalesSoftware: Finacle10.0Repotees: 3 FTE's [1 Teller & 2 Front Desk Officers]

Organization: Axis Bank LtdRole: Manager – Front Desk Officer - OperationsLocation: Sathyamangalam, Tamil NaduDOJ in Profile: December 21, 2011Date Till April 20, 2013Department: Retail Branch BankingProfile: Retail Branch Banking Front end Operations & SalesSoftware: Finacle10.0

PREVIOUS ORGANISATION:

Organization: HDFC Bank LtdRole: Deputy Manager - Branch OperationsDOJ: May 3, 2007 [Joined Erstwile Centurion bank Of Punjab –

taken over by HDF bank in 2008]Department: Retail Branch BankingProfile: Front end Operations & SalesLocation: Madurai TN [erstwhile CBOP – Retail Assets 2007-2008]

Madurai TN [HDFC Bank Ltd Retail Liabilities- 2008]Cuddalore TN [HDFC Bank Ltd. Retail Liabilities Operations [2008 –April 2011]Kangeyam TN [HDFC Bank Ltd April2011- Dec 2011]

Software: Finware Retail, Finware Host, and Flexcube Retail

AWARDS AND ACHIEVEMENTS:

Axis Bank Ltd: Nostalgic November Insurance Contest Winner Freedom Run Current Account Campaign Winner Destination Black Thunder Life Insurance Contest Winner Axis Business Conference Q4 winner – Celebrity Status. Head Start Current Account campaign Winner.

HDFC Bank Ltd: MEDAL OF HONOUR WINNER – insurance contest winner for 5 lakhs premium

from one policy during the contest period. General Insurance Shub Arambh contest winner.

EDUCATIONAL QUALIFICATION:

Professional Qualification/ Skills:

NISM Series V – A : Mutual Funds Distributors Certification Examination – 66.25% TA Number – NCFM-00000868372 -Valid Till 04th October 2016

General Insurance Insurance Regulatory Authority of India – Corporate agent license – 1891411 – Valid Till 15/10/2016

Currently perusing training for NISM series VI – Depository Operations & Life insurance IRDA corporate agent certification. Expected to take the tests on April 2015.

Post Graduation: 2005-2007Post Graduate Diploma in Management/MBA Marketing SpecialisationAll India Management AssociationPSG Institute of Management, Coimbatore81%/ CGPA 3.5 [Out Of 4.33]

Under Graduation: 2002-2005B.Com [Computer Applications]SNR Sons College, CoimbatoreBharathiyar University65%

PERSONAL INFORMATION:Date of Birth: May 29, 1984.Age: 30 years.Father’s Name: Mr. Sankaran G. (Late)Nationality: Indian.Marital status: Single.Passport No: F7477841Address: C/o N.Harikrishnan

G-1, Plot No 10, Sri Gurubagwan Appartments,Ezhil Avenue, Sakthi Nagar Extension, Madipakkam, Chennai - 600091

Mobile: (+91)09894313499Email: aravind.psgim@gmail.com

LANGUAGE PROFICIENCY:

Mother Tongue: Tamil (speak, read, & write).Other languages: English (speak, read, & write).

Hindi (speak).

DECLARATION:

I hereby declare that the above-mentioned details are true to best of my knowledge.

Aravind S.