Murugan Babu T
Phone: +91 44 22531219 (R) / +91 94432 09814 (M)
E-Mail: muruganbabu_t@yahoo.co.in / muruganbabu.t@gmail.com
Seeking senior level Managerial Assignments in Retail or Commercial Banking
with a growth oriented organisation.
PROFESSIONAL SYNOPSIS
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A dynamic professional with more than 17 years of rich experience in Retail and Commercial
Banking Sales and Operations, Credit Administration, Trade & Forex operations and Branch
Administration in the Banking Sector.
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Exposed to all the spheres of retail and commercial banking sales and operations and worked in
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Presently associated with ICICI Bank Limited, Salem as Chief Manager heading Commercial
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Expertise in managing the banking operations with key focus on profitability by ensuring optimal
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Track record of consistently achieving the projected targets at branches, building dynamic sales
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Possesses excellent business acumen with skills to remain on the cutting edge.
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Demonstrated abilities in cementing healthy relationship with the clients for generating business and
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An effective communicator with excellent relationship building & interpersonal skills. Strong analytical,
various parts of the country.
Branch.
utilisation of resources.
teams, identifying high-yielding services and products during the career span.
leading workforce towards accomplishing business and corporate goals.
problem solving & organisational abilities. Possess a flexible & detail oriented attitude.
CORE COMPETENCIES
Retail Banking
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Over all exposure and expertise in all retail banking products and operations.
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Expert in sales and servicing CASA, Term Deposits, Third Party Fee Income, inward and outward
clearing, Locker Operations, Client Servicing etc.
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Ensuring complete compliance of KYC and AML guidelines, completion of audit reports in stipulated
time frame and prompt submission of MIS statements in time.
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Establishing short / long term budgets in tune with the Bank strategies for achieving business
targets.
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Business planning, forecasting and analysis for assessment of revenue potential in business
opportunities.
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Analysing & reviewing the market response / requirements and communicating it to the other teams
for accomplishment of the business goals.
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Containing and managing the operating expenses of the branch and showing the targeted level of
productivity, profitability and house keeping.
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Ensuring smooth functioning of the branch and exercising proper vigilance in ensuring strict
adherence of laid down systems and procedures.
Identifying various sources of business opportunities with Corporate as well as Retail HNI clients and
garnering maximum wallet share to ensure good profitability.
Managing the Operational risk by efficient identification and effective mitigation process.
Containing the Operating Expenses of the profit centre and ensuring the profitability through more
efficiency and productivity.
Commercial Banking
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Responsible for generating business for various Commercial banking products like credit, Forex, CMS
etc.,
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Sourcing (Client Acquisition) for the Trade Services along with relationship management of existing
clients at the base as well as non-base branches in the catchment area.
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Identifying and servicing the needs of Corporates on long term or short term, fund based and nonfund based credit requirements.
Training the staff on General Banking Operations, Trade Finance and Operations, guidelines of FEMA,
RBI and ICC on trade and ensuring the competency in quality service delivery to clients.
Coordinating with various verticals like credit, risk, treasury and central operations teams for timely
servicing the corporate clients.
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Credit Administration
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Handling the client segments like Agri (Retail and Corporate), SME, Medium and Large Corporates,
Fund Based and Non-Fund based advances and Forex / Trade.
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Conducting risk analysis and scrutinising relevant documents for Personal Loans, Mortgage, 2
Wheeler / Auto Loans, Consumer Durable Loans, etc. while ensuring compliance with organisational
credit policies.
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Overseeing comprehensive study of the credit worthiness during the process of sanctioning credit/
loan to corporate / individual clients through all the primary and secondary researches.
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Supervising data verification and field investigation activities with a view to obtain accurate
information to assess the creditworthiness of the clients.
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Collecting the post disbursal documents and escalating the process of disbursement with accuracy
based & fast turn around time.
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Monitoring the asset portfolio through post sanction inspections to ensure end use and identifying
early signals of deviations if any.
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Maintaining healthy credit portfolio with no NPA and sticky advances.
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Follow up and recovery of over dues and initiating appropriate recovery measures like personal
contacts, CDR, DRT and legal methods like filing money and mortgage suits, filing EP and recovery
through SARFAESI Act.
Trade and Forex Operations
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Managing customer centric banking operations, forwarding customer instructions to the concerned
department & ensuring customer satisfaction by achieving delivery & service quality norms.
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Proactively identifying the customer’s requirements and providing appropriate solutions thereby
ensuring customer delight.
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Identifying gaps in client servicing and taking appropriate steps to address the issues related to
customer service.
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Monitoring the customer service level through frequent personal visits to clients, interacting with
them on continuous basis.
Interfacing with high net worth clients for understanding their requirements & suggesting the most
viable solution and cultivating relations with them for customer retention & securing repeat
business.
Branch Administration
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Successful in commencing new commercial branches and augmenting the Commercial and Retail
banking business by organizing manpower and infrastructure at new locations.
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Implementing competent strategies for boosting the business with a view to penetrate new
catchments and expand existing ones for meeting pre-determined business objectives and targets.
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Identifying new streams for revenue growth and developing marketing plans to build consumer
preference across the assigned regions.
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Making location specific and client specific plans to generate and augment business on continuous
basis.
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Maintaining MIS reports and periodically submitting the reports to controlling offices for decisionmaking purposes.
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Leading, mentoring & monitoring the performance of team members to ensure efficiency in process
operations and meeting of individual & group targets.
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Creating and sustaining a dynamic environment that fosters development opportunities and
motivates high performance amongst team members.
ORGANISATIONAL EXPERIENCE
Since Apr’08 with ICICI Bank Limited as Chief Manager
Growth Path / Assignments handled
Apr’08 to Apr’09 -
As Head of Retail Banking Branch (Liabilities and fee income generation)
May’09 to till date-
As Head of Commercial banking Branch (Corporates and top SME client’s
relationship, Forex, Fund based and non-fund based credit servicing)
Key Deliverables
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Sourcing ( Client Acquisition ) for the Trade Services along with relationship management of existing
clients at the base as well as non base branches in the catchment area.
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Responsible for meeting the assigned targets for various Commercial Banking products like Fee,
Deposits growth, increasing Forex throughput.
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Taking initiatives for increasing CASA level and its percentage.
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Starting new and nurturing existing corporate relationships.
Ensuring Straight Through Process (STP) and End to End TAT to all process like issuance and
amendments to LC and BG, Inward and Outward remittances etc.
Looking after remittances and other Forex related matters for the clients.
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Extending Cash Management Services to the clients through integrated Payment and Collections
solutions.
Serving as the referral point for trade related transactions and handling complex transactions of the
retail branches in the catchment area that spreads across the northern part of Tamil Nadu.
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Ensuring prompt and good service to the customers.
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Retaining the existing clients and tapping new customers to improve the deposits and clientele base
level.
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Identifying and canvassing prospective depositors.
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Bringing the HNIs and Affluent into our fold and reaching the targets under both low cost and term
deposits for the month, quarter, half year and year end.
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Concentrating more on current deposits to have lesser cost on deposits.
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Accountable for the settlement of death claims as per the laid down procedures and helping and
easing the new clients in all aspects of banking.
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Adhering to the customer service norms like TAT, Customers Wait Time, etc.
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Accomplishing the targets under non-interest income through cross selling of Life and General
Insurance products, Gold coins, Services to NRI customers.
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Managing activities related to portfolio development and management for the HNI clients.
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Containing and managing the operating expenses of the branch and projecting targeted level of
productivity, profitability and house keeping.
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Ensuring smooth functioning of the branch and proper vigilance is exercised in strict adherence to
the laid down systems and procedures.
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Managing the cash holding and maintaining standard cash limit to avoid unnecessary erosion of
profit by keeping huge cash at branch.
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Ensuring safe deposit lockers are exhausted and no arrears are there in any locker account.
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Keeping proper vigil over operation of the SDL by the customers.
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Assuring compliance to KYC and AML guidelines, completion of audit reports in stipulated time frame
and prompt submission of MIS statements in time.
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Premises up – keep and control over inventory items.
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Handling functions related to control over books and forms, security items and safe custody articles.
Settling the death claims arising out of operative accounts, term deposits and safe deposit lockers.
Ensuring punctuality of staff and commencing the business at the right time.
Managing the man power properly to ensure smooth and complaint free service to the customers.
Implementing quality circle, study circle & brain storming sessions for increased involvement of the
staff.
Notable Achievements
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Registered more than 200 % increase of Fee income and Average Current Account float during last
year.
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Instrumental in piloting the avenues for Bank Guarantee lines with various old generation private
sector banks and also nationalized banks for issuing BGs of their customer against counter
guarantee by these banks and also EBRD for their portfolio.
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Expanded the market coverage to Rest of Tamil Nadu covering potential corporates based out at
Tirupur, Karur and Hosur etc.
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Identified the potential available under Mid Corporate segment in and around Coimbatore and rolled
out a special project as “Project 1200 Cr” to increase the NFB limit of the branch to Rs.1200 Cr from
present Rs.130 Cr level.
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Major clients handled include the corporates that figures out in the list of country’s top 1000
companies like TVS group, Pricol Ltd, KPR Mills Ltd, Bannariamman Group and Elgi Group.
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The STP and End to End TAT level on Trade finance operations of the branch is one of the top in the
country.
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Started the new commercial branch at Coimbatore and at Tirupur by organizing the manpower and
infrastructure with appropriate location specific action plans.
Mar’95 – Mar’08 with Canara Bank
Growth Path / Assignments Handled
Mar’95 – Jul’00 As Direct Officer (Scale I) / Agricultural Extension Officer
(Semi Urban Branches and Small and Medium Advances)
Jul’00 – Jul’03 As Direct Officer (Scale I) – Hathras, Uttar Pradesh (Advances
Portfolio)
Jul’03 – May’04 As Direct Officer (Scale I) – Modakurichi (Advances Portfolio)
May’04 – Aug’07As Branch In-charge (Pasur) / Manager (Scale II)
Aug’07 – Mar’08 As Branch In-charge (Mangalapatti, Muthur) / Manager (Scale II)
Key Deliverables
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Achieving the pre-set targets under various parameters of retail banking like deposits growth,
advances and proper documentation.
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Following up on all the loan accounts along with NPA reduction, profitability, productivity, personnel
management, customer service and increasing clientele base.
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Responsible for cash management, vigilance and control over all operations of the branch.
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Preparing and sending MIS reports to the R.O.
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Identifying and attracting the new, potential borrowers.
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Performing appraisal of the project properly to ensure correct quantum of finance and to ensure the
feasibility and viability of the project to prevent any over or under financing.
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Ensuring proper documentation along with pre and post sanction inspections to ensure adherence to
the sanctioned terms and conditions,
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Following up and recovering all over due accounts and ensuring no loan account to slip into NPA.
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Monitoring OD/OCC accounts, obtaining stock statements, arriving of drawing limits, godown
inspection and stock verification, insurance, follow up, etc.
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Monitoring all the loan accounts and ensuring no over dues in any category of loan account.
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Accomplishing the targets under priority credit, agriculture, SSI, other priority sectors and various
other retail banking schemes like housing loans, personal loans, credit cards along with Govt.
sponsored schemes and loans under DRI, etc.
Creating and managing the mortgage of landed properties as securities to loan accounts depending
upon the nature and clarity of the title deeds given by the borrowers by carefully verifying and
assessing the value of the property to be given as security.
Verifying the titles at Sub Registrar Office to ensure the correctness of the documents and EC
submitted by the borrower so that the bank is not put under any kind of risk in future under
whatsoever aspect.
NOTABLE ACCOMPLISHMENTS
Received appreciation letters from the Bank’s seniors for achievement of goals at different levels.
Successfully accomplished the given targets on regular basis with proper planning, execution and
support from the team.
Played a key role in establishing a NIL - NPA branch from Mar’06 and maintained the same status
for more than three years at Canara Bank while doubled the total business of the branch within two
years.
Significantly improved the business to greater level within 1 year and contained the NPA to less than
the target fixed; the productivity and profit of the branch was highest ever at Canara Bank.
Successful in various contests for revenue products and CASA growth at ICICI Bank.
Won foreign trips also by accomplishing targets under Bankassurance performance at ICICI Bank.
Distinctively added more than Rs.150.0 Cr to the branch GL withing a span of 6 months last year at
ICICI Bank.
TRAININGS ATTENDED
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Documentation, Disbursement and Recovery Practice for Financial Institutions – Staff Training
College, Trivandrum in 1998.
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Project Formulation, Credit Appraisal & Monitoring – BIRD Centre, NABARD, Lucknow in 2002.
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Management Development Programme - Regional Staff Training College, Madurai in 2004.
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Branch Leadership Programme – Staff Training College, Jaipur in 2009
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Training on Trade and Forex
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Training on Credit and CMS
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Attended many other regular In-house Programmes conducted by the Banks.
PROFESSIONAL CERTIFICATIONS
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NCFM Certificate in Depository Participation Module.
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IRDA Certified.
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AMFI Certificate in Advisors Module.
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CAIIB
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Certificate in Trade Finance ( IIBF )
QUALIFICATIONS
2008
Masters Degree in Business Administration (MBA)–Finance (Distance Learning) from
Madurai Kamaraj University, Madurai.
2001
Diploma in Management from IGNOU, New Delhi.
2001
Diploma in Computer Applications from NIIT, New Delhi.
1993
Bachelors Degree in Science (B.Sc.) – Agriculture from Tamil Nadu Agricultural
University, Coimbatore.
IT SKILLS – Windows, MS Office & Internet Applications
PERSONAL DETAILS
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Date of Birth
:
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Residential Address :
20th November 1971
No.16 Krishnaraja Nagar, Second Street, Adambakkam,
Chennai – 600088, Tamil Nadu.