Manu Purushothaman
Lawrenceville, GA,GA
Summary
Accomplished professional with a comprehensive background spanning credit analysis, retail and wholesale banking, retail jewelry sales, and customer service. Known for consistently achieving and surpassing objectives through a strategic approach to data analysis and business development. Expertise in credit appraisal, leveraging analytical insights to mitigate risk and drive profitability. Extensive experience in the retail sector, excelling in sales, customer retention, and fostering strong client relationships. Adept at multitasking and prioritizing tasks to deliver exceptional results while maintaining a strong focus on quality and detail. A collaborative team player with excellent communication skills, adept at conveying complex ideas effectively to diverse audiences. Committed to delivering value and driving organizational success through innovation and dedication.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Sales Executive
Joyalukkas Jewellery
10.2023 - Current
- Skillfully negotiate prices with customers based on product value, quality, and market demand, leveraging persuasive communication techniques.
- Demonstrate empathy and active listening to understand customer needs and preferences, tailoring negotiation strategies accordingly.
- Establish rapport with customers to build trust and facilitate smoother negotiations, resulting in increased sales and customer satisfaction.
- Collaborate with sales team members to share best practices and refine negotiation tactics, fostering a culture of continuous improvement.
- Assist in procurement process by researching potential suppliers and evaluating product quality, price, and reliability.
- Negotiate terms and conditions with suppliers to secure favourable pricing, payment terms, and delivery schedules.
Monitor inventory levels and anticipated demand trends to optimize purchasing decisions and maintain adequate stock levels. - Conduct regular supplier performance reviews to ensure compliance with contractual agreements and quality standards.
- Works closely with the inventory management team to track shipments, reconcile purchase orders, and resolve discrepancies.
- Manage payroll administration tasks including tracking employee work hours, commissions, bonuses, and deductions.
- Coordinate with the HR department to implement payroll changes such as salary adjustments, new hires, terminations, and benefits enrollment.
- Provide guidance and support to employees regarding payroll-related inquiries, resolving issues promptly and professionally.
- Conduct regular reviews of tax laws and regulations to stay informed of changes that may impact tax reporting and compliance.
- Manages all cash transactions, including receiving payments, providing change, and processing refunds, with a focus on accuracy and efficiency.
- Implemented strict cash handling procedures to minimize the risk of errors, fraud, and theft, ensuring compliance with company policies and regulations.
- Conducts daily cash reconciliations to verify cash balances and identify discrepancies, investigating and resolving any issues promptly.
- Maintains a secure cash register area and followed proper security protocols to safeguard cash and valuables.
- Research sales opportunities and possible leads to exceed sales goals and increase profits.
Manager
The Federal Bank Ltd, India
01.2014 - 08.2018
- Scrutiny of loan proposals sanctioned by branch heads
- Analysis of balance sheet, financial statements and cash flow statements of clients
- Verifying, correlating and tracking financial models, forecasts and projections with actuals
- Management of credit data and reporting dashboard
- Management of executive management reporting dashboards and distilling key insights
- Develop and deploy tools and processes across organization as business defines
- Expanded cross-functional organizational capacity by collaborating across departments on priorities, functions and common goals
- Kept detailed records of daily progress to identify and correct areas needing improvement
- Applied customer feedback to develop process improvements and support long-term business needs
- Support monthly/quarterly credit sanction review process
- Managing and follow up on customer grievances and appeals
- Regular monitoring of pending customer appeals and routing to appropriate departments for timely resolution
- Serves as liaison officer between various departments for customers grievances management
- Managing, Monitoring and supporting junior credit officers in credit analysis
- At time handles group of 4-5 credit officers
- Vetting of all credit proposals processed by credit officers and ensuring on-time submission of proposals to concerned authorities
- Regular monitoring and visit of client factory production facilities to understand each company's supply chain management, inventory management, sales process, production planning, compliance management, etc
- Quarterly monitoring and update of inventory level, receivables and creditors
- Analyzing quarterly reports with projected financials submitted by clients
- Prepares notes and replies to sanctioning authorities on queries and additional information sought
- Prepares mitigating notes on risk factors raised by Risk vetting Department
- Monitoring of all sanctioned and disbursed loans with regard to sanctioned covenants
- Sourcing of Corporate and Mid-Corporate proposals individually as well as meeting/counseling prospective customers introduced by branch heads
- Nodal officer for correct classification in Corporate and MSME Accounts
- Issuance of instructions/circulars
- Handles all post-sanction formalities, including documentation, disbursement and follow up of loan accounts
- Handling of management and statutory audit of corporate loan portfolio and ensuring compliance thereof with help of branches
- Working collaboratively with all impacted departments to ensure conformance with company-wide accounting guidelines, procedures, and reporting activities
- Effectively managed loan portfolio in terms of recovery and regularization of accounts
- Conducts in-depth research and interfaces with external collection agencies in effort to track and resolve outstanding account delinquencies to ensure high recovery rate
- Works as liaison officer with Reserve Bank of India( RBI) officials during their annual inspection
- Manage sales of bank products, new business, operations and customer service at branch level
- Responsible for all daily branch operations, which included management of more than 50 major client accounts, staying within or below monthly budgets, and oversight of 20 branch employees daily job activities
- Involved in all-new prospect sales meetings/presentations; responsible for selling prospects on operational quality, efficiency, and success
- Introduced higher standards for customer service and increased efficiency by streamlining operations
- Analyzes and reports on grievance and appeal issues and makes respective written communication documents to convey determination
- Expanded cross-functional organizational capacity by collaborating across departments on priorities, functions and common goals
- Kept detailed records of daily progress to identify and correct areas needing improvement
- Performed statistical analyses to gather data for operational and forecast team needs.
Assistant Manager (Credit Analyst)
The Federal Bank Ltd, India
10.2008 - 12.2013
- Appraisal/processing of Medium and Small scale Enterprises Proposals for onward recommendation to Credit Committee and Board
- Processing/Appraisal of Project Loans, primarily road and power projects
- Processing/appraisal of Retail loan products
- Processing and appraisal of trade finance proposals
- Analyzing financial documents for clients in accordance with accounting principles
- Coordinating with various departments and ensuring timely and accurate collection of all data to process application
- Create financial models in Excel using advanced tools like macros and lookup features
- Create models for forecasting asset management like loans, payments and interest
- Assist clients with financial modeling and market research
- Use data analytical tools to organize and present models
- Preparation of Sanction Letter / Advice to Branches for onward issuance to applicants
- Distributing correspondence to various branches for resolution on severely delinquent accounts, and preparing monthly status reports for senior management review
- Analyzed business requirements and developed Use Cases, Use Case Diagrams, Sequence Diagrams and wireframes
- Assembled, analyzed, and represented customer business requirements
- Performed feasibility analysis, scopes project, recommended alternative solutions and deliverable prioritization to Program
- In collaboration with the credit underwriters, created original documentation, prioritized, finalized and created the process workflow for the business unit
- As a liaison, successfully reviewed current processes and triaged problems and reviewed changes as well as enhancements along with the Business Partners and IT Development Team
- Working closely with Business to provide communication, be the change management point of contact and provide process revisions during quarterly releases to business
- Involved in complete SDLC (Software development life cycle) of various implementations
- Walked through the product owners on user stories with more technical details
- Involved in gathering requirements and being the liaison between the business and the technology
- Facilitated the planning, meetings, review meetings, retrospectives, resolved impediments and the daily stand-up
- Collaborated with the Project Managers in Tracking and Managing Project Development Process
- Assisted in creating test cases, UAT Testing and in System Integration Testing and providing support for User Acceptance
- Sourcing of Corporate and MSME proposals individually as well as meeting/counseling prospective customers introduced by branch heads
- Marketing of Retail products
- Involving in discussions with Customers/Business stakeholders to determine business requirements and lead requirement gathering meetings
- Maintaining master data spreadsheet of all loans sourced, processed, sanctioned and disbursed
- Adherence to KYC norms & AML guidelines
- Liaisons with customers and keeps them updated with newly launched products/schemes
- Building relationships with business owners and stakeholders to produce effective working relationships
- Assessed credit risk and analyzed financial statements
- Conducted presentations to upper management and executive teams for loan recommendations
- Made decisions and recommendations about extending lines of credit
- Reviewed customer files on regular basis to make sure receivables were in sound condition
- Complied with internal controls and government regulations
- Increased customer satisfaction by resolving issues
- Gathered loan documentation for underwriting
- Conducts financial review of customer lines of credit by assessing company financials and initiating credit application reviews
- Created spreadsheets using Microsoft Excel for daily, weekly and monthly reporting
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
CAD Engineer
DSI Technologies Pvt Ltd, India
01.2006 - 06.2008
- Finite Element Analysis (FEA) modeling of BIW for Vehicle Safety Crash studies and Noise Vibration and Harshness studies using Hypermesh and Visual mesh for Japanese Car Manufacturers
- FEA Modeling, Assembly of BIW using HYPERMESH for crash analysis
- FEA Modeling of BIW using HYPER MESH & VISUAL MESH for NVH analysis
- Basic knowledge of NASTRAN and LS-DYNA solvers
- Geometry Checking and clean up
- Preparation of Estimation and schedule
- Designed high quality, robust and cost-effective CAD product models by preparing routine layouts, detailed drawings, assembly sketches and diagrams
- Comprehensive understanding of automotive CAE offshoring business approach and expertise working and liaising with Japanese clients
- FINITE ELEMENT MODELING PROJECTS: Finite Element Modeling of BIW assemblies such as Front and Rear side structure, Roof, Floor, Front end, Rear end, Dash panel for crash studies
- Finite Element Modeling of BIW assemblies for NVH analysis
- Finite Element Modeling of Closures such as Hood, Front Door Rear Door, Tail Gate for Crash and NVH analysis
- Interacted with clients to obtain critical design information necessary to complete projects within intended time frames
- Identified potential operational issues to redesign products and improve functionality.
Education
Bachelor of Technology - Mechanical Production Engineering
Kerala University
Trivandrum, Kerala, India05.2005
Skills
- Credit Analysis
- Operations
- Analytical Skills
- MS Visio
- Language C
- UML
- SQL
- Portfolio Monitoring
- Sales expertise
- Sales Planning
- Credit Appraisal
- Wholesale Banking
- Customer Service
- Policies and procedures
- Verbal and written communication
Certification
- Trade Finance, Indian Institute of Banking & Finance (IIBF)
- KYC & AML (IIBF)
- Google Data Analytics
- Business Analyst Training
- Opportunity Management in Salesforce
- Lead Management in Salesforce
Visa Status
EAD Work Authorization- Authorized to work for any US employer
Timeline
Sales Executive
Joyalukkas Jewellery
10.2023 - Current
Manager
The Federal Bank Ltd, India
01.2014 - 08.2018
Assistant Manager (Credit Analyst)
The Federal Bank Ltd, India
10.2008 - 12.2013
CAD Engineer
DSI Technologies Pvt Ltd, India
01.2006 - 06.2008
Bachelor of Technology - Mechanical Production Engineering
Kerala University
- Trade Finance, Indian Institute of Banking & Finance (IIBF)
- KYC & AML (IIBF)
- Google Data Analytics
- Business Analyst Training
- Opportunity Management in Salesforce
- Lead Management in Salesforce
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