PRAJITH KUMAR M R,Mussaffah, Abudhabi, U.A.E.Email: prajith_mr@yahoo.co.inPhone: +971 - 529956101

CAREER OBJECTIVE:

To obtain a position that makes positive impact in business of the organization, by being an effective leader to direct the operation of business, resulting in customer growth and increased profitability of the organization.

EDUCATIONAL QUALIFICATION

MPIB, (specialized in Marketing & Logistics) PSG Institute of Management, India 2004 BSc. (Bachelor of Science in Industrial Electronics) Bharthidasan University, India2002 Pre-Degree from Sri Sankara College, India 1999 Matriculation from Alagappa Matriculation HSS, Karaikudi, India 1997

SUMMARY

Manager of a retail bank branch with strong leadership capability and customer focus. Able to achieve targets by inspiring team through training and setting goals for each member. Excellent communication skills and ability to understand the needs of customer has helped to achieve new heights in business.

INDUSTRY EXPERIENCE

I have more than 11 years and 9 months of experiences in various financial institutions. The details of my industry experience are listed below.

ICICI BANK LTD, KANNUR, INDIA

BRANCH MANAGER 18TH FEBRUARY 2008 TO 05TH JAN 2016

PROFILE/ RESPONSIBILITIES HANDLED:

Achieve branch business goals by acquiring new customers and improving existing relationships.

Achieve branch liability target, by acquiring new customers for both demand and time deposit, by conducting various inbound and outbound activities.

Enhancing existing relationship of customers by increasing the depth of relationship, by providing quality and time bound service.

Achieving the branch lending target by maintaining the quality of the book. The primary credit appraiser, for timely disbursement of asset products, of auto loan,

home loan, personal loan, commercial vehicle loan, business lending and sanctioning of loan against F.D, agricultural and non agricultural funding of Jewel Loans and KKV against F.D

To enhance profitability of the branch and the investment interest of the customer, sales of third party products and its service in line with the needs of the customer.

To ensure smooth flow of financial and non financial transactions in full service branch office.

Efficiently administering and managing operations by assigning workflow to the team.

Achieving the intended level of customer service and relationship by providing training, guidance and motivation to the team, and ensuring the team is customer focused.

Participate in community affairs to increase the Bank's visibility and to augment new and existing business opportunities.

Adhering to the norms and regulations of the bank and various government regulators. To evaluate the performance and to provide continuous feedback in order to improve

the efficiency of the employees.

ACHIEVEMENTS:

Worked as Branch Manager in different branches from a deposit size of 10MM INR to 1550MM INR.

Managing a team of 15 employees including both sales and operations. Branch achieved a total deposit growth of 170MM from a base of 1320MM (12.87% of

base) in Financial Year 2014-15 w.r.t to March 2014. Branch achieved 110% of the retail lending business target through mortgage loans,

personal loans, credit card, auto loans, commercial loans, business lending, agricultural lending and jewel loans.

Branch has been rated as Five Star in the latest external bank audit, which is the best rating in audit parameter.

The branch has achieved 90% and above in service quality score throughout the year. Achieved 100% of the trade revenue target of the branch through trade operations in

the year FY 14-15. Achieved the year target in third party products through the sale of life insurance,

mutual fund, general insurance and retail trade Achieved the Life Insurance target of 40MM INR in FY 14-15. Achieved all monthly contests for third party products in FY 14-15, with reference to Life

Insurance & Mutual Funds.

CITI Financial Consumer Finance

ASSISTANT MANAGER NOVEMBER 2005 TO JANUARY 2008

PROFILE/RESPONSIBILITIES HANDLED:

Recruiting, training and managing direct sales teams. Formulating targets and monitoring team performance on regular basis with regular

review and comparing with previous best performance. Improving the customer base by providing fast and better service. Cohesing with various departments of the organization for better customer satisfaction. Analyzing market and identifying competitor activities along with devising and

implementing various market strategies. Building customer base by acquiring new customers through various sales and

marketing activities. Maximizing revenue of the branch by sourcing personal loans and selling third party

products. Retaining existing customers by enhancing the loan amount as per the needs of the

customer. Assist collection department in checking delinquency rate below acceptable norms. Assist in building quality portfolio for the branch which in-turn reflects branch

profitability Contribute to build synergy between various departments (sales, credit and back

office) which helps in maintaining TAT (Turn around Time) a basic necessity for success in financial sector.

ACHIEVEMENTS:

Got promoted to Assistant Manager in a short span of one year. Consistently achieving 60% of the branch sales target with limited resources. Member of the honor award winner- BEST PROFITABLE BRANCH in the region in the

year 2006-07. Recognized as Achiever in selling allied Products.

ICICI Prudential life insurance company Ltd, APRIL 2004 to OCTOBER 2005

PROFILE/RESPONSIBILITIES HANDLED:

Selling Life insurance products to customers through a team of advisors. Training the team on various products of the company to ensure sales targets are

achieved. Ensuring organization’s retention philosophy is well followed by the team. Managing feedback from the customers through direct sales team and ensuring

negative responses are properly channelized and resolved Motivating the team to source fresh business by retaining the previous business.

ACHIEVEMENTS

Always over-achieved the sales targets month on month. Consistent performer with an average sale of 1MM INR month on month. Developed a strong, sales driven, process oriented team.

PERSONAL INFORMATION

AGE & DATE OF BIRTH : 35 YEARS, 05TH DECEMBER 1980MARITAL STATUS : MARRIEDLANGUAGES KNOWN : English, Malayalam, Tamil and Hindi.

REFERENCES

Mr. JayaprasadRetail Head – Branch Banking, ICICI Bank Ltd.jayaprasad.nair@icicibank.comPh No: +91 85890 08983

Mr. Manoj MenonRetail Head – Assets, ICICI Bank Ltdmanoj.menon@icicibank.comPh No: +91 8943 339 475