Customer Service Branch Operations
Resume:
PERSONAL DETAILS
Nationality - Indian
Gender: Female
Marital Status: Married
Age: 37
Mussafah Abu Dhabi, UAE
******.**@*****.***
+971- 052*******
Validity (upto) - April 2026
Visa Type - Dependent
(Family Sponsored)
KEY SKILLS
Branch Operations
Branch Management
Banking Operations
Retail Banking
Customer Service
ATM Operations
Cash Management
Cross Selling
Credit Assessment
Credit Analysis
Credit Risk
Credit Appraisal
Team Management
Commercial Banking
Managed a team of 5+ while overseeing day-to-day branch operations, ensuring adherence to management protocols and enhancing operational workflows and customer service efficiency Validated daily cash closings in books and physical records, maintaining accuracy in cash management and adhering to bank policies Processed 20+ KYC updates daily, ensuring customer compliance with regulatory standards, strengthening customer service and operational efficiency
Appraised loan applications by evaluating credit assessments, including CIBIL scores, mortgage checks, and commercial reports, disbursing INR 50 million in retail and commercial lending per month Performed ATM custodian duties by uploading cash and generating reports, supporting fraud investigations, and minimizing downtime Oversaw locker operations, maintaining data for locker holders and ensuring customer service excellence by managing access and accurate records of locker transactions
Surpassed sales targets by implementing cross-selling strategies for retail and business banking, generating and achieving INR 0.5 million and 0.2 million monthly premium in insurance sales from SBI Life and Bajaj Allianz
Reviewed and verified 300+ vouchers, including cash receipts, payments, demand drafts, and term deposits, ensuring accuracy and adherence to branch procedures
Utilized Finacle 10 and Finacle 7 systems to verify account openings and signatures, processing over 10 new accounts daily while meeting CASA growth targets
Administered clearing system for the branch, processing around 300 cheques daily through a CTS scanner, enhancing transaction turnaround times
Jan 2013 to Present Mumbai, India
Officer Punjab & Sind Bank
PROFESSIONAL EXPERIENCE
SHIFFA MITTAL
SUMMARY
Versatile professional with 14 years in branch operations and retail banking, specializing in credit assessment and insurance products. Actively seeking new opportunities across all industries and roles, eager to leverage strong analytical skills and adaptability to drive customer-centric, results-oriented success in diverse settings
Currently Based in UAE with a three-months’ notice period. Bachelor of Computer
Application
DAV College Abohar, Punjab
EDUCATION
CERTIFICATION
Post Graduate Diploma
in Banking Operations
NIIT Institute of Finance,
Banking and Insurance
Kanakapura, Karnataka
Managed branch operations as a Cashier, handling INR 20 million in cash daily from diverse sources, including petrol stations and shopping malls, to ensure efficient cash management
Processed approximately 300 cash receipts and 400 payments daily, maintaining financial records and adhering to strict bank policies for operational efficiency
Executed ATM operations by preparing and sorting cash for loading, UV lamps to verify the authenticity of notes
Generated leads for insurance products, achieving a monthly premium of INR 0.50 million through cross-selling
Conducted cash tallying at day’s end, ensuring discrepancies were addressed and cash was accurately reflected in the branch’s financial records
Employed Finacle 7 systems to process transactions and enhance reporting accuracy, ensuring alignment with internal standards and regulatory requirements
Sep 2009 to Jul 2011 Noida, India
Officer ICICI Bank
Facilitated branch operations by managing cash inflows of INR 10 million daily, executing cash openings, and processing over 200 cash receipts and 100 payments per day
Attained sales targets by promoting bank insurance products, generating approximately INR 1 million in life insurance and 0.3 million in general insurance monthly
Drove CASA growth by implementing strategies to retain existing customers and attract new clients, consistently opening 10 accounts daily, and 50 accounts during promotional campaigns Led credit assessments for loan applications by assessing applicant’s creditworthiness & mitigating credit risk
Assistant Manager HDFC Bank
Sep 2011 to Jan 2012 Punjab, India
Enhanced customer service by handling 200 customer interactions daily, providing solutions that for customer satisfaction and retention in retail banking
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