Manager Assistant

Nidhi Gupta

Contact: 098******** / E-Mail: *****.******@*****.***

Profile Summary

• A competent professional with over 5 years of experience in:

~ Branch Operations ~ Credit Analysis ~ Client

Management

~ Cash Management ~ Loan Management ~ Revenue

Generation

~ Banking Operations ~ SLA Management ~ Team Management

• An innate flair for accepting challenges with entrepreneurship abilities in managing &

leading overall functions and achieving desired targets

• A proactive leader and planner with expertise in identifying key accounts, managing

portfolio, expanding client base for augmenting turnovers and achieving desired

targets / goals.

Timely opening and activation of the accounts through liasioning with the

•

CPU.

• Handling retail loans viz. housing, personal, car, educational.

• Preparation of loan proposal for cc,term loan,Home Loan,LAP analyzing

f inancial statements of SME and retail loans & verifying documents as well

a s post sanction follow-up and disbursal of loan etc

Preparation of Multiple Banking Annexure on quarterly, yearly basis.

•

• Handled post approval activities such as documentation, account opening, loan

postponements, processing of release letters for approved loans, disbursement, and

completion of stipulated formalities.

• Skilled at managing the day-to day operations of all loan transactions and processing

of all loan documentations

• Deft in monitoring overall operations of the branch; ; S avings Bank, Current

A ccounts, Cash Credit accounts, Term Deposits,RTGS, Cash Management,

R emittances, Bills collections, Clearings & lockers

Core Competencies

• Setting out quality standards for various operational areas, ensuring a high-quality

customer experience, while adhering to the SLAs and work processes

• Interacting directly with clients and redressing queries & issues to their optimum

satisfaction and resolving crucial & long pending complaints; ensuring minimum TAT

• Maintaining healthy relations with channel partners; supervising collection status for

ensuring nil outstanding

• Investigating all available sources of credit & financial information; analysing

financial statements & related material

• Supervising approval of loans & sanctioning credits after appraising solvency status

& verifying documents as well as post sanction follow-up and disbursal of advances

• Designing and streamlining processes to ensure smooth functioning of the business

operations.

• Deft in monitoring overall operations of the branch; ; S avings Bank, Current

A ccounts, Cash Credit accounts, Term Deposits,RTGS, Cash Management,

R emittances, Bills collections, Clearings & lockers.

Organizational Experience

July'14- Till Date with Ujjivan financial services Pvt Ltd.

Key Result Areas:

As Credit officer, Regional Office Delhi

• Carried out the KYC check of loan application and supporting documents as well as

credit check in CIBIL in coordination with collect legal and FI reports.

• Personal discussion with clients for assessment of loan proposals and structuring the

deals within policy guidelines

• Co-ordinating with Legal, Technical, Fraud Control Unit and Field Investigation

agencies for reports and opinions.

• Preparation of loan proposal for secured and retail loans & verifying

d ocuments as well as post sanction follow-up and disbursal of loan etc.

• Conducted the anaysis of financial statements through trend analysis, ratio analysis

and cash flow analysis.

• Accessing credit worthiness of borrowers based on financials, business feasibility,

existing client relationship, operating bank statement, cibil report, feedback from

market, etc.

• Prepration of various MIS report like error report.

May’07-Nov’08 with HDFC Bank

May’07-May’08 Deputy Manager, Faridabad Branch (ELKB)

May’08-Nov’08 Manager,N.I.T. Faridabad Branch

Key Result Areas:

As Manager,N.I.T. Faridabad Branch:

Instrumentally ensured timely processing of instructions given by the clients towards the

operation and maintenance of their account

Contributed towards Zero Defect and No Pendency aspects

Held accountable for the audit compliance of the branch

Managed entire admin. related issues of the branch like housekeeping, maintenance and

service of equipment, etc.

Handled all cash, DD Transfer and RTGS Authorization as well as cash and gold and

stock maintenance operations

AsDeputy Manager, Faridabad Branch (ELKB):

Spearheaded the post approval activities such as documentation, account opening, loan

postponements, processing of release letters for approved loans, disbursement, and

completion of stipulated formalities

Ensured:

Receipt of stock statements on monthly basis, scrutiny thereof, calculation of DP and

feeding in the system

That limits are utilized within the sanctioned limit and no overdrawing are allowed

without proper approvals

Provided authorization of cash, DD, PO, transfer entries and other instruction

Responsible for all cash, DD Transfer, lockers,account opening and RTGS authorization.

Responsible for cash management and gold and stock maintenance.

Ascertained the deduction and deposit of TDS, filing of E-TDS, remittance of service tax

& payments to vendors

Liaised with clients to acquaint them with products like savings/current accounts, savings

bonds, securities as well as assisted in opening/closing of account

Highlight:

Efficiently managed the sales for third party products inclusive of mutual funds and life

insurance policies

Sep’03-May’07 with Lord Krishna Bank, Faridabad Branch

Growth Path:

Sep’03-Sep’04 Banking Assistant

Sep’04-May’07 Assistant Manager

Key Result Areas:

As Assistant Manager:

Carried out the KYC check of loan application and supporting documents as well as

credit check in CIBIL in coordination with collect legal and FI reports

Conducted the analysis of financial statements through trend analysis, ratio analysis and

cash flow analysis

KYC check and Account opening of current, saving and term deposits.

Responsible for tallying of various GL heads and elimination of suspense entries.

Deftly verified the cash transaction, clearance tasks, DD,PO issuance, locker operations

and resolved customer queries

AsBanking Assistant:

Deftly managed entire gamut of banking operations based on:

Handling cash counter, cheque and DD related queries

Clearing transaction, account opening, transfer, DD PO entry, etc.

Resolving queries related saving, current, fixed deposit & Rd accounts

Highlights:

Essayed a stellar role in:

Escalating the client satisfaction levels through prompt resolution of queries, offering

them a solution instead of just a product

Enabling the branch to face for satisfactory audit periods

Lead generation for other revenue focused products like Credit Cards, Mutual Funds,

etc.

Successfully won the Third Party Products Contest organized by the bank for generating

maximum business through successful conversion of leads in unit linked insurance

plans

Major Projects

Audit of Accounting Standard in GE Motors India Ltd.

Study of Pre &Post Effect of Merger &Acquisition on Financial Institutions of ICICI –

ICICI Bank

Academic Details

MBA (Finance & HR) from Amity Business School, Manesar in 2003

B.Com. from Maharshi Dayanand University, Faridabad in 2001

Computer skills

MS office, Advance excel,R

Training

Underwent one week training on Credit from NIBSCOM

Personal Details

Date of Birth: 26thMarch, 1981

Address: House No.: 1033, Sector - 19, Faridabad, Haryana – 121002

Languages Known: English and Hindi

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