Jyothilekshmi has over 13 years of experience in retail banking and credit underwriting with IDBI Bank and Canara Bank. She has held several roles including Center Head managing teams for housing, vehicle, and education loans, achieving sales targets. As Head of the CCU in Karnataka, she successfully managed RBI clearing operations across 43 branches. Currently she is an AGM handling MSME and agriculture lending at IDBI Bank's regional office in Bangalore, with a track record of sanctioning over ₹206 crores in loans. She has an MBA in Finance and is a Certified Credit Officer.

1. Jyothilekshmi.L
MBA (Finance),CertifiedCreditOfficer (CCO)
 13+ years of Retail Banking and Credit underwriting experience across Tamil Nadu & Karnataka with leading banking
institutions likeIDBI Bank (7+ years),Canara Bank (6+ years).
 Currently handling MSME, Retail Asset & Agriculture project lending portfolio atIDBI Bank Regional office.
 As Center Head, managed Sales, Credit & Operations teams for Housing, Mortgage (LAP), Vehicle & Education loans.
 Consistently achieved business targets & managed retail banking operations.
 Won many Awards (Reward & Recognition) for exceptional performance including Best Branch Award.
 Successfully handled RBI Clearing operations (CTS & MICR) across 43 branches with on-roll team of 25 Managers/AMs.
 Good track record of managing large teams & delivering high performance across diversified portfolios in theBFSI industry.
Designation/Role Domain Expertise (Vertical) Organization , Location
1 AGM - Regional CreditProcessing Center Micro , Small Medium Enterprises
(MSME , Agri , Priority Sector Lending)
IDBI Bank Ltd,
Regional Office, Bangalore
2 Head – CCU, Karnataka RBI Clearing Operations (CTS,MICR,ECS) IDBI Bank Ltd , Bangalore
3 Center Head – Retail AssetCenter(RAC) Retail Loans (Housing,LAP,Edu.&Vehicle loans) IDBI Bank Ltd , Bangalore
4 Credit Head – Retail AssetCenter(RAC) Credit Risk Analysis (Housing,Mortgage, LAP) IDBI Bank Ltd , Bangalore
5 Asst. Manager-MSME & Agriculture Priority Sector Lending (Regional Office) Canara Bank,RO, Erode
6 Asst. Manager-Sales & Credit MSME, Agri., Vehicle & Gold Loans
(Branch Banking& Operations)
Canara Bank
Hosur, Erode & Coimbatore
 MBA (Finance), The Instituteof Chartered Financial Analysts of India,ICFAI University. PassingGrade:VeryGood
 M.Sc. (Horticulture): Master Degree in HorticultureTechnology from Kerala Agricultural University. Secured 93%
 B.Sc. (Agri.): 4 year Professional Course from Kerala Agricultural University. Secured 88%.
 School Topper: Class 10th
:92%.Class 12th
:75.8 %
 Certified Credit Officer (CCO), IIBF,Mumbai.
 Certification on Credit Underwriting/Analysis, Balance Sheet, P&L, Working Capital, Financial Statements& Ratio Analysis.
 IIBF (Indian Instituteof Banking & Finance) is world largest& India’s premier institutein Banking/BFSI Vertical.
 JAIIB & CAIIB (Certified Associate of Indian Institute of Banking), IIBF,Mumbai.
 AMFI - NSE Certified Mutual Fund Advisor, Association of Mutual Funds of India, National Stock Exchange (NSE).
 IRDA Certified Corporate Insurance Advisor – Certification by InsuranceRegulatory & Development Authority (IRDA)
 Cleared National Eligibility Test (NET), conducted by Agriculture Scientists Recruitment Board (ASRB), ICAR
Achievements/Highlights:
 Completed Credit underwriting & Approval of 206 Crores of MSME Agri proposals across industries in 10 districts of
Karnataka - Bangalore,Mangalore,Tumkur, Koppal,Bagalkot,Belgaum, Bidar , Gadag, Haveri & Mandya.
 Good knowledge of various Hi-tech food processing units ( Appraised Sugar,rice,mushroom , cashew& food industries)
 Experienced in Credit appraisal of Manufacturing industries ( Handled Industrial springs,Automotive, PVC pipes,Industrial
coolingsystems & Garments units)
 Conducted detailed cluster study of leading industrial hubs for better understanding of business model,met key decision
makers & initiated loan takeover from other banks.
 Developed good business relationship with SME customers & leading Industrial Associations.
Career Summary :
Career Highlights:
Professional Qualification/ AcademicHighlights
Professional Certification Completed
(1) AGM – Regional Credit ProcessingCenter IDBI Bank,Bangalore 2014 & 2015

2. Jyothilekshmi.L
MBA (Finance),CertifiedCreditOfficer (CCO)
Role & KeyInitiatives:
 Leading Credit Appraisal team for sanctioningof Workingcapital & term loans to MSME/Agriculture (Priority Sectorloans)
 Detailed Credit assessment is done through Balance sheet, P&L analysis, Ratio analysis, financial statement analysis, cash
flow, fund flow & working capital analysis.
 Facilitate & support branch business through faster TAT and maintaininga healthyportfolio by following credit / loan policy
of the Bank & internal creditrisk assessment model.
 Enhancingbranch performance on PSL targets by jointmeetings with potential customers & key decision makers.
Achievements/Highlights:
 Demonstrated exemplary team handling skills by directly managing a team of 25 on-roll employees (2 Managers,20 Asst.
Managers & 3 Executives).
 Ensured 100% compliance of RBI guidelines, internal TAT & process compliancefor Daily RBI clearing operations.
 Streamlined the transition from MICR to Newly launched CTS (Cheque Truncation System) clearingacross Karnataka.
 Daily clearingoperations were performed within TAT & 100% accuracy. RBI extension was taken only once in entire 2 years.
Role/Responsibilities/Initiatives:
 Successfully managed RBI CTS clearing operations for all 43 IDBI Bank branches of Karnataka.
 Closely interacted with RBI, NCC, NPCI & CCU heads of all banks in Karnatakato ensure faster clearance& issueresolution.
 Speedy resolution of operational queries frombranches ensured higher CSAT (Customer Satisfaction) scores /index.
Achievements/Highlights:
 Consistently achieved monthly & annual sales targetfor Mortgage (LAP) & Housing loans(HL).
 Signed up largebuilders & Organized one of the biggest Housing loan expo “IDBI Homes” for quality lead generation.
 Appreciated by senior management for regularly organising HL Balance takeover Campaigns in apartments/largeprojects.
 Acquired good knowledge about the Bangalorereal estate market , good relationship with leading builders& HL DSA’s
Role/Responsibilities/Initiatives:
 Independently handled Direct & Channel Sales, Credit Analysis and Business Operations for Retail loans.
 Directly managed cross functional teamof 16 Managers/Assistant Managers ( 5 Sales ,7 Credit & 4 Operations Managers)
 Training,monitoring,retaining& drivingbusinessdevelopment through team of 10 DSTs & 5 DSAs (IndirectChannel Sales).
 Supported & guided assigned branches for new housingloan customer acquisition & speedy loan processing.
 Approved new & upcoming projects of Category-A & B builders after validatingnecessary legal & technical aspects.
 Cross selling of Savings/Current accounts, Life Insurance & General insurance products.
 Monitoringof Operational/Center expenses, ensure timely payment of vendor bills.
Achievements:
 Consistently ranked among Top 2 RACs in India & largestRAC across South India.
 Increased retail assetbusinessfrom 45 Crore per month in 2008 to Rs 64 Crore per month in 2010.
 Sanction & disbursementincreased from 169 new files (p.m. avg.) in 2008 to 265 new files (p.m. avg.) in 2010.
Role/Responsibilities:
 Handled team of 5 Managers/Assistant Managers & 5 Credit Processing Associates(CPA)
 Quick Credit & market risk analysis helped in speedy approval of loan proposalssourced through Branches,DSAs & DSTs.
 Ensure loan processing& appraisal in compliance with policies & processes laid down by bank.
 Closely work with other Cross functional teams likeSales,Operations & collections for smooth business operations.
Achievements:
 Played pivotal rolein achieving 100%MSME, Agriculture-Priority Sector targetsfor Erode region.
(2) Head – CCU,Karnataka IDBI Bank,Bangalore 2012 & 2013
(3) Retail Asset Center(RAC) – CenterHead IDBI Bank, MissionRoad, Bangalore 2011 & 2012
(4) Retail AssetCenter(RAC) – CreditHead IDBI Bank, Indira NagarBangalore 2008 - 2010
(5) Asst. Manager – MSME & Agriculture Canara Bank, Regional Office, Erode 2004 & 2005

3. Jyothilekshmi.L
MBA (Finance),CertifiedCreditOfficer (CCO)
Role/Responsibilities:
 Support 36 branch offices in the region with quick appraisal & approval of large proposals within regional head DOP.
 Providenecessary inputs to regional head on the commercial, financial & technical viability of the branch proposals.
 Closely monitor Branch KPI’s, highlightkey trends & sharemonthly business projections to Regional head.
 Generated new business opportunity by organizing prospective customer meets/ road shows
 Provided marketing support to branches by participation in events/exhibitions & promote new schemes.
 Selected as Probationary Officer by All India BankingServices Recruitment Board (BSRB).
 Worked across various Urban & Semi-urban branches across Coimbatore , Erode & Hosur (Tamil Nadu Circle)
Achievements:
 Consistently achieved yearly business targets /KPIs across all branch locations.
 Hosur (2006-2007):Won appreciation letter from CircleHead for 100% disbursement target achievement for the year.
 Hosur (2005-2006):Won the Best Branch Award for achieving Triple Targets in MSME Agri. Business.
(155% achievement of liability target, 136% of disbursement target & 115% of Term loan disbursementtarget)
 Erode (2002-2003):Achieved 105% of assigned liability/outstandingtarget& 104% in loan disbursement target.
 Appreciation letter from Head Office towards Brand Building & Marketing initiatives.
Role & Responsibilities:
 Responsiblefor setting up & developing the Agriculture/SME business in the assigned territory.
 Plan & execute marketing /business development strategies to increasemarket share.
 Techno-commercial analysisof proposals.Review& monitoringof existingadvances/customer loans.
 Additional responsibility as Assistant Branch Manager. Extend supportto branch in day-to-day retail banking operations.
 Selected for Reserve Bank of India training on Priority Sector lendingfor SME & Agriculture.
 Selected for Train the trainer programon Retail Banking Products.
 FinacleCore Banking Solution.
 Working Capital financing for Corporate & SME.
Languages Known : English,Hindi,Malayalam& Tamil
Date of Birth : 25th
May, 1975
Marital Status : Married (Indian)
Passport : Valid till 2022
Permanent Address : # 315,Brundavan Presidency,19 Main,27 Cross,HSR Layout, Sec-2, Bangalore560102
Email ID : l.jyothilekshmi@gmail.com
Mobile Number : 9845582869,9845217517.
(6) Asst. Manager – Sales& Credit Canara Bank (Hosur,Erode & Coimbatore) 2001-2003 & 2006 -2008
Training Programs - ProfessionalSkillEnhancement
Personal Details