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Arun Jeyabal , Assistant Manager / Loan Officer – SME & Retail Lending

Arun Jeyabal

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

India

Bachelor's degree, Hospitality And Hotel Management

Work experience

Total years of experience: 14 years, 0 months

Assistant Manager / Loan Officer – SME & Retail Lending

November 2023 - Present

City Union Bank

Tanjore, India

November 2023 - Present

• 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.
Company industry:
Banking

Deputy Branch Manager

June 2021 - September 2023

ICICI Bank,

Chennai, India

June 2021 - September 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.
Company industry:
Banking
Job role:
Management

Deputy Branch Manager

June 2021 - September 2023

ICICI Bank

Chennai, India

June 2021 - September 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.
Company industry:
Banking
Job role:
Management

Branch Operations Manager

December 2019 - June 2021

Axis Bank,

Erode, India

December 2019 - June 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.
Company industry:
Banking
Job role:
Accounting and Auditing

Branch Operations Manager

December 2019 - June 2021

Axis Bank Erode,

Erode, India

December 2019 - June 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
Company industry:
Banking
Job role:
Accounting and Auditing

Branch Operations Manager

December 2017 - December 2019

IndusInd Bank

Omalur, India

December 2017 - December 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
Company industry:
Banking
Job role:
Accounting and Auditing

Branch Operations Manager

December 2017 - December 2019

IndusInd Bank Omalur

Salem, India

December 2017 - December 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.
Company industry:
Banking
Job role:
Accounting and Auditing

Branch Operations Manager

January 2017 - November 2017

Equitas Small Finance Bank,

Ambur, India

January 2017 - November 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.
Company industry:
Banking
Job role:
Accounting and Auditing

Branch Operations Manager

January 2017 - November 2017

Equitas Small Finance Bank

Ambur, India

January 2017 - November 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.
Company industry:
Banking
Job role:
Accounting and Auditing

Teller Authorizer

December 2015 - December 2016

HDFC Bank,

Bengaluru, India

December 2015 - December 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.
Company industry:
Banking
Job role:
Banking

Teller Authorizer

December 2015 - December 2016

HDFC Bank

Bengaluru, India

December 2015 - December 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.
Company industry:
Banking
Job role:
Banking

Clerk

July 2014 - December 2015

City Union Bank,

Chennai, India

July 2014 - December 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.
Company industry:
Banking
Job role:
Administration

Clerk

July 2014 - December 2015

City Union Bank

Chennai, India

July 2014 - December 2015

|
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.
Company industry:
Banking
Job role:
Administration

Junior Executive

November 2010 - November 2012

Muthoot Group,

Erode, India

November 2010 - November 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.
Company industry:
Financial Services
Job role:
Accounting and Auditing

Junior Executive

November 2010 - November 2012

Muthoot Group

Erode, India

November 2010 - November 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.
Company industry:
Financial Services
Job role:
Accounting and Auditing

Education

SNR Sons College

May 2009

May 2009

Bachelor's degree, Hospitality And Hotel Management

India

GPA (rating): Excellent

GPA (rating): Excellent

SNR Sons College

May 2009

May 2009

Bachelor's degree, Hotel Management

India

Mount Carmel College

April 2006

April 2006

High school or equivalent, Accounting And Economics

India

GPA (percentage): 77%

GPA (percentage): 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

Social profiles

Languages

English

Expert

Hindi

Beginner

Tamil

Native Speaker

Training and Certifications

Certifications
Certificate in Gold Appraisal
CBS Certificate in Banking – IFBI
Certificate in Gold Appraisal
CBS
May 2014

Hobbies and interests

Movies