Summary
Overview
Work History
Education
Skills
Accomplishments
Affiliations
Additional Information
Software
Certification
Interests
Book Reading and Travelling
Timeline
Generic
BHASKER KUMBALA

BHASKER KUMBALA

EX-BANKER/BANKING PROFESSIONAL
Hyderabad

Summary

  • Total banking experience of 39 years, in three leading Public /sector Banks viz; State Bank of India, Oriental Bank of Commerce and Punjab National Bank
  • The work exposure in the areas of latest Marketing and Customer Acquisition to previous Large Corporate Credit, Credit Monitoring, Administrative Supervision, Branch Banking, Credit appraisal and sanctions
  • Exposure in Fores Trade finance and receipts and payments.
  • Retail loan marketing and sanctions, pre 7 post sanction monitoring.

Overview

31
31
years of professional experience
2
2
Certifications
4
4
Languages

Work History

HEAD CUSTOMER ACQUISITION & MARKETING

PUNJAB NATIONAL BANK
08.2021 - 04.2024
  • Self-motivated, with a strong sense of personal responsibility.
  • Excellent communication skills, both verbal and written.
  • Proven ability to learn quickly and adapt to new situations.
  • Skilled at working independently and collaboratively in a team environment.
  • Build the Branch image of the Bank in souther parts of Tamilnadu
  • Build the retail loan book for the bank

Credit Monitoring & Risk Management

PUNJAB NATIONAL BANK
06.2020 - 08.2021
  • Monitoring of Large borrowal accounts and identify the risk areas for immediate remedial actions.
  • Identified potential risks by analyzing trends in industry-specific data and market fluctuations and apply to the exposures for effective monitoring
  • Reduced credit risk by implementing comprehensive risk assessment strategies.
  • Obtained and interpreted financial statements to assist in credit limit reviews.


Relationship Manager (Credit)

Oriental Bank Of Commerce
09.2016 - 06.2020
  • Coordinating with the branches for mobilisation of large and mid credit proposals, analyzing, assessing and preparation of sanction notes
  • Pre & Post sanction follow-up and monitoring and compliance of credit accounts.
  • Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
  • Built and maintained relationships with new and existing clients while providing high level of expertise.
  • Maintained knowledge on banking products and distribution to provide optimal service support.
  • Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.

Relationship Manager (Corporate Credit)

ORINETAL BANK OF COMMERCE
06.2014 - 06.2016
  • Relationship Manager for Corporate Clients and Govt.Agencies
  • Analysis of financial Statements of the cooperates/Govt. bodies, Assessment & Appraisal of credit limits in Consortium/Multiple banking Arrangements.
  • Pre & Post sanction visits and securities verification.
  • Adhering to the RBI guidelines and Bank's policy guidelines while assessing and sanctioning of credit fatuities to Corporate/Govt. Agencies.
  • Coordinating with co-financiers/Lead Banks for effective monitoring and review of Large credits.
  • Responded to customer inquiries and resolved complaints to establish trust and increase customer satisfaction.


Branch Manager-Chief Manager

ORIENTAL BANK OF COMMERCE
05.2012 - 06.2014


  • Effective branch banking by mobilising retail & whole sale banking business.
  • Familiarizing the customer friendly banking products to the public at large and increase the business.
  • Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
  • Maintained friendly and professional customer interactions.
  • Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
  • Engaged employees in business processes with positive motivational techniques.

Branch Head-Senior Manager

ORIENTAL BANK OF COMMERCE
07.2011 - 05.2012
  • Branch business development and increasing retail loan portfolio.
  • Focus in lending to Priority sector i.e. Agri, MSME in the area.


Credit Administration

ORIENTAL BANK OF COMMERCE
05.2000 - 07.2011
  • Credit appraisal,assessment and sanction at three locations

viz : Mumbai,Hyderabad and Chennai.

  • Branch head at Balanagar,Hyderabad for a period of 2 years.

Manager - Trade Forex Operations

ORIENTAL BANK OF COMMERCE
05.1993 - 03.2000
  • Contributed significantly to company-wide initiatives focused on enhancing overall operational efficiency and profitability.
  • Managed a team of trade forex specialists, ensuring accurate and timely execution of transactions.
  • Provided timely and accurate reporting to senior management on key performance indicators related to trade forex operations, enabling informed decisionmaking.
  • Negotiated favorable terms with service providers, resulting in reduced transaction costs for clients without compromising quality or speed of service delivery.

Education

Certified Credit Professional (CCP) - Banking & Finance

Indian Institute of Banking & Finance
Mumbai
04.2001 -

Diploma in Banking Managment - Banking

ICFAI University
Hyderabad, India
04.2001 -

Certified Associate of Indian Institute of Bankers - Banking Law & Practice

Indian Institute of Banking & Finance
Mumbai
04.2001 -

Bachelor of Science -

GOVT. DEREE COLLECGE
SIDDIPET
04.2001 -

Skills

Strong credit appraisal and assessment

Accomplishments

  • Well versed with using Word, Excel work sheets and power point presentations
  • Good at all the retail loan products
  • Good at reading and anlysing financial statements

Affiliations

  • Member Indian Institute of Banking & /finance, Mumbai

Additional Information

  • Permanent Member of the Intitute

Software

Word, Excel and Power point presentations

Certification

Diploma in Banking Management

Interests

Strong will to work hard by applying my solid banking experience

Inclined to serve the people by contributing my best

Wiling to help the people in need

Build strong Teams inculcating strong work ethicks

Book Reading and Travelling

Address:

KUMBALA BHASKER

H.NO. 16-145, GAYATRI NAGAR, ROAD No.9

BEHID mUNICIPAL OFFICE

PEERZADIGUDA, UPPAL

HYDERABAD-500098

Timeline

HEAD CUSTOMER ACQUISITION & MARKETING

PUNJAB NATIONAL BANK
08.2021 - 04.2024

Credit Monitoring & Risk Management

PUNJAB NATIONAL BANK
06.2020 - 08.2021

Certified Credit Professional

08-2019

Relationship Manager (Credit)

Oriental Bank Of Commerce
09.2016 - 06.2020

Relationship Manager (Corporate Credit)

ORINETAL BANK OF COMMERCE
06.2014 - 06.2016

Branch Manager-Chief Manager

ORIENTAL BANK OF COMMERCE
05.2012 - 06.2014

Branch Head-Senior Manager

ORIENTAL BANK OF COMMERCE
07.2011 - 05.2012

Diploma in Banking Management

11-2008

Certified Credit Professional (CCP) - Banking & Finance

Indian Institute of Banking & Finance
04.2001 -

Diploma in Banking Managment - Banking

ICFAI University
04.2001 -

Certified Associate of Indian Institute of Bankers - Banking Law & Practice

Indian Institute of Banking & Finance
04.2001 -

Bachelor of Science -

GOVT. DEREE COLLECGE
04.2001 -

Credit Administration

ORIENTAL BANK OF COMMERCE
05.2000 - 07.2011

Manager - Trade Forex Operations

ORIENTAL BANK OF COMMERCE
05.1993 - 03.2000
BHASKER KUMBALAEX-BANKER/BANKING PROFESSIONAL