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S Kudbudeen Ajmal

Branch Manager Profile - Financial Institution


  • Having 13 years of rich experience in Marketing, Financial Assets and Wealth Management - Banking sector. Successfully executed responsibilities in Business Development, Client Relationship Management, and Team Management in capacities such as Relationship Manager & as Branch Manager. Currently working with HDB Financial Services Ltd as Branch Manager & Handling 45nos of Roles employees. Strong analytical, problem solving & organizational abilities. Possess a flexible & detail oriented attitude. Strong ability to present a professional image in relating with people. Profound verbal and written communications skills.
  • In-depth knowledge of retail policies and procedures to utilize good judgment in making sound decisions. Extensive product knowledge for the level of selling and cross-selling performance expected with position

Work experience

June 2016Present

Branch Manager

HDB Financial Services Ltd
  • Responsible to handles 45nos of roles employees which includes sales, credit & Ops
  • Profitability Management - Maintaining & optimizing profitability for the branch
  • Target setting & management – Monitoring branch targets in numbers & volumes
  • Portfolio quality management - through superior underwriting, working closely with collections
  • Cost management – managing all branch operating costs including cost of acquisition, operations etc.
  • People management – Motivating team, handling HR & administration function of the branch
  • Customer experience management - Ensuring superior customer experience and handling customer service in terms of collections, pre closures & service issues
  • Responsible to ensure TAT management to deliver the all kind of services including timely disbursement daily-wise
Apr 2013June 2016

Relationship Manager - Wealth Management

ING Vysya is Now Kotak Mahindra Bank
  • Do a Financial Needs Analysis and Risk Profiling for the customers in the portfolio.
  • Design a investment portfolio and plan based on ING model portfolio’
  • Periodic Portfolio reviews for all customers
  • Cross‐Sell investments, life insurance, general insurance and SIP.
  • Ensure all customers have a CASA for routing their investments
  • Ensure all customers use the WMS platform wealth management system
Jul 2010Apr 2013

Deputy Manager - Clients Relationship

Kotak Mahindra Bank Ltd
  • Responsible for Branch Wealth Clients acquisition in terms of Nos and Values for the FY.
  • Portfolio Management by advising in various financial asset allocations to Wealth clients.
  • Responsible to X-sell other Liability, Gold Jewel Loan, other Assets & TPP products to meet the customer requirement, product penetration through ensuring the increase in Customer Life Cycle Period with the Organization.
  • Deepening of Relationship with all newly acquired customers by servicing all requirements within the described TAT to ensure Customer Delight and control Closures of Account.
Dec 2008Jun 2010

Agency Development Manager

 Apollo Muncih Health Insurance Company Ltd
  • Recruiting IRDA qualified LI and GI Advisers for getting business from them.
  • Motivating the team members (Health Advisers) to get maximum productivity from them in terms of business.
  • Monitoring the team members for improving their skills to build consistency in their career, this will result in business.
Jul 2008Dec 2008

Junior Sales Manager

Reliance Life Insurance Company Ltd, Ramnad
  • Recruiting Life Advisers for getting new business from them.
  • Profiling the entire population in the region for identifying potential Life Advisor to increase the team size.
  • Guiding the team members to make them well versed in selling skills through joint calls, mentoring etc.,
Oct 2004Mar 2008

Marketing Manager

Suguna Poultry Farm Ltd, Bangalore
  • Recruiting new potential Traders in market for getting new business from them.
  • Providing good service to existing traders who were giving good business to us.
  • Handled 8 members of sales team from Bangalore to mysore.


Jun 2005May 2006

Post Graduate Diploma in Computer Application

Madurai Kamarjar University, Madurai

Computer Application Development

Jul 2000Jun 2003

Bachelor of Computer Application

Madurai Kamarjar University, Madurai

Computer Application Development


Oct 2017

NISM Series V-A: Mutual Fund Distributors Certification

National Institute of Securities Markets 

Mutual Funds

May 2017

IRDA Specified Person - Corporate


Life Insurance


Date of Birth : 11-09-1982

Address: 27- A-3, Ansari Nagar 7th Cross Street, Ellis Nagar Main Road, Mahaboobpalayam, Madurai – 625010.

Marital Status: Married and having two kids.

Language Known: English, Tamil, Kannada, Telugu, Hindi and Urdu.