S KANGAYAN

E-Mail: skangayan@yahoo.com ~ kangayan.s@gmail.com~Mobile: 09486668390

~ SALES & BUSINESS DEVELOPMENT PROFESSIONAL ~

An organization in need of a professional with demonstrated success in delivering excellent business
efficiency and surpassing revenue targets

AN OVERVIEW

Accomplished career growth with over 17 years of experience in Business Development; with focus on
Sales & Marketing, Product Promotions, Operations, Client Relationship Management and Team
Management in banking liabilities.
PROFICIENCY FORTE

 Strategic Management: Planning and executing strategies, to achieve distributed targets and bottom line in
accordance with the corporate goals and rolled out contests.
 Assets Management: Managing Sourced and converted Assets and service the required in TAT. Management
of Pre sanctions, Post Sanction, Pre disbursement, Post disbursement follow up procedures. Managing to keep
risk free/low risk asset portfolio.
 Branch Operations: Guiding and supervising the branch operations, managing to achieve risk free operations.
 Sales & Marketing: Managing the branch sales team, keep track and management of lead system, Marketing
initiatives
 Client Relationship Management: Servicing the clients demands , queries in TAT, keeping the clients
informed of the follow up and resolving in TAT, so as to keep them out from converting into complaints,
minimize complaints.
 Team Management: Management of team through influence of leadership traits viz., well directing, guiding,
encouraging, organise their routine, friendly and cardial

ORGANISATIONAL SCAN

Role : Branch Manager Branch Profile: Lakshmi Vilas Bank,

Bangalore Cantonment Branch
Position : Chief Manager Category : Metropolitan
Assumed Charge :Since March 2014 Vintage : 20 Years

Sales Traits:
 Took charge on Mar’14 with a over all book size of 145 crores, and grown the same to 300 crores now.
 Grown the CASA book from 12 crores to 30 crores now.
 Grown the Term Deposits Book size from 95 crores to 108 crores
 Converted a Life Insurance for Rs.30 lacs till date
 Converted general insurance for 25 lacs till date
 Converted Mutual Fund for 1.50 till date
 Turned the branch, a revenue pocket by booking a revenue of 1.50 crore so far.
 Added 7 corporates from the date of joining till date viz.,
1.M/s.Prestige Estates Projects Ltd.,
2.M/s. Brigade Enteprises,
3.M/s.Chaitanya Properties(group),
4.M/s.Axis Capstone,
5.M/s.WeP Solutions(an Associate of Wiprow),
6.M/s.Janalakshmi Finance,
7.M/s.DevKiran Paper Mills.
 Connected to M/s.TITAN, INMARK Retail.
Operational Traits:
 Leading a Team of 15 members, a Front desk, three ABMs, 2 Award Staff, Two Tellers, 1 clerk, 3 Sales
executives .
 Responsible for Branch Operations by way of supervision of ABMs jobs
 Responsible for all regulatory and mandatory compliance of KYC,RBI Returns, IT Returns, LBR, authorising,
supervising, controlling, cash management,vault register, clearing management, funds management
Responsible for the supervision and management of Dummy accounts, Deliverables, ATM Cards, Debit Cards,
PIN mailers, Cheque Books, Credit Cards, Tatkal (Instant) Kits, DD, MC stock management, Welcome Kit
Management, On boarding, Re-PINs, Bill Payments thro net banking, statements of accounts, confirmation of
balance etc, on TAT , final resolution of complaints. Ensuring perfect Display Management, Lobby
Management, Ensuring stipulated TAT for all deliverables and services, Responsible for Audit compliance.
 Responsible for Fx Trading activities.
 Managing Retail ,Corporate clients.
 Managing one on site and twelve off site ATMs. Apart from this, 2 more locations are identified by my scoping.
Achievements:
 Branch is chosen as first branch across PAN India, for launching ‘PREMIER BANKING’, based on the
business and operational &compliance merits. LVB’s Managing Director Shri.Raghul Sharma inaugurated
CROWN SERVICES in my branch ever first to LVB across PAN INDIA among 400 branches.
 Branch is upgraded as CLUSTER Branch
Credit Skills:
 Preparing CAM for corporate funding viz., 100 crore & above proposals for public limited companies,
private limited companies, Complying Connected formalities ,Preparing CAM for EEG,BBG ,Commodity
Finance
 Resolving to the queries raised by the Credits, Obtaining Sanction & Post Sanction Documentation well in
TAT, and Responsible for Disbursement, Take over procedures,Vetting Procedures- Liaising with Legal
Advisors, and follow up,Post Disbursement follow up,Resolving to the critical issues related to the assets
&guiding team.
Achievements:
Funded to Corporate viz., M/s.Prestige Estates Projects Ltd., M/s.Brigade Enterprises Ltd., Chaitanya
Properties P Ltd., Dev Kiran Paper Mills P Ltd., WeP Peripherals Ltd.,(Wiprow Associate) Etc.,
Marketting Traits: As a measure of marketing we are liasing with associations like Bangalore Chamber of
Industries and commerce, Chamber of Commerce Commercial Street, etc., Also for FD,wealth management we
are doing activities at social organisations and associations like, vasavi trust, popular temples, parks, well
established markets with tools like Canopy, Umbrella, Phamplets, etc.,

Role : Branch Manager Branch Profile: Lakshmi Vilas Bank,Tindivanam

Position : Chief Manager Category : Urban
Assumed Charge :Since February 2012 Vintage : 82 Years

Sales Traits:
 Took charge on Feb’12 with a book size of 85crores, and grown the same to 118 crores
 Sold 31crores of Gold Loan
 Sold 52 crores of Other loans & advances, viz., working capital to rice mills, traders, other traders etc.
 Sold 85 lakhs of Life Insurance, 10 lakhs of General Insurance
Operational Traits:
 Leading a Team of 15 members, a Front desk, two ABMs, 2 Award Staff, Two Tellers, 1 clerk, 3 Sales
executives .
 Responsible for Branch Operations by way of supervision of ABMs jobs
 Responsible for compliance of KYC,RBI Returns, IT Returns, LBR, authorising, supervising, controlling, cash
management, Vault Register, suspense and dummy accounts maintenance,clearing management, funds
management, supervision and management of Deliverables, ATM Cards, Debit Cards, PIN mailers, Cheque
Books, Credit Cards, Tatkal (Instant) Kits, DD, MC stock management.
 Responsible for Welcome Kit Management, On boarding, Re-PINs, Bill Payments thro net banking, statements
of accounts, confirmation of balance etc, on TAT,final resolution of complaints.
 Responsible for Display Management,Lobby Management,Ensuring stipulated TAT for all deliverables and
services
 Responsible for Audit compliance,Responsible for Fx Trading activities,Managing Retail ,corporate clients.
 Managing one on site and two off site ATMs. Apart from this, 4 more locations are identified by my scoping.
Among which one ATM is likely to open shortly.
Key Achievements:
 Awards: Branch has been awarded as BIMA BANK by LIC in the first quarter of FY itself. Achievement:
Branch under my leadership has surpassed the targets of Sep’12 by July’12 itself. Marching toward all
time success in LI front this year also. So far we have done around 20 lakh of premia.
Rewards: Branch is one among the TOP 3 branches pan india, got rewarded Rs.15000/- for having
achieved targets in all portfolio .Recently this month November 2013 branch has been awarded for NPA
recovery with Rs.13000/-.

Role : Branch Manager Branch Profile: HDFC Bank Ltd., Dindigul

Position : Senior Manager Category : Urban
Assumed Charge :Since March 2010 Vintage : New Branch

Sales Traits:
 Took charge of the branch as opening branch Manager and grown the branch from 45 lacs of
liability book to 16 crores
 CASA book size 13 crores
 Under Asset Book, made 6.00 crores on my personal leads and through ECG 8 Crores, in total
asset book of 14 crores
 Converted Life Insurance 45 lacs in the first year, 40 lacs in the second year
 Sold gold coins to tune of 3kgs
 Gold loan was launched during my period, and I sold 2.50 crores of gold loan.
 Brought High Networth corporate viz., M/s.Soundara raja Mills &Investments, M/s.Saravana
Spinning Mills, M/s.Krishna Industries (ANIL SEVARIT),M/s.Box Packers,Vens Electronics.
 Grown preferred base and Imperia well
Awards & Appreciations:
 Got word of appreciation from Mr.Aditya Puri MD through email, for the high initial value of Rs.2.75 crores
in CA account opening.
 Won in the JFM contest launched for LI and chosen for the Paris Trip (selected for on board with Mr.Aditya
Puri MD)
 Obtained Certification from South Head HDFC Bank for sales achievement SB Max
 Obtained word of appreciation from Mr. Aditya Puri MD HDFC Bank in the branch visit report submitted by
CH.
 Obtained appreciation mails from Mr. Navin Puri BBH for Good Progress in Govt Biz., LI biz., CASA Value.
 Obtained cash award for sourcing Govt Accounts. It may be noted that I have sourced 3 govt a/cs with
huge IPs like 84 lacs, 15 lacs, 10lacs.
 Got appreciation for achievements in assets under branch empowerment model
Recognitions
 Awarded T2 rating and obtained high bonus.
 Branch was selected for Branch Empowerment Model
 Branch was identified for ABM model.
Sales & Operations:
 Leading a Team of 20 members, a Welcome Desk, a PB Sales, PB authoriser, Teller, 2 Sales executives , a
clearing authoriser, Clearing inputer, a KYC authoriser,10 direct sales executives
 Responsible for Branch Operations by way of overseeing DM, AMs jobs, compliance of KYC,RBI Returns, IT
Returns, LBR,authorising, supervising, controlling, cash management, clearing management, funds
management,supervision and management of Deliverables, ATM Cards, Debit Cards, PIN mailers, Cheque
Books, Credit Cards, Tatkal (Instant) Kits, DD, MC stock management, Welcome Kit Management, Re-PINs, Bill
Payments thro net banking, statements of accounts, confirmation of balance etc, on TAT,final resolution of
complaints, Display Management, Lobby Management
 Ensuring stipulated TAT for all deliverables and services
 Responsible for Audit compliance,
 Managing Retail ,corporate clients at branch level.
 Driven sales through various sales promotional activities like Savings Mela, LI demo, MF demo, Home Loan
Mela, Trade Loan meet, Vehicle Loan Mela etc., conducting Grocery and Commodity Traders Association Meet,
Rice Millers Meet, Groundnut Millers Meet etc.,

Manager Customer Service & Operations with Indusind Bank Ltd., Coimbatore May’07-
Feb’10
Operational Traits:
 Lead a team of near to 10 members comprising Customer Service Executive, Relationship Officers, Operations
Executive, Front Office Executive, Teller, etc.
 Responsible for compliances to Income Tax,RBI,Banking Regulations, NI act related, Locker operations, Deposit
Claim Settlements, Responsible for Management and supervision of ATM Cards, Debit Cards, PIN mailers,
 Cheque Books etc., for Complaint Management, Talisma Operations, overseeing the front office staff for the
same,
 Responsible for Branch Operations by way of supervision of DM, AMs jobs
 Responsible for compliance of KYC,RBI Returns, IT Returns, LBR, Account Opening procedures, Accounts on
hold, CPU query resolution, Account Opening with in TAT, authorising, overseeing controlling, cash
management, clearing management, funds management ,management of Deliverables, ATM Cards, Debit
Cards, PIN mailers, Cheque Books, Credit Cards, Tatkal (Instant) Kits, DD, MC stock management, deliverables
management, onboarding, Re-PINs, Bill Payments thro net banking, final resolution of complaints, Display
Management, Lobby Management
 Ensuring stipulated TAT for all deliverables and services
 Responsible for Audit compliance,Responsible for Fx Trading activities,Managing Retail ,corporate clients.
Sales Traits:
 Organized sales promotional activities at Namakkal ,Erode,Expanded customer base at Erode through opening
additional ATMs,Competently surpassed the sales targets in CA, SA, TDR, LI, Gold Coins sale
(in lacs)
YEAR CASA TDR LI GI GOLD COIN MF
2007 80 20 6.00 0.50 150g 0.50
2008 50 20 6.00 2.00 400g 1.00
2009 40 20 3.00 1.00 200g 1.00
Awards/appreciation : Obtained various certifications. Certified by Zonal Head of Indusind Bank as No.1 Best
Manager Customer Service & Operations in the region during 2008
Certified by AVIVA Life Insurance (channel partner of Indusind Bank) as No.2 performer Best Manager Customer
Service & Operations in the region during 2008
Certified for Base Target achievement, Banca Royal League 2009 in indusind bank
 Asst. Manager with City Union Bank Ltd., Coimbatore Jul’97-Apr’07
Growth Path with highlights
Executive TN & AP branches Jul’97-Mar’04
 Managed CA, SA, TDR, BILL, Cash and Funds Management at the branch level.
 Resposible for inventory of Deliverables, ATM Cards, Cheque Books, KYC, FD Receipts, Savings Pass Books, CA
Passbooks, Loan Passbooks etc.,Complying to the TAT Stipulated.
 Sourced 5 CA every month, SA 10 every month
 Successfully generated Fee income of Rs.3.60 Lakhs through DD comm., Bill comm. every year.
 Made Term Loan Proposals, CC Proposals (Both Fresh & Renewals 50 Lakhs),Handled the Loan statements and
records, documents EM Creation.
Asst. Manager City Union Bank Ltd., Coimbatore Apr’04-Apr’07
 Efficiently cross sold the Life Insurance Policies to a tune of Rs.6.00 Lakhs (collected premia), Generated Fee
income of around Rs.7.00 lakhs, sold 200 savings accounts, with a team of 3 to 4 staff on an average.
 Efficient management of Deliverables, ATM,PIN mailers, cheque books etc, Statements issuing etc., abiding to
the TAT,Organized sales promotion meets & activities at various locations at Erode to market bank’s products.
 Managed Loan portfolio in Somanur Branch for Rs. 12.00 Crores and Erode Branch for Rs.30.00
Crores,Prepared CAM, Obtained Sanction,Gained significant exposure in Trade Loan, SME sector, Medium size
Manufacturing Units (weaving units)-CC proposals, documentation, etc.
 Expanded sales through operational support to the branch head, cross sold the insurance products, Demat
Accounts, even there was no target cap
Awards/appreciation letters received: Received letter of appreciation from DGM Business Development centre
of City Union bank ltd for the remarkable contribution of sales and marketing in the forming base to new opening
branch at Kangayam tamil nadu, Obtained various certificates .Certified by City Union Bank Staff College on
1 Branch Operations 2 Credit Apprisal & Processing 3 Special Development 4. Knowledge Updation & Evaluation for
Officers,Certified by South India Bank's Training College on working capital finance and monitoring
ACADEMIA

1991 B.Sc. in Maths from Poompuhar College. Bharathidasan University.

Professional Credentials
1993 PGDCA from AVC College. Bharathidasan University. Secured 68%
2005 Licentiate (LIFE INSURANCE) from Insurance Institute of India Mumbai. Secured 59%
2006
 Depository Module- NSDL Chennai –secured 78%
 Master of Bank Management from Madurai Kamaraj University. Secured 54.50%.
 J A I I B from Indian Institute of Banking & Finance. Secured 68% and was awarded Distinction.
 C A I I B from Indian Institute of Banking & Finance. Secured 58%.
2007 AMFI Certification –NSDL Chennai-Secured 82%
2008 AML & KYC Certificate from Indian Institute of Banking & Finance. Secured 80%
2010 MS Windows 2007, PPT, Certificate from NIIT.