1. ARAVIND. S.
C/o N.Harikrishnan
G-1, Plot No 10, Sri Gurubagwan Appartments,
Ezhil Avenue, Sakthi Nagar Extension, Madipakkam,
Chennai - 600091
Mobile No.: 09894313499.
E-mail: aravind.psgim@gmail.com
________________________________________________________________________
CAREER OBJECTIVE:
To succeed in an environment of growth and excellence and earn a job Which provides me job
satisfaction and self development and help me achieve personal as well as organizational goals
JOB PROFILE AND EXPERIENCE:
Total Experience: 7 Years & 6 Months [Banking/BFSI]
Current CTC: 6.20 Lakhs
Expected CTC: 8.50 Lakhs [Negotiable]
CURRENT JOB PROFILE:
Organization: Axis Bank Ltd
Role: Manager - Operations Head
Location: Cumbum, Tamil Nadu
DOJ in Axis Bk December 21, 2011
DOJ in Cumbum May 5th , 2014
Department: Retail Branch Banking
Profile: Retail Branch Banking Front-end Operations Team Management
Software: Finacle10.0
Reportees: 4 FTE's [1 Teller & 3 Front Desk Officers]
JOB DESCRIPTION:
OPERATIONS:
Retail Consumer banking operations: & MIS reporting & Data Analysis:
 Overall responsibility of the Branch’s daily functioning and operations.
 Back-up Branch Manager in his absence.
 Responsible for overall administration and external relationships with vendors,
government bodies, lead bank etc.
 Managing cash reserve ratio at branch by lending and borrowing funds within the
bank and from other banks, for daily transaction requirement and ATM
requirements.
 Monthly reporting and MIS compilation like Anti Money Laundering and Know
Your Customer confirmation, Surprise Transaction Maintenance, High Value
Transactions Monitoring and Reporting, Cash Reserve Ratio Reconciliation and
Monthly Branch Certification System Updation , Monthly MIS Control Return
Updation to Circe Office, Database analysis & management etc.
 Implementation of new process and ensuring compliance to laid down process.
 Welcome calling new to base customers, cross-selling banks other products, KYC
crosschecking.

2.  Activation of new accounts and cards, ensuring new accounts are not getting
depleted and value build-up in existing customers
 Verifying Cash Transactions, Transfers RTGS/NEFT, Prepaid Cards loading
reloading, gold loan entries etc
 Managing display and complying with regulatory norms.
 Processing of Vendor payments and settling Vendor payments.
 Joint Custodian of deliverables like Welcome kits, Debit Cards, Cheque books,
Jewel Loan Packets etc.
 Issuing fresh Jewel Loans and other loans at branch level.
 Vendor management Accounts Receivables/ Accounts Payable management.
Risk & Compliance Related – Audit, KYC & AML Monitoring :
 Approving - account opening documents, checking for form quality, ensuring First
Time Rite [FTR], customer profiling and rejecting poor quality accounts.
 Daily monitoring of critical reports and general ledger accounts there by ensuring no
deviation in compliance and audit.
 Daily monitoring of Inward and outward clearing transactions and ensuring that
clearing activities are done on time without errors and inter bank settlements happen
properly without any balances. Now post to implementation of Cheque Truncation
System we have 95% migrated to CTS.
 Initiating periodical surprise verification of cash, ATM’s, deliverables, security
stationaries, precious metals register and files and security aspects thereby ensuring
that the operations are in line with the laid down norms.
 KYC [Know your customer] verification AML [Anti Money laundering]
implementation at branch and monitoring of suspicious transactions on daily basis
 Verification of daily vouchers, customer requests and other request on daily basis.
 Managing a team of front desk officers and tellers thereby ensuring the daily branch
operations are happening smoothly and also their sales productivity is being taken
care.
 Communicating and managing relationships with Statutory Authorities like –
Income Tax Department, Service Tax Department, Local PF authorities, labor
officials, RBI officials etc..
 Attending customer complaints directly and through other mediums like phone, e-mail,
CRM etc and solving the same by following it up with concerned team or by
investigating the same by reviewing the audit trials.
Mutual Fund & Depository Operations:
 Handing depository & mutual funds related queries. Acting as a intermediary
between customer and Depository Participants & Mutual fund Asset Management
Companies.
 Handling customer requests like Delivery instruction slips, sell buy orders,
statement requests, KYC updation and other service requests & grievances at first
level relating to Depository operations & Mutual Funds Business. Processing
Mutual funds,On line trading & Demat forms.
 Training Operations and sales team with regards to basic product and usage of the
software pertaining to Depository operations & Mutual Funds business.
General Insurance & Life Insurance Sales & Service:
 Handing of insurance related service requests and grievances 7 acting as a
intermediary between customer and the insurance companies.

3.  Training and motivating branch team with regards to Life and general insurance and
also with regards to claims and grievances handling procedure.
 First point contact for General insurance and Life insurance Property & Causalities
before handing over the same to the respective claims settlement unit.
Plastic Cards Sales & Service:
 Handling customer queries and service requests with regards to Debit cards, Credit
cards, Foreign Currency Cards & Prepaid cards.
 Transaction monitoring and customer support with regards to cards usage.
 Grievances resolution with regards to Cards and solving technical issues by
coordinating with the concerned cards technical team.
Foreign Exchange Operations:
 Handling retail foreign exchange transactions like Travel Currency Card Loading,
Travel Cards issuance and reloading, Outward Remittances, Inward Remittances,
Currency Exchange etc.
 Coordinating with Trade Forex team with regards to Trade Finance activities like
Letter of credit, Bank Guarantees, Advance Remittance etc.
SALES:
 Sale of Retail Liability Products like Savings/Current/Non Resident Accounts, Fixed
Deposits and Recurring Deposits.
 Cross selling - Credit cards, Demat & Online Trading Accounts, Gold Bars, ME
Machines, Prepaid Cards, Forex Services, Mutual Funds, General Insurance & Life
Insurance etc
 Generating Asset Products leads like Housing Loans, Personal/Business
Loans/Doctor Loans, Two Wheelers, Loan Against Property/Loan Against Securities
and Car Loans
PREVIOUS BRANCHES WORKED IN SAME ORGANISATION:
Organization: Axis Bank Ltd
Role: Manager – Operations Head
Location: Karamadai, Tamil Nadu
DOJ in Profile: April 21, 2013
Date Till May 4th, 2014
Department: Retail Branch Banking
Profile: Retail Branch Banking Front end Operations & Sales
Software: Finacle10.0
Repotees: 3 FTE's [1 Teller & 2 Front Desk Officers]
Organization: Axis Bank Ltd
Role: Manager – Front Desk Officer - Operations
Location: Sathyamangalam, Tamil Nadu
DOJ in Profile: December 21, 2011
Date Till April 20, 2013
Department: Retail Branch Banking
Profile: Retail Branch Banking Front end Operations & Sales
Software: Finacle10.0

4. PREVIOUS ORGANISATION:
Organization: HDFC Bank Ltd
Role: Deputy Manager - Branch Operations
DOJ: May 3, 2007 [Joined Erstwile Centurion bank Of Punjab –
taken over by HDF bank in 2008]
Department: Retail Branch Banking
Profile: Front end Operations & Sales
Location: Madurai TN [erstwhile CBOP – Retail Assets 2007-2008]
Madurai TN [HDFC Bank Ltd Retail Liabilities- 2008]
Cuddalore TN [HDFC Bank Ltd. Retail Liabilities Operations
[2008 –April 2011]
Kangeyam TN [HDFC Bank Ltd April2011- Dec 2011]
Software: Finware Retail, Finware Host, and Flexcube Retail
AWARDS AND ACHIEVEMENTS:
Axis Bank Ltd:
 Nostalgic November Insurance Contest Winner
 Freedom Run Current Account Campaign Winner
 Destination Black Thunder Life Insurance Contest Winner
 Axis Business Conference Q4 winner – Celebrity Status.
 Head Start Current Account campaign Winner.
HDFC Bank Ltd:
 MEDAL OF HONOUR WINNER – insurance contest winner for 5 lakhs premium
from one policy during the contest period.
 General Insurance Shub Arambh contest winner.
EDUCATIONAL QUALIFICATION:
Professional Qualification/ Skills:
 NISM Series V – A : Mutual Funds Distributors Certification Examination – 66.25% TA
Number – NCFM-00000868372 -Valid Till 04th October 2016
 General Insurance Insurance Regulatory Authority of India – Corporate agent license –
1891411 – Valid Till 15/10/2016
 Currently perusing training for NISM series VI – Depository Operations & Life insurance
IRDA corporate agent certification. Expected to take the tests on April 2015.
Post Graduation: 2005-2007
Post Graduate Diploma in Management/MBA
Marketing Specialisation
All India Management Association
PSG Institute of Management, Coimbatore
81%/ CGPA 3.5 [Out Of 4.33]
Under Graduation: 2002-2005
B.Com [Computer Applications]
SNR Sons College, Coimbatore
Bharathiyar University
65%

5. PERSONAL INFORMATION:
Date of Birth: May 29, 1984.
Age: 30 years.
Father’s Name: Mr. Sankaran G. (Late)
Nationality: Indian.
Marital status: Single.
Passport No: F7477841
Address: C/o N.Harikrishnan
G-1, Plot No 10, Sri Gurubagwan Appartments,
Ezhil Avenue, Sakthi Nagar Extension, Madipakkam,
Chennai - 600091
Mobile: (+91)09894313499
Email: aravind.psgim@gmail.com
LANGUAGE PROFICIENCY:
Mother Tongue: Tamil (speak, read, & write).
Other languages: English (speak, read, & write).
Hindi (speak).
DECLARATION:
I hereby declare that the above-mentioned details are true to best of my knowledge.
Aravind S.