Santhosh Kumar Email & Phone Number

Coimbatore, Tn, In

Coimbatore, Tamil Nadu, India

Coimbatore, Tamil Nadu, India

Chennai Area, India

Coimbatore, Tamil Nadu, India

Lead the IDBI Capital's business in RoTN and Kerala regions

Coimbatore, Tamil Nadu, India

Relationship Manager - Mid Corporates

I started the Coimbatore Branch of EXIM Bank to service the Clients in the Rest of Tamil Nadu regionI was responsible for managing the SME, Mid-Corporate and large Corporate business in the Rest of Tamil Nadu region(Ex-Chennai).Devised and Implemented the overall strategy for the region, Monitoring of market and competitor activities and strategies to ensure EXIM Bank’s market share is improvedStructuring of Loans to suit consumer preference and implementing competent strategies with a view to penetrate into new relationships and expand existing ones, meeting pre-determined business objectives.Making presentation on the products and services of Exim Bank to trade associations and in business seminars conducted by various agencies thereby furthering the EXIM Bank’s brandManaging customer centric banking operations & ensuring customer satisfaction by achieving delivery & service quality norms in addition to complaints managementRendering suggestions to corporate clients for buying tailor-made banking solutions based on their financial capability and needs.Working in close association with the credit team to ensure that approval procedures, standards of credit are maintained and conform to controls/procedures established for the business unit. Processing of legal documentation, disbursement of loan, Co-ordination with Lawyers, Valuers, Chartered Accountants in India and other countries. Periodical monitoring of accounts with Portfolio team for credit quality and making recommendations for future credit decisions. Enhanced due diligence to eradicate delinquencies within portfolio and strategizing for smooth exits from weak accounts

I was Responsible for managing the SME and Emerging Corporate Business including, Credit, Risk and Collections for one the largest branches in Coimbatore.Developing & devising various channels including branches, Intermediaries and other alternate channels for marketing of the products. Working closely with product & service team to ensure the products and services are in tune with the market requirements.Managing team of Assistant Managers responsible for sourcing new business. Creating and sustaining a dynamic environment to foster development opportunities and ensuring high performance amongst Team members through consistent motivationMaintaining Relationship with existing customers and Systematic Monitoring of the sourced accounts Achieving budget including EOP assetsGenerating MIS reports to update the management about individual and business performance and contribute to the business

Responsible for managing the SME asset portfolio of the branch.Business development by identifying new streams of business & product devolepment in association with central team.Maintaining Relationship with existing customers and cross selling of Banks liability and third party products.

Part of the Joint Venture between Fullerton Enterprises and Centurion Bank of Punjab which later got acquired by HDFC Bank Ltd. Responsibilities included :Sourcing of SME customersMaintaining Relationship with existing customersMonitoring of the sourced accountsAchieving budget including EOP assetsCross selling of Insurance and Mutual fundRevenue Generation from trade products.

Relationship Manager for HNI Savings Account - Priority BankingResponsibilities Included : Achievement of Budget under the segment including CDABNew acquisitions Priority Banking customers Deepening of existing relationshipMonitoring outflows from the allotted accountsEnsuring KYC complianceMonitoring of high value transactions in the PB accounts

Mpib, International Business With Finance & Marketing

Bsc, Fashion Technology