My Details

Mobile No:7373 16 4000
E-Mail : lenaloan.com@gmail.com

Areas of Expertise

  • Recognize potential Customers
  • Branch Banking Operations
  • Gold Loan Processing
  • Demat desk Operations
  • Internal Audit
  • Selling Skills for Bankers
  • Customer service
  • Marketing & Sales
  • Decision Making
  • Planning & Execution
  • Ideas (thinking differently)
  • SDLS (Safe Deposit Locker System)
  • Champion in Five S (5S – Sorting, Systematic Arrangement, Spic & Span,
    Standardize, Self Discipline )


  • A result driven professional with 12+ Years of experience in the areas of
    Branch Banking Operations.
  • Experience in managing general Banking functions in co-ordination with
    internal / external departments for smooth business operations.

Career Highlights


Lena Financial Services, Madurai – Proprietor – ( March 2014 – Present )

  • Working as a Direct Sales Associate for various Financial Institutions, and Servicing to the
    Customers for their Various Financial Needs
  • Maintaining and generating a database of qualified Leads through referrals,Telephone Calls
    & SMS, Hand Notice, Paper inserts, face to face cold calls and email

Tanishq Jewellery,Madurai – Floor Manager/GHS Manager – (Oct 2013-Feb 2014)

  • Floor Management – Serving customers, Arranging window displays, Cleaning up store and display area,
    Supervising staff, Convening team meetings & assisting in other store operations
  • Responsible for activities regarding Jewellery Purchase Savings Schemes – (Golden Harvest Scheme &
    Swarnanidhi Gold Booking Scheme)

Religare Securities Ltd.,Madurai(Stock & Commodity Broking)- Relationship Manager – (May 2013 -July 2013)

  • Responsible for activities regarding Sales, Marketing, New Customer acquisition, Customer Relationship
    Management, & Maximizing Revenue.
  • Organizing promotional programs to improve sales & attain set goals in sales.
  • Designing and applying various methods to accomplish targets on monthly, quarterly, and yearly basis.
  • Recognize potential customers, creating business from the old accounts and reaching profitability level and
    sales growth, Cross Selling of Mutual Funds, Life Insurance & Heath Insurance Products

ICICI Bank Ltd.,Madurai – Senior Officer(Customer Service Manager) – [June 2000 – Dec 2012(12 Yrs & 5 m)]


Roles and Responsibilities :

  • Handling of Financial transactions of Savings and Current account customers.
  • Gold Loan Processing – (Certified Professional in Gold Appraisal System) Documentation, verification
    and Loan Disbursement, Renewal of Jewel Loans, following up of overdue Loans, Joint Custodian,
    weekly reconciliation of Jewels packets, Co-ordinating with External Appraiser for Jewels auditing, and
    Generating fresh Leads for new Jewel Loan
  • Demat desk Operations (Certified Professional in NCDO), (NCDO – NSDL’s Certification in Depository
    Operations) , (NSDL – National Securities Depository Ltd.,)
  • Certified IRDA Professional – for cross selling of Insurance products.
  • Verification of Forex Transactions – Foreign Currency Exchange Services.
  • Joint Custodian for Safe Vault, and managing cash indenting and processing.
  • Issuing Instant Credit Card against Fixed Deposit & Cross Selling of third party products.
  • Safety Locker Operations including Documentation, rent recovery and break open.
  • Lobby management of the branch – Greeting the customer with smile, making eye contact.
  • Inventory Management of the branch – identifying and indenting required inventories.
  • Monitoring of Office accounts and making necessary accounting entries for maintaining them.
  • Verifying of transactions at EOD and handing over the Branch to Central Team.
  • Timely servicing of customer issues and handling of service requests assigned to branch and prompt closure
    of the same within the turn around time.

Notable Credits :

  • Handled a Branch ( ICICI Bank Extension Counter ) with 1+1 staff for 1 Year as a Branch In charge from
    July 2008 to June 2009 .
  • Award for Recognition for stupendous Performance in Q 2, 2008 for Current Account Business from
    Mr.Suresh Badami – General Manager ICICI Bank
  • Received STAR Performer award for Retail Deposit Mobilisation 2002-03 from Mr.KV.Kamath-CEO
    of ICICIBank
  • Certificate of Recognition for Outstanding contribution and Exceptional Performance in Retail Fixed Deposit
    Mobilisation in July – Dec ‘2010 from Mr.R.Ganesan – Regional Head ICICI Bank.
  • Honour of being an Exemplar Value Banker Awarded for spectacular performance in the iNSPIRE program
    for the month of October, 2011 from Mr.Suresh Badami – Retail Business Head ICICI Bank.
  • Letter of Appreciation received for the spirit and Dedication towards the duties and responsibilities and Completing
    Twelve years with ICICI Bank in July, 2012 from Ms.Chanda Kochhar – Managing Director & CEO.

Software Technology Group Intl(STG) – Centre Manager – [April 1998 – May 1999 (1Yr 2m)]


Worked as a Centre Manager, Taken care of both Administration and Marketing activities for the computer centre. Shown profit to the
centre with my marketing experience and managed the centre with utmost care.

  • Supervising and motivating staff, Carry out regular reviews and arrange training as necessary
  • Ensure good communication and team work.
  • Familiarization with competing centres and services in the local areas.
  • Prepare marketing plans for each month , Encourage sales persons to achieve company targets.
  • Responsible and accountable for all expenditure incurred in the running of the Centre & Maximize revenues.

National Institute of Information Technology(NIIT) – Group Leader Marketing – [October 1994 – March 1998 ( 3 ½ Yrs) ]


Joined as a Business Executive in the year October 1994 and promoted as a Sr.Business Executive in December 1996 and
Group Leader Marketing in October 1997 – Received Award for Excellence 1996-97 from P.Rajendran (Chief Operating Officer-NIIT).

  • Managing and training the front office counsellors and sales executives
  • Planning Marketing activities for 3 NIIT centres within the given budget.
  • Analyzing the competitor computer centres and planning strategies accordingly and implementing it.
  • Providing marketing reports to the management , Arranging marketing events.
  • Encourage sales persons to achieve centre targets.

IT Skills :

  • Experience in using Finacle software for banking operations in ICICI Bank.
  • Also knowledge of other banking related software systems for managing Locker, Inventories etc.
  • Well versed with MS – Office , Windows XP and Internet Applications.
  • Learning Tally.ERP 9.

Awards Recieved :

  1. STAR Performer award for Retail Deposit Mobilisation from Mr.KV.Kamath– CEO of ICICI
    Bank, & Exemplar Value Banker Award received from Mr.Suresh Badami – Retail Business
    Head ICICI Bank.
  2. Award for Excellence from Mr.P.Rajendran(Chief Operating Officer-NIIT )

Personal Dossier :

Name : Manikandan.L
Father’s Name : R.M.Lakshmanan
Mother’s name : L.Lakshmi
DOB : 14th January
Sex : Male
Nationality : Indian
Marital Status : Married
Academia :  M.A., Sociology,Annamalai University,2001
Languages Known : English,Tamil and Learning Hindi
Present Location : Madurai, India