MBA Finance & Analytics - Probationary Officer Banking Experience

Yadnya Raut

Yadnya Raut **************@*****.*** +917*********

SUMMARY

MBA (Finance & Business Analytics) professional with 1.5 years of banking experience as a Probationary Officer, skilled in financial reporting, GL reconciliations, cash application, internal controls, and regulatory compliance to support accurate and timely month-end close.

WORK EXPERIENCE

Probationary Officer - Federal Bank, Solapur Sep 2024 - Nov 2025

– Enhanced financial reporting accuracy by managing high-volume cash application (898+ transactions monthly), validating credits, clearing unapplied cash, and executing KYC/AML checks with 86% compliance. Strengthened month-end close by preparing journal entries, reconciling GL/SL variances, performing ATM cash balancing, and managing fixed assets including capitalization, depreciation, and retirement.

– Improved control adherence by aligning workflows with SOPs, eliminating manual reclassifications, resolving intercompany variances, and supporting audit and regulatory standards. Delivered structured and accurate inputs for P&L, balance sheet, off–balance sheet items, tax annexures, and regulatory reporting, ensuring timely and quality submissions to the reporting team.

– Utilized SAP and Advanced Excel to prepare financial schedules, perform consolidations, validate balances, and support pre-closing activities. Collaborated with regional finance teams to address accounting discrepancies, reduce warnings/missing items at source, and enhance the accuracy of HO-driven ad hoc reporting.

– Optimized operational efficiency across loan products (Gold, Agri, Retail) while maintaining audit-ready documentation and strong customer servicing. Managed and serviced a 130 Cr portfolio ( 78 Cr Advances 52 Cr Deposits), ensuring robust financial governance, minimized processing errors, and stronger reporting reliability. Finance Intern - HDFC Bank, Pune May 2023 - Jul 2023

– Supported the Personal Loan team in driving product growth by assisting salaried and self-employed customers throughout the loan lifecycle — from application and verification to disbursement and post- disbursement services.

– Ensured compliance with RBI regulations, credit norms, and bank policies while generating MIS reports, maintaining records in Finacle/CRM, and collaborating with Credit, Operations, and Sales teams to improve turnaround time and achieve monthly disbursal targets. PROJECTS

Gold Loan Portfolio Optimization & Retention Analytics Conducted borrower data analysis to develop targeted customer retention strategies and implemented customized gold loan schemes, resulting in 86% portfolio growth in Q2 and branch qualification for the Golden Odyssey 3.0 program.

Unsecured Loan Lending Process

Analyzed the Unsecured Loan Lending Process at HDFC Bank, focusing on loan application, eligibility, and risk assessment while using Finacle, DSSE, and CCWF portals to enhance process efficiency and compliance understanding.

EDUCATION

2022 - 2024 MBA (Finance) at Indira Institute of Management, Pune (CGPA: 8.75/10) 2019 - 2022 BSc (Math’s) at Abasaheb Garware Collage, Pune (CGPA: 8.05/10) SKILLS

Expertise: Credit & Risk Assessment, P&L Analysis & Validation, General Ledger Review & Adjustments, Financial Modelling & Valuation, Regulatory Compliance, Industry Research, HNI Client Onboarding, Attention to Detail, Fund Valuation & Pricing Analysis, Analytical Thinking, Team Collaboration

Technologies & Tools: Finacle, Oracle Fusion, Finn One, Fin Clip, HDFC CCWF, Excel (Advanced), MS Office, SQL.