---
title: "Hardeep Singh - Officer in Bardoli | Tal"
description: "Meet Hardeep Singh, Federal Bank || Probationary Officer || Ex-Bandhan Bank || MBA’23 based in Bardoli."
image: "https://tal.club/meet/hardeep-singh-5/share-image"
---

# Hardeep Singh on Tal

## 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

[View the original profile](https://tal.club/meet/hardeep-singh-5)

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