AARATI SHINDE
Boisar
Summary
Looking for a challenging career, where there is scope for demonstration, always on a look out for a positive & bigger outlook. Set levels & standards that exceed expectations, Have a fun filled attitude in everything, A Learning for Life.
Encouraging manager and analytical problem-solver with talents for team building, leading and motivating, as well as excellent customer relations aptitude and relationship-building skills. Proficient in using independent decision-making skills and sound judgment to positively impact company success. Dedicated to applying training, monitoring and morale-building abilities to enhance employee engagement and boost performance.
Overview
18
18
years of professional experience
17
17
years of post-secondary education
Work History
Senior Manager
SVC Co-operative Bank Ltd.
07.2023 - Current
- Collaborated closely with peers from other departments to drive organizational success jointly as one cohesive unit.
- Provided strong leadership to enhance team productivity and morale.
- Find ways to improve operational efficiency and control costs.
- Established strong relationships with clients and stakeholders, ensuring long-term partnerships and repeat business.
- Implemented and developed operational standards, policies and procedures.
- Held monthly meetings to create business plans and workshops to drive successful business.
- Credit appraising, documentation, disbursal, pre / post inspections, and review of loan accounts periodically
- Ensuring & monitoring system of documentation for all transactions related to Branch operations
- Planning & regulating transaction processing following regulatory changes from time to time
- Identify opportunities for improvement and development of services rendered to customers
- Established strong relationships with clients and stakeholders, ensuring long-term partnerships and repeat business
- Implemented and developed operational standards, policies and procedures
- Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches
- Boosted branch revenue through targeted marketing campaigns aimed at attracting new clients and retaining existing ones
- Increased customer satisfaction by implementing new service protocols and streamlining branch operations
- Promoted culture of innovation by encouraging staff to share ideas and solutions that improved overall branch operations and customer service levels
- Collaborated with senior management to develop strategies for increasing market share and overall profitability
Senior Manager
CITIZENCREDIT Co-operative Bank Ltd.
11.2009 - 05.2024
- Credit appraising, documentation, disbursal, pre / post inspections, and review of loan accounts periodically
- Sanctioning of Loans per lending powers allotted
- Ensuring & monitoring the system of documentation for all transactions related to Branch operations
- Planning & regulating transaction processing following regulatory changes from time to time
- Identify opportunities for improvement and development of service rendered to customers
- Find ways to improve operational efficiency and control costs.
- Improved team performance by providing comprehensive training and fostering collaborative work environment
Prob. Junior Manager / Deputy Manager
CITIZENCREDIT Co-operative Bank Ltd.
11.2009 - 05.2014
- Cash Operations: Handling Cash Receipts and Payments Savings / Current Operations: Opening / Closing of accounts, Issuing cheque books / bank statements, updating of passbooks, Issuing of pay orders and demand drafts, Providing RTGS & NEFT Services
- Clearing Operations: Local clearing - Inward / Outward / Outstation and returns, ECS and Inter Branch Transfers Term Deposits: Opening / closing of accounts, issuing interest / TDS Certificates, Deducting TDS Credit: Reviewing overdraft accounts against fixed deposits, assisting in the documentation & disbursement of loans, daily and weekly valuation of shares for overdraft accounts against shares
- Streamlined office operations for increased efficiency and reduced overhead costs
- Established efficient workflows within team by utilizing task delegation techniques based on individual strengths and skills
- Optimized inventory control processes, minimizing stock discrepancies and maximizing cost savings
Trainee Junior Clerk
CITIZENCREDIT Co-operative Bank Ltd.
01.2009 - 11.2009
- Handling operations of saving A/Cs & Current A/C Counter
- Providing Statements, Updating Passbooks, RTGS & NEFT Services
- Preparation of Pay Orders & Demand Drafts
- Handling Clearing of Cheques (Inward & Outward)
- Handling Clearing of Cheques (Out-Station)
- Assisting in at Investment desk, for FD & RD
- Worked as Cashier, handling payments & receipts
- Reviewing Over-draft A/c against Fixed Deposits
- Assisting at Loans Desk, for Documentation
- Disbursement of Loans against Fixed Deposits
- Marketing of Advances at branch level
- Doing Daily & Weekly Valuation of Shares for respective Over-draft A/c
- Enhanced office organization with regular maintenance of files, records, and supplies inventory
- Utilized strong multitasking skills to manage multiple priorities and tasks, ensuring timely completion of each assignment
- Supported administrative staff with timely completion of daily tasks, ensuring smooth office operations
S1 (Phone Banking Officer)
ICICI Bank Ltd
05.2006 - 12.2008
- Worked for ICICI Lombard General Insurance & ICICI Bank Securities (Investment-Bonds)
- Handled Escalations & ensured Follow Ups
- Monitoring calls & analyzing of calls of other officers & providing necessary Feedback
- Maintaining records of calls monitored along with call details, AHT, scores etc
- Maintaining call records to keep track on new queries & updating team.
Education
MMS - Operations / Finance
Mumbai University
Mumbai, India 08.2023 - Current
TYBA (History) -
St. Xavier's College, Mumbai, Maharashtra, India (Mumbai University)
Mumbai 06.2003 - 04.2006
HSC (Arts) -
St. Xavier's College, Mumbai, Maharashtra, India (Mumbai University)
Mumbai 06.2001 - 04.2003
ICSE -
St. Joseph's Convent, Panchgani, Maharashtra, India
Panchgani 01.1990 - 04.2001
Skills
Additional Qualifications
- Completed JAIIB in May '11, through Indian Institute of Banking & Finance
- Completed the course of Associateship in General Insurance from Insurance Institute of India.
- Completed NCDO (NSDL's Certification in Depository Operations).
- Completed the course of Licentiate in General Insurance from Insurance Institute Of India
- Computer Literate in Basics, MS Office & Open Office.
- Passed 3 Grades in German Language through MMB (Max Mueller Bhavan Institute), Mumbai, Maharashtra, India
Corecompetences
- An enterprising leader with strong analytical, problem solving and organizational abilities.
- Excellent multi-lingual communication skills and the ability to build and maintain business relationships.
- Excellent interpersonal skills that have been put to good use while interfacing with clients for ascertaining requirements and delivering need based product solutions
- Dedicated, disciplined and hard working.
- Ability to prioritize tasks and thrive in a demanding environment.
- Strong personality with effective communication skills.
Linguisticabilities
English, Hindi & Marathi
Personal Information
- Passport Number: L5962142
- Date of Birth: 01/04/86
- Marital Status: Married
Panno
AHPPC3716P
Passportvalidity
11/07/23
References
References can be arranged for on request.
Training
- Internal: Focus on Credit Management & other Ancillary Services of the Bank Handling Operational issues, accounting entries under CBS and Developing Communication Skills towards better Customer Service. Business Development & Attitude Building KYC & BCSBI. Training on E-TDS. Credit Monitoring (External Faculty) Life & General Insurance Operational Efficiency.
- External: 1. Project Appraisal, Financing & Recovery Management (VAMNICOM, Pune). Management Development Program (IFBI). NISM Continuing Professional Education (NSDL) Customised program on Credit Management, NPA Management, Loan Documentation, Legal Course to recover NPA, KYC/AML, Digital Banking, Cyber Security (RBI-CAB, Pune)
Timeline
MMS - Operations / Finance
Mumbai University
08.2023 - Current
Senior Manager
SVC Co-operative Bank Ltd.
07.2023 - Current
Senior Manager
CITIZENCREDIT Co-operative Bank Ltd.
11.2009 - 05.2024
Prob. Junior Manager / Deputy Manager
CITIZENCREDIT Co-operative Bank Ltd.
11.2009 - 05.2014
Trainee Junior Clerk
CITIZENCREDIT Co-operative Bank Ltd.
01.2009 - 11.2009
S1 (Phone Banking Officer)
ICICI Bank Ltd
05.2006 - 12.2008
TYBA (History) -
St. Xavier's College, Mumbai, Maharashtra, India (Mumbai University)
06.2003 - 04.2006
HSC (Arts) -
St. Xavier's College, Mumbai, Maharashtra, India (Mumbai University)
06.2001 - 04.2003
ICSE -
St. Joseph's Convent, Panchgani, Maharashtra, India
01.1990 - 04.2001
Similar Profiles
Ravindra Pandurang PatilRavindra Pandurang Patil
Officer at SVC CO-OPERATIVE BANK LTDOfficer at SVC CO-OPERATIVE BANK LTD
NAVEEN K RNAVEEN K R
Senior Manager, Corporate Banking at SVC Co-Operative BankSenior Manager, Corporate Banking at SVC Co-Operative Bank
Dhruv UgranDhruv Ugran
Customer Service Officer (Retail SME - Processing Officer) at SVC Co-Operative BankCustomer Service Officer (Retail SME - Processing Officer) at SVC Co-Operative Bank