Sathiyaraj S

• Astute Banking professional offering over 12 years of insightful experience with State Bank of India. 
• Functional prudence in developing & streamlining systems/processes with proven ability to enhance operational/ administrative effectiveness and meet operational goals within the cost, time & quality parameters.
• Notable success in administering operations, developing strategic business relationships, promoting financial services/ products, and delivering excellent client service.
• Brilliance in managing various loan operations, dealing with complex retail loan processes, managing client data, and maintaining confidentiality.
• Established credibility in utilizing knowledge of loan procedures to assist individuals and commercial clients.
• Demonstrated competencies while working closely with all levels of management within the Company to determine needs, develop strategies, plan, and provide support. 
• Adept at developing strategies to enhance client relations through formal and informal channels, building a cordial relationship through regular interactions
• Proven dexterity in leading and directing personnel towards the accomplishment of a common goal without compromising on employer-employee relations.

State Bank of India                                                                                                                   Dec’10- Dec’22

Growth Path:

Deputy Manager, BOPM                         Jun’21 – Dec’22

Branch Manager                                    Apr’19 – May’21

Credit Officer                                         Jul’15 – Mar’19

Customer Assistant                                Dec’10 – Jun’15

As Deputy Manager, Business Operations and Performance Monitoring 

• Streamlining the process and procedures for attaining greater efficiency in workflow and operational deliverables; achieving budgeted revenues, expenses, and net operation income with a skilled team and resource management.
• Collaborating with management for evolving strategic vision, driving change, infusing new ideas and taking product business performance and productivity to the next level, and safeguarding contributions at all levels.
• Formulating and implementing operational plans/strategy for the branch, aimed at achieving enhanced revenue, acquisition, growth, and superior level of operational performance.
• Conducting process reviews for ensuring strict adherence to the process parameters/systems as per defined guidelines; monitoring team activities regularly to verify compliance with operational procedures governing different business areas.
• Developing weekly and monthly operations reports for review and analysis and offering feedback to aid in decision-making.

As Branch Manager 

• Analyzed market conditions, competitor activities, and potential business risks to develop mitigation and improvement strategies.
• Administered budgets and managed accounts to achieve branch financial goals.
• Assessed branch processes, staff performance, and KPIs regularly to verify operations.
• Managed the day-to-day banking functions at the branch, serviced customers, and resolved queries, complaints, and requirements of customers by meeting and exceeding their service level expectations with a clear objective of attaining a competitive advantage in service.
• Planned and coordinated process improvements and new initiatives to meet clients’ needs.
• Reviewed clients’ financials to approve loans and credit lines; determined credit risk for new and existing clients to mitigate fraud and losses.

As Credit Officer / Assistant Manager

• Explored business potential, opportunities, and clientele to secure profitable business volumes by networking with prospective clients; generated business from existing accounts and achieved profitability and increased sales growth.
• Assessed the creditworthiness of clients, investigated credit applications, and maintained the credit policy.
• Identified the risk and utilized definitive risk management tools to mitigate, eliminate, or insure risk exposures.
• Conducted meetings with clients to complete application documentation, answer questions and resolve concerns or complaints.
• Stayed current on the loan market, available products, and strategies for bringing in new clients.
• Reached out to borrowers with delinquent accounts to pursue payments and negotiate repayment plans.

As Customer Associate 

• Supervised client service operations for rendering and achieving quality services as well as optimizing client satisfaction levels and generating additional avenues for business.
• Employed excellent money handling abilities to operate and balance cash drawer daily.
• Promptly carried out the duties of Joint Custodian.
• Managed diverse client needs related to financial products, lines of credit, and account features.
• Listened to clients and recognized stated and unstated needs to effectively cross-sell bank products.

• B.Com. (Computer Applications) from Alagappa University, Karaikudi, Tamil Nadu India in 2012
• Junior Associate of The Indian Institute of The Bankers - Finance from Indian Institute of Banking and Finance, India in 2014
• Certified Insurance Facilitator– Life & General Insurance from Insurance Institute of India, India
• Certificate Programme in Retail Credit - Retail Finance from State Bank of India, India
• Certificate Programme for Branch Managers – Banking Operations from State Bank of India, India
• Certified Associate of Indian Institute of Bankers – Finance from Indian Institute of Banking and Finance, India in 2022
• MBA - Financial Management (Currently Pursuing) from Alagappa University, Karaikudi, India
• Executive Post Graduate Programme in Data Science (Currently Pursuing) from The International Institute of Information Technology, Bangalore, India
• Moody’s Certificate on Commercial Credit – from Moody’s Analytics in 2022
• Six Sigma Yellow Belt – from the Council of Six Sigma Certification in 2022
• Investment Funds in Canada – from Canadian Securities Institute in 2023