KUSHAL RAM NAYUDU
Professional Synopsis
Sector Preference: Banking / Finance / Insurance
 Result oriented professional with nearly 9 years of experience in Retail Banking, Sales & Marketing, Business
Development/ Brand Management and Relationship Management.
 Last associated with HDFC Bank Limited Hyderabad as Liabilities Channel Support Manager in
Liabilities Product Group.
 Demonstrated proficiency in implementing sales plans for achieving the budgeted targets through trade and
institutional business.
 Pivotal in maintaining healthy relations with clients and implementing periodic business plans for enhancing
service delivery to generate business avenues.
 Developed competency in managing retail banking operations and implementing strategies towards enhanced
customer satisfaction.
 Demonstrated abilities in expanding the sales & market, brand building, generating new business and targeting
the potential customers.
 Strong business acumen with skills to remain on the cutting edge; drive new business through conceptualizing
strategies, augmenting & streamlining channel networks, implementing product promotions, etc.
Customer focused & performance driven with the ability to handle extremely busy and hectic schedules.
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 Proficient in implementing systems and procedures with proven ability to achieve the financial discipline &
achieve profitability.
 Team based management style with abilities in creating a conducive environment to work.
 Exceptionally well organized with a track record that demonstrates self-motivation and initiative to achieve
both personal & corporate goals.
Core Competencies
Branch Operations
 Monitoring the branch’s performance against the targets set including initiation of marketing activities to
achieve the same.
 Coordinating with central processing unit and monitoring back office operations at branch level to ensure
conformation to the audit and regulatory guidelines.
 Monitoring the sales performance of sales executives attached to Branch’s & Direct sales channel and ensuring
that productivity benchmarks are met.
 Contributing towards work simplification, develop processes and systems to ensure error free operations.
 Coordinating with product team and processing units for smooth roll out of products and processes.
Retail Banking Operations
 Managing complete retail banking operations, providing complete range of banking services for smooth &
complaint free branch functioning.
 Setting up and heading complete retail operations with key focus on bottom line profitability by ensuring
optimal utilization of available resources.
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Ensuring compliance with the statutory requirements laid down under different acts.
Introducing & positioning new financial tools in existing market to escalate business of the organisation.
Handling retail banking activities as well as involve in cross-selling of financial products to existing customers.
Sourcing new business for the bank and generating leads from various sources in order to meet and exceed
monthly personal and team targets.
 Developing and/or implementing initiatives and campaigns in order to raise awareness and maximize the
profitable business.
Business Development
 Mobilizing business by selling the banks products like savings, current, fixed deposit & non-resident accounts.
 Promoting direct banking channels like Net Banking, Phone Banking, Debit Cards and Mobile Commerce.
 Managing customer centric banking operations & ensuring customer satisfaction by achieving delivery & service
quality norms.
 Establishing a reliable and cost effective channel network there by enhancing market reach and penetration for
business excellence.
 Increasing portfolio penetration in the Non-Resident customer base by cross–selling other products like Mutual
funds, insurance, Trading services, Asset products etc.
 Delivering qualitative and timely service to all customers and assisting them to resolve service related issues.
Team Management
 Monitoring individual performance against plans and targets taking appropriate action to ensure achievement
of agreed goals.
 Grooming the team members and mentoring them on the career growth.
 Creating and maintaining a healthy & learning environment which ensuring creative & operational development
of the employees.
 Monitoring performance of personal bankers and authorizing daily banking transactions carried out by them.
Career Highlights
Sep’99 - Jun’08
HDFC Bank Limited, Lakdikapul, Hyderabad
Growth Path:
Sep/99- Jun/00
Officer - Retail Banking [Grade–Deputy Manager], Lakdikapul, Hyderabad
Jul/00 - Jan/03
Senior Officer - Retail Banking [Grade– Manager], Lakdikapul, Hyderabad
Feb/03- May/07
NRI Services Manager [Grade- Senior Manager], Lakdikapul Hyderabad
Jun/07- May/08
Liabilities Channel Support Manager in Liabilities Product Group
[Grade- Senior Manager]
As Liabilities Channel Support Manager in Liabilities Product Group
Based out of Hyderabad for South-1 Zone comprising of Andhra Pradesh State & Chennai City
 Supervising retail branches in Andhra Pradesh and Chennai City for business generation in liability products
against defined targets.
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Cross-selling activities from branches and ensuring that target portfolio penetration is reached.
Coordinating with product team and processing units for smooth roll out of products initiatives & processes.
Closely working with regional marketing team for roll out of marketing activities for business generation.
Managing the portfolios of Relationship Managers and Corporate Salary Relationship Managers.
Imparting training for branch staff and disseminating information on new products.
Monitoring local competition and continuously benchmarking bank’s performance.
Creating a feedback mechanism for all competition activities.
As NRI Services Manager [Grade- Senior Manager], Lakdikapul Hyderabad
 Mobilizing business through branch channel by promoting and selling bank’s non-resident products & services.
 Providing Retail Foreign Exchange facilities.
 Supporting function to all branches in terms of training and dissemination of information on products, services
& regulatory aspects.
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Ensuring compliance with internal audit guidelines, FEMA regulations & procedures.
Rolling out marketing activities for business generation.
Maintaining HNI portfolio of NRI customers, involving acquiring, developing & retaining relationships.
Monitoring customer service issues related to non-resident services and ensure speedy resolution.
Periodically collecting customer feedback & suggestions through surveys and process through internal channels
for improved services.
As Senior Officer - Retail Banking [Grade – Manager]
 Coordinating branch with specialist function in NRI related accounts and products.
 Cross selling of other products offered by the bank like depository services, loan against securities, personal
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and auto loans, mutual fund advisory services, corporate salary accounts and credit cards.
Achieving branch sales targets every month on a consistent basis.
Handling the Retail banking section of the branch and acting as back up Branch Manager.
Monitoring field sales executives in terms of performance and business sourcing.
Preparing quarterly audit reports and authorizing FOREX transactions for retail customers.
As Officer - Retail Banking [Grade – Deputy Manager]
 Mobilizing business by selling the banks products and handling day to day branch operations, service & sales.
Previous Assignments:
Oct’98- Aug’99
Senior Marketing Executive with Talwar Mobiles Private Limited, Hyderabad –
Promoting auto products of Hyundai Motors
Aug’97- Oct’98
Business Executive for Direct Marketing Associate with Kotak Mahindra Primus
Limited, Hyderabad - promoting auto finance schemes
Professional Qualifications
Post Graduate Diploma in Business Management (PGDBM) from Indian Institute of Advanced Management,
Visakhapatnam, AP in the year 1997
Academics
Bachelor of Science (Honours) from St Xavier’s College, Ahmedabad, Gujarat in the year 1995
12th from Central Board of Secondary Education, Kendriya Vidyalaya, Hyderabad in the year 1992
Professional Training & Certification
 Client acceptance and Anti Money Laundering.
 Compliance and principles training program.
 AMFI Certification.
Computer Skills:
 Well versed with MS Office, Windows 2000 and Internet Applications.
 Proficient in Banking Software Packages FINWARE and TALISMA developed by I-FLEX.
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