آرون Jeyabal

Assistant Manager / Loan Officer – SME & Retail Lending·City Union Bank

الهند

بكالوريوس, Hospitality And Hotel Management

الخبرة العملية

مجموع سنوات الخبرة: 14 سنوات, 0 أشهر

Assistant Manager / Loan Officer – SME & Retail Lending

نوفمبر 2023 - حتى الآن

City Union Bank

Tanjore، الهند

نوفمبر 2023 - حتى الآن

• Manage SME, mortgage, housing loan, and LAP operations across 28 branches within the
assigned region.
• Handle end-to-end loan lifecycle including sourcing, documentation, credit coordination,
approval follow-up, and disbursement.
• Evaluate customer financial profiles, banking history, repayment capacity, and creditworthiness
for risk assessment.
• Coordinate with branch managers and credit teams to improve portfolio growth and loan
conversion rates.
• Generate business through field sales, referrals, customer acquisition, and relationship
management activities.
• Ensure compliance with lending policies, KYC norms, AML guidelines, and regulatory
requirements.
• Achieved consistent monthly and quarterly disbursement targets while maintaining portfolio
quality.
• Improved loan turnaround time (TAT) through streamlined documentation and process
coordination.
• Monitor loan pipelines, customer follow-ups, and operational MIS reports to ensure timely
closures.

مجال الشركة:: البنوك

Deputy Branch Manager

يونيو 2021 - سبتمبر 2023

ICICI Bank,

تشيناي، الهند

يونيو 2021 - سبتمبر 2023

Supervised branch operations, focusing on service quality, compliance checks, and vault management.
Implemented transaction monitoring controls to detect suspicious or high-risk activities.
Achieved impressive results in CASA acquisition through structured sales planning and staff coaching.
Strengthened relationships with corporate and high-net-worth clients, leading to improved retention rates.
Oversaw branch audit preparations, ensuring full compliance with both regulatory and internal guidelines.
Led cross-selling initiatives to enhance the penetration of insurance, loans, payments, and investment products.

مجال الشركة:: البنوك
الدور الوظيفي:: الإدارة

Deputy Branch Manager

يونيو 2021 - سبتمبر 2023

ICICI Bank

تشيناي، الهند

يونيو 2021 - سبتمبر 2023

• Supervised branch banking operations, customer service delivery, compliance checks, and vault
management.
• Achieved 120%+ YOY CASA growth for three consecutive years through structured sales
planning and relationship management.
• Managed transaction monitoring controls to identify suspicious and high-risk banking activities.
• Strengthened relationships with corporate and high-net-worth clients, improving customer
retention and business growth.
• Led cross-selling initiatives for insurance, loans, deposits, and investment products,
contributing to increased fee income.
• Ensured audit readiness and full compliance with internal banking policies and regulatory
standards.
• Supported branch business development strategies and operational efficiency initiatives.

مجال الشركة:: البنوك
الدور الوظيفي:: الإدارة

Branch Operations Manager

ديسمبر 2019 - يونيو 2021

Axis Bank,

Erode، الهند

ديسمبر 2019 - يونيو 2021

Oversaw daily branch operations, ensuring the seamless functioning of cash management, clearing processes, and
teller services.
Maintained statutory registers, compliance records, and audit documentation with precision.
Managed locker operations, clearing cycles, and requests from high-value customers.
Ensured strict adherence to RBI regulations, KYC/AML standards, and risk management guidelines.

مجال الشركة:: البنوك
الدور الوظيفي:: المحاسبة والتدقيق

Branch Operations Manager

ديسمبر 2019 - يونيو 2021

Axis Bank Erode,

Erode، الهند

ديسمبر 2019 - يونيو 2021

• Managed daily branch banking operations including cash handling, teller management, clearing
activities, and customer servicing.
• Maintained compliance records, statutory registers, and audit documentation with high
accuracy.
• Ensured adherence to RBI regulations, KYC/AML guidelines, and operational risk controls.
• Handled locker operations, clearing cycles, and high-value customer service requests efficiently.
• Improved operational workflows and supported

مجال الشركة:: البنوك
الدور الوظيفي:: المحاسبة والتدقيق

Branch Operations Manager

ديسمبر 2017 - ديسمبر 2019

IndusInd Bank

Omalur، الهند

ديسمبر 2017 - ديسمبر 2019

complaint resolution significant through cross-selling upselling
products
• Generated over 5 Cr additional revenue through cross-sell of FD, RD, and
documentation, and
compliance with
regulatory policies
• Collaborate with internal teams
to ensure portfolio quality and
timely reporting
• Contributed to steady loan
portfolio growth and improved
TAT in credit processing
• Achieved consistent
improvement in loan
processing turnaround time
(20% faster than branch
average)
• Expanded loan portfolio by X
% (confidential data) while
maintaining NPA within
permissible limits

مجال الشركة:: البنوك
الدور الوظيفي:: المحاسبة والتدقيق

Branch Operations Manager

ديسمبر 2017 - ديسمبر 2019

IndusInd Bank Omalur

Salem، الهند

ديسمبر 2017 - ديسمبر 2019

• Managed ATM operations, cash replenishment, reconciliation activities, and audit rectification
reports.
• Monitored high-value transactions to ensure compliance with banking risk and operational
controls.
• Resolved transaction discrepancies and maintained accurate operational records.
• Supported sales teams in driving FD, RD, insurance, and banking product revenue growth.
• Ensured smooth branch functioning while maintaining regulatory compliance standards.

مجال الشركة:: البنوك
الدور الوظيفي:: المحاسبة والتدقيق

Branch Operations Manager

يناير 2017 - نوفمبر 2017

Equitas Small Finance Bank,

Ambur، الهند

يناير 2017 - نوفمبر 2017

Managed branch cash management, balanced the vault, and supervised tellers.
Coordinated branch launch activities, customer onboarding processes, and the stabilization of operations.
Facilitated CASA acquisition initiatives, conducted micro-banking outreach, and promoted local businesses.
Ensured the timely submission of Management Information System (MIS) reports, branch performance metrics, and
compliance filings.

مجال الشركة:: البنوك
الدور الوظيفي:: المحاسبة والتدقيق

Branch Operations Manager

يناير 2017 - نوفمبر 2017

Equitas Small Finance Bank

Ambur، الهند

يناير 2017 - نوفمبر 2017

Managed branch cash operations, vault balancing, teller supervision, and customer onboarding
activities.
• Coordinated branch launch operations and ensured smooth stabilization of branch processes.
• Supported CASA acquisition, local business outreach, and micro-banking initiatives.
• Prepared MIS reports, compliance documentation, and branch performance reports.
• Maintained operational controls and ensured adherence to banking compliance standards.

مجال الشركة:: البنوك
الدور الوظيفي:: المحاسبة والتدقيق

Teller Authorizer

ديسمبر 2015 - ديسمبر 2016

HDFC Bank,

بنغالورو، الهند

ديسمبر 2015 - ديسمبر 2016

Authorized high-value cash transfers and clearing transactions, ensuring accuracy and conducting thorough risk
assessments.
Reconciled teller cash books and vault balances, while effectively managing end-of-day (EOD) procedures.
Contributed to audit preparedness by addressing gaps in teller operations and compliance protocols.

مجال الشركة:: البنوك
الدور الوظيفي:: البنوك

Teller Authorizer

ديسمبر 2015 - ديسمبر 2016

HDFC Bank

بنغالورو، الهند

ديسمبر 2015 - ديسمبر 2016

Authorized high-value cash transactions, clearing operations, and fund transfers with risk
•
assessment controls.
• Managed teller reconciliations, vault balancing, and end-of-day banking procedures.
• Assisted in audit preparation and compliance monitoring for teller operations.
• Ensured operational accuracy and adherence to banking procedures.

مجال الشركة:: البنوك
الدور الوظيفي:: البنوك

Clerk

يوليو 2014 - ديسمبر 2015

City Union Bank,

تشيناي، الهند

يوليو 2014 - ديسمبر 2015

Processed cash receipts and payments, cleared cheques, and managed back-office documentation.
Oversaw ATM cash loading, conducted reconciliations, and prepared day-end reports.
Maintained audit-ready records, including cash scrolls, vouchers, and ledger balances.

مجال الشركة:: البنوك
الدور الوظيفي:: إدارية

Clerk

يوليو 2014 - ديسمبر 2015

City Union Bank

تشيناي، الهند

يوليو 2014 - ديسمبر 2015

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Processed cash transactions, cheque clearing, ATM reconciliation, and back-office banking
documentation.
• Maintained audit-ready records including vouchers, cash scrolls, and ledger balances.
• Supported customer service operations and day-end banking activities.

مجال الشركة:: البنوك
الدور الوظيفي:: إدارية

Junior Executive

نوفمبر 2010 - نوفمبر 2012

Muthoot Group,

Erode، الهند

نوفمبر 2010 - نوفمبر 2012

Processed gold loans, provided valuation support, and conducted customer eligibility assessments.
Managed forex transactions, remittances, and fund transfers with precision.
Executed field verification, assessed customer credibility, and followed up on loan recoveries.

مجال الشركة:: الخدمات المالية
الدور الوظيفي:: المحاسبة والتدقيق

Junior Executive

نوفمبر 2010 - نوفمبر 2012

Muthoot Group

Erode، الهند

نوفمبر 2010 - نوفمبر 2012

• Processed gold loans, customer eligibility assessments, and collateral valuation activities.
• Managed forex transactions, remittances, and fund transfer services.
• Conducted customer verification, field visits, and loan recovery follow-ups.
• Supported branch sales and customer relationship management activities.

مجال الشركة:: الخدمات المالية
الدور الوظيفي:: المحاسبة والتدقيق

التعليم

SNR Sons College

مايو 2009

بكالوريوس، Hospitality And Hotel Management

الهند

المعدل التراكمي (التقدير): ممتاز

SNR Sons College

مايو 2009

بكالوريوس، Hotel Management

الهند

Mount Carmel College

أبريل 2006

الثانوية العامة أو ما يعادلها، Accounting And Economics

الهند

المعدل التراكمي (نسبة مئوية): 77%

Skills

KYC

Expert

KYC

Expert

AML

Expert

AML

Expert

Brand Audit

Expert

Brand Audit

Expert

Retail Banking

Expert

Retail Banking

Expert

Branch Banking

Expert

Branch Banking

Expert

certified in banking sales

Expert

certified in banking sales

Expert

BANKING SERVICES

Intermediate

BANKING SERVICES

Intermediate

DOCUMENT PROCESSING

Intermediate

DOCUMENT PROCESSING

Intermediate

FUND DISBURSEMENT

Intermediate

FUND DISBURSEMENT

Intermediate

INSURANCE FOLLOW UP

Intermediate

INSURANCE FOLLOW UP

Intermediate

SHEAR STRENGTH

Intermediate

SHEAR STRENGTH

Intermediate

SME FINANCE

Intermediate

SME FINANCE

Intermediate

STRATEGIC SOURCING

Intermediate

STRATEGIC SOURCING

Intermediate

BANKING

Expert

BANKING

Expert

CUSTOMER ACQUISITION MANAGEMENT

Expert

CUSTOMER ACQUISITION MANAGEMENT

Expert

CUSTOMER RELATIONSHIP MANAGEMENT

Expert

CUSTOMER RELATIONSHIP MANAGEMENT

Expert

FINANCE

Expert

FINANCE

Expert

LENDING PROCEDURES

Expert

LENDING PROCEDURES

Expert

LOAN DISBURSEMENT

Expert

LOAN DISBURSEMENT

Expert

LOANS

Expert

LOANS

Expert

MORTGAGE LOANS

Expert

MORTGAGE LOANS

Expert

OPERATIONS

Expert

OPERATIONS

Expert

RETAIL EXPERIENCE

Expert

RETAIL EXPERIENCE

Expert

Customer Service

Expert

Customer Service

Expert

Business Development

Expert

Business Development

Expert

Marketing

Expert

Marketing

Expert

Sales

Expert

Sales

Expert

Administration

Expert

Administration

Expert

Management

Expert

Management

Expert

حسابات مواقع التواصل الاجتماعي

اللغات

الانجليزية

متمرّس

الهندية

مبتدئ

التاميلية

اللغة الأم

التدريب و الشهادات

الشهادات

Certificate in Gold Appraisal

CBS Certificate in Banking – IFBI

Certificate in Gold Appraisal

CBS

May 2014

الهوايات والاهتمامات

Movies

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Kareem Hajjar

Senior Associate
KPMG Lebanon

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DIRECTOR OF SALES & BUSINESS DEVELOPMENT
TMAMAH SOLUTIONS COMPANY

Shakeel Muhammad

Finance & Operations Manager
Vision Development Organization

muaddi saeed alali

مدير مصنع
شركة هيف للتجارة والمقاولات

آرون Jeyabal

مشاركة سيرتي الذاتية

الخبرة العملية

Assistant Manager / Loan Officer – SME & Retail Lending

Deputy Branch Manager

Deputy Branch Manager

Branch Operations Manager

Branch Operations Manager

Branch Operations Manager

Branch Operations Manager

Branch Operations Manager

Branch Operations Manager

Teller Authorizer

Teller Authorizer

Clerk

Clerk

Junior Executive

Junior Executive

التعليم

SNR Sons College

SNR Sons College

Mount Carmel College

Skills

حسابات مواقع التواصل الاجتماعي

فيس بوك

انستغرام

اللغات

الانجليزية

الهندية

التاميلية

التدريب و الشهادات

الشهادات

Certificate in Gold Appraisal

CBS Certificate in Banking – IFBI

Certificate in Gold Appraisal

CBS

الهوايات والاهتمامات

Movies