Headline

Federal Bank || Probationary Officer || Ex-Bandhan Bank || MBA’23

About

Experienced Banking Professional with nearly 3 years of expertise in branch operations, credit underwriting, and risk management. Bringing a proven track record of managing diverse retail and MSME portfolios, ensuring regulatory compliance, and driving business growth through strategic relationship management with medium to high-value clients. Eager to leverage my skills in credit analysis and operational leadership to contribute to a challenging role in the financial sector.

Location

Bardoli

Work experience

Officer at Federal Bank, Jun 2024 - May 2026 · 2 yrs, Bardoli, Gujarat, India, • Operational Leadership: Served as the Second Line of Authority, managing end-to-end branch operations, cash management, and clearing processes to ensure 100% operational accuracy and daily workflow efficiency. • Credit Administration: Managed a diverse portfolio of retail and MSME loans, ensuring rigorous documentation standards and proactive post-sanction monitoring to maintain portfolio health. • Compliance & Governance: Upheld strict "Zero-Deficiency" standards in KYC/AML compliance and internal audits, ensuring consistent adherence to RBI guidelines and bank policies. • Business Development: Consistently met and exceeded monthly targets for CASA and third-party financial products by cultivating relationships with High Net Worth (HNI) and retail clients. • Team Leadership: Supervised and mentored clerical staff, fostering a collaborative environment that optimized service delivery and ensured seamless customer experience.

Probationary Officer at Federal Bank, Feb 2024 - Apr 2024 · 3 mos, Thane, Maharashtra, India

Loan Sanctioning Authority at Bandhan Bank, Jul 2023 - Feb 2024 · 8 mos, Dhanbad

Loan Manager at Bandhan Bank, Jul 2023 - Feb 2024 · 8 mos, • Credit Underwriting: Exercised delegated sanctioning authority for loans up to Rs. 5 Lakhs, evaluating financial statements and risk profiles for 10–15 microfinance business loan applications daily. • Risk Management: Mitigated potential NPA risk by performing rigorous due diligence and credit appraisals, serving as the final decision-maker for loan sanctions and rejections. • Regulatory Adherence: Ensured all credit proposals strictly complied with internal credit policies and statutory lending norms. • Operational Efficiency: Streamlined the appraisal-to-disbursement cycle, consistently reducing turnaround time (TAT) while maintaining high-quality portfolio standards.

Sales And Marketing Intern at Shriram Life Insurance, Jun 2022 - Jul 2022 · 2 mos

Education

Master of Business Administration - MBA, Marketing and Finance, Amity University Jharkhand

ICSE, Accounting and Business/Management, De Nobili School