Headline

Senior Financial Analyst (Aspiring) | Deputy Manager – Banking | M.Com | Risk, Compliance & Operations | Power BI & SQL(In Progress)

About

Banking professional with 12+ years of experience in operations, compliance, and customer relationship management within the Indian banking sector. Recently completed my Master of Commerce from Indira Gandhi National Open University, strengthening my foundation in finance and business strategy. In my current role as Deputy Manager, I manage branch operations, ensure regulatory compliance (KYC/AML), and handle customer portfolios while driving efficiency and service quality. I am now transitioning into Senior Financial Analyst / Risk Analyst roles, combining my banking expertise with data analytics. Currently building hands-on skills in Power BI and SQL to support data-driven decision-making. 🌍 Actively exploring global opportunities. Core Skills: • Financial Analysis & Reporting • Banking Operations & Process Improvement • Risk & Compliance (AML/KYC) • Data Analysis (Power BI | SQL – in progress) • Stakeholder & Customer Management

Location

South Goa

Work experience

Deputy Manager- Banking Operations at PUNJAB NATIONAL BANK, May 2019 - Present · 7 yrs 1 mo, India, • Managed end-to-end branch operations ensuring compliance with regulatory and internal policies • Oversaw KYC/AML processes, audits, and risk controls to maintain operational integrity • Handled high-value customer portfolios, improving retention and satisfaction • Analyzed performance metrics and prepared reports for senior management • Improved operational efficiency by streamlining internal processes • Coordinated with cross-functional teams for smooth service delivery

Banking Officer at PUNJAB NATIONAL BANK, May 2019 - May 2023 · 4 yrs 1 mo, • Led credit risk assessments and operational reviews, contributing to a 15% reduction in NPAs. • Implemented process improvements that enhanced operational efficiency by 20%. • Supported branch audits and ensured adherence to regulatory and internal compliance standards. • Trained junior staff on banking operations, compliance procedures, and customer handling. • Coordinated cross-functional teams to improve turnaround time and service delivery.

Banking Operations Associate at PUNJAB NATIONAL BANK, Jul 2013 - May 2019 · 5 yrs 11 mos, India, • Supported day-to-day banking operations including account services, documentation, and compliance checks. • Assisted customers with banking products while ensuring regulatory adherence. • Conducted basic market and customer data analysis to identify service improvement opportunities. • Collaborated with internal teams to enhance customer experience and operational consistency.

Client Service & Operations Role at Ramada Caravela Beach Resort - India, Jun 2012 - Jul 2013 · 1 yr 2 mos, • Delivered high-end customer service in five-star hospitality environments. • Managed client coordination, reporting, documentation, and stakeholder communication. • Developed strong interpersonal, communication, and service excellence skills transferable to banking and consulting roles.

Guest Services Supervisor at Taj Exotica Resort & Spa, Goa, Jan 2009 - Jun 2012 · 3 yrs 6 mos, • Managed end-to-end guest service operations, including check-in, check-out, and issue resolution. • Analyzed and addressed customer feedback and service gaps to improve satisfaction and service quality. • Maintained and updated customer data and profiles in internal systems to support service personalization and reporting. • Coordinated cross-functional operations with housekeeping and support teams to ensure timely room readiness and service delivery. • Supervised, trained, and scheduled team members to ensure smooth shift operations and workload allocation. • Ensured accurate record-keeping, documentation, and compliance with organizational policies and procedures.

Education

Master in Commerce, Commerce, Indira Gandhi National Open University

Bachelor of Commerce - BCom, Business/Commerce, General, Sophia College