| Resume |
Leadership qualities and Convincing ability.
Area Of Specialization:
Retail Assets Operations:
Area of Interest: Management in respect of --
Sale of loan products
Associated since : June',2006 to till Date
Designation : Customer Accounts Manager
Functional Role : Management in Retail Asset operations group.
Location : JAMNAGAR
Current CTC : 2,60,000 p. a.
Existing Job Profile :
Disbursement activities like,
Disbursement of Various Product Loans, like Two Wheeler, Commercial Vehicle, Personal Loan and Construction Equipment within the TAT.
Preparing MIS & Detailed Reports.
Co-ordination with Sales, Credit & Risk Containment Unit for better disbursement qualities.
Credit Card activities like,
Physical Health check for the credit card payment-instruments.
Systemized entry in TIPS within TAT & Bounce Reconciliation of the instruments in TIPS.
Deposition of the Credit Card Cheques with the bank
Banking activities like,
Post Dated Cheques (PDC) Related activities through Operating Agency
Reconciliation of PDCs, Bounces & their representations.
Bounce Reconciliation of the instruments
Full time Cashier with the average cash receipt of 10 to 12 lakhs
Co-ordination with Centralized Operation Unit.
Co-ordination with various Nationalized, Co-operative and Private sector Banks for better banking activities and Customer Satisfaction.
Monitoring the financial transactions of about 1800-2000 loans like TW loan, Commercial Vehicle, Constru. Equipments, Personal Loans etc. at District Level.
Customer service activities like,
Attending customer Walk in for the request of statement of account, foreclosure statement and NOC etc.
Resolving customer queries for their PDCs or repayment or part-payment of the loans.
Reconciliation of statement of accounts of different loans.
Other activities :
Operative knowledge of various Banking Software like FINNONE, TIPS, PRJ, BRS, FCRM etc.
FPR of Branch Matrix, Vertical banking at Branch level.
Generation of new business
Operative Knowledge :
Retail Liability Operations like,
Fixed Deposit, Saving account, Current account, Type of customers, Banker-Customer Relation, Mutual Fund, Insurance, Negotiable Instrument, Principles of Bank Lending, Various Loans and Advances, Types of Charges and Cash Counter.
Collection Management like,
DPD, Main Bucket like 1-30 & 31-60, Deliquency Ratio, Roll Back-Roll forward-NCL, Repossission of Vehicles, Equipment like Repo Release and Repo Sale, Legal norms of Repossission Cases, Section 138, Reduce the Deliquency by Controlling the Current Bucket, Lesser the previous month Bucket, Roll back and killing the NCL cases.
Credit Management like,
Checking the NDC checklist, KYC norms, Banking, Character ( Financial Track Record, Market Report, Bankers Report, ), Capacity ( experience, Skill, Knowledge ), Capital ( Own Stake, Capital itself )Viability, Liquidity, Safety, Productive in respect of Salaried and Self employed people with product like Two-Wheeler, Commercial Vehicle, Construction Equipments, Personal Loans etc.
Degree University/ Board Percentage
M. B. A. ( Finance ) Guj. University Awaited
B. Com Saurashtra Uni.59%
H. S. C. G. S. E. B.87%
S. S. C. G. S. E. B.87%
Degree Institute/ Authority Grade/ Percentage
C. S. (Intermediate) I. C. S. I Pursuing
Diploma in Banking Ahmedabad Management Association 83%
Office automation tools & Computer Fundamentals
C. S. (Foundation) I. C. S. I.57%
Journalism: Selected as one of the 35 candidates at National Journalism Camp at New Delhi organized by National Journalist Association from all over the country.
Disaster Management or Civil Defense: Selected as Post Warden Officer in Gujarat Civil Defence Service and associated as Honorary Officer in the Group.
AT ICICI :
By adopting the Cross selling, Generation of Annual business worth Rs.20,00,000 including Personal Loan, Salary a/ c, Saving a/ c, TW loan by Self Initiative,
All the Goals assigned during the year by the Top Management achieved successfully,
Only branch in Gujarat who achieved 6 SIGMA consecutively for 4 months, ( 6 sigma = 3.4 defects per Million Opportunities )
Working with Zero Error and TAT based environment.