Open To Work
Hi, I’m
Ankita Rawat
Lucknow
Summary
Results-driven Banking & Finance professional with 11+ years of experience in Gold Loan operations, branch management, audit compliance, and retail banking sales. Currently working as Branch In-Charge (BIC) and Gold Loan Authoriser at Bandhan Bank, with a proven track record in portfolio growth, customer acquisition, cash control, and operational compliance. Skilled in gold appraisal, branch audits, NPA control, and team supervision.
Overview
11
years of professional experience
1
Certification
Work History
Bandhan Bank Ltd
Branch In-Charge (Gold Loan) & Authoriser
11.2021 - Current
Job overview
- Managed Gold Loan portfolio growth and branch business targets ensuring steady collateral and customer base expansion.
- Conducted gold appraisal, authorization, and documentation verification as per RBI and internal compliance norms.
- Ensured KYC compliance, audit readiness, and documentation accuracy across all gold loan accounts.
- Monitored overdue accounts and interest receivables to control NPA levels.
- Supervised branch operations including cash balancing, bundling, vault custody, and teller supervision.
- Trained and guided branch staff to maintain high service standards and zero-error transactions.
- Ensured branch adherence to SOPs and risk guidelines.
- Recognized as Gold Loan Expert with high sourcing volumes and near-zero error rates.
- Received multiple appreciation awards for process adherence and portfolio growth.
- Strengthened branch profitability through cross-selling and customer retention initiatives.
ICICI Bank
Gold Loan Expert (Operations & Sales)
12.2019 - 11.2021
Job overview
- Handled cash receipts/payments, GL transactions, fund transfers, FX processing, DD/MC issuance.
- Managed HNI customer portfolios and cross-sold savings accounts, insurance, credit cards, home loans, and gold loans.
- Maintained TOD, withdrawal registers, GL registers, and compliance records.
- Ensured large cash transaction monitoring and PAN/KYC updates.
- Generated new business through direct sales, referrals, and corporate account sourcing.
- Awarded for highest GL sourcing volumes and operational accuracy.
- Recognized by management for highest account acquisition in a month.
Muthoot Finance Ltd
Customer Care Executive (Business Development)
05.2015 - 12.2019
Job overview
- Managed walk-in customer servicing and lobby operations.
- Generated new gold loan business and cross-selling opportunities.
- Maintained CRM/CBS data and ensured KYC compliance.
- Conducted market share and competitor analysis to improve branch penetration.
- Developed customer relationships for repeat and referral business.
Education
H.R.P.G CollegeKhalilabad
M.Com from Full-Time
Gorakhpur UniversityGorakhpur, Uttar Pradesh
B.Com
Skills
- Gold Loan Operations & Appraisal
- Area & Branch Business Growth
- Portfolio & Collateral Growth
- Customer Acquisition & Cross-Selling
- NPA & Overdue Monitoring
- Branch Audit & Compliance
- Cash & Vault Management
- Team Leadership & Mentoring
- KYC & Documentation Control
- Retail Banking Sales & Relationship Management
- Ebix LOS
- Core Banking Operations
- Gold Loan Appraisal & Documentation
- Financial Accounting & Branch Controls
- CBS / CRM Systems
- Audit & Compliance Processes
Certification
- Finacle 11 e-Business Suite Training & Certification
- Interpersonal Effectiveness & Influencing Skills
- Business Development & Marketing Activities
- Branch Promotional & Festival Campaign Execution
- Gold appraiser training
Accomplishments
- Top performer (Bank & Financial Institution)
- Achieving 150% GL targets.
Technical And Domain Skills
- Ebix LOS
- Core Banking Operations
- Gold Loan Appraisal & Documentation
- Financial Accounting & Branch Controls
- CBS / CRM Systems
- Audit & Compliance Processes
Languages
- Hindi
- English
- Hindi
Other Experience And Skills - Client Relationship Management
- Managed HNI and retail customers ensuring service quality, retention, and repeat business.
- Ensured minimum TAT and high customer satisfaction standards.
Personal Information
- Passport Number: Yes
- Date of Birth: 07/25/95
- Marital Status: Married
Languages
English
Advanced
C1
Hindi
Advanced
C1
Work Preference
Job Search Status
Open to workWork Type
Full TimeLocation Preference
On-SiteSalary Range
₹100000/yr - ₹200000/yrTimeline
Branch In-Charge (Gold Loan) & Authoriser
Bandhan Bank Ltd
11.2021 - Current
Gold Loan Expert (Operations & Sales)
ICICI Bank
12.2019 - 11.2021
Customer Care Executive (Business Development)
Muthoot Finance Ltd
05.2015 - 12.2019
H.R.P.G College
M.Com from Full-Time
Gorakhpur University
B.Com