Apurva Singh
Bangalore Urban
Summary
Detail-oriented and results-driven banking professional with over 5 years of experience in branch operations, commercial and consumer lending, and financial statement analysis. Proficient in auditing, financial reporting, and ensuring compliance with regulatory requirements. Experienced in optimizing department operations and managing month-end and year-end closings. Known for a methodical, conscientious approach, consistently delivering accurate and high-quality outcomes in dynamic environments.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Assistant Manager
STATE BANK OF INDIA
08.2022 - Current
- Assisted in preparing and reviewing credit applications, ensuring all necessary documentation was complete and accurate
- Conducted thorough credit analysis and risk assessments to determine the creditworthiness of applicants
- Ensured compliance with the company policies, industry regulations, and legal requirements
- Supported the loan documentation process, ensuring proper execution of documents
- Onboarding of HNI customers and relationship building
- Conduct thorough AML/KYC due diligence for institutional and wealth management clients, ensuring compliance with global regulations
- Supported audits and regulatory reviews, contributing to a reduction in compliance-related discrepancies
- Conduct detailed analyses to identify opportunities for process improvement
- Managed daily branch operations, ensuring compliance with regulatory standards and internal policies
- Mobilised CASA deposits through targeted marketing campaigns and customer engagement initiatives
- Provided exceptional customer support via phone and email, addressing inquiries and resolving issues related to various deposit products
- Interface with cross-functional teams to oversee project management activities, ensuring timely and effective strategic initiative implementation
- Participated in operational projects to enhance service delivery and overall efficiency, contributing to improved customer satisfaction metrics.
- Maintained a clean, safe, and organized store environment to enhance the customer experience.
- Monitored cash intake and deposit records, increasing accuracy, and reducing discrepancies.
- Improved customer satisfaction by addressing and resolving complaints promptly.
- Offered hands-on assistance to customers, assessing needs, and maintaining current knowledge of consumer preferences.
- Mentored junior staff members in their professional development by offering guidance/support in their assigned roles.
- Generated repeat business through exceptional customer service.
- Increased sales revenue by developing and implementing effective sales strategies.
Branch Manager
UTTAR BIHAR GRAMIN BANK
03.2019 - 06.2022
- Build and maintain strong relationships with the clients, understanding their financial needs and offering suitable banking products and services
- Developed and maintained strong relationships with agricultural clients, facilitating loans and financial products tailored to their needs
- Assisted in retail and MSME credit assessments, analyzing financial statements and conducting risk assessments
- Customer Management and grievance redressal through collaborating with cross-departments, ensuring timely and accurate responses while adhering to regulatory requirements and best practices
- Assisted in processing loan applications, ensuring all necessary documentation was collected and reviewed for compliance with company standards
- Provided customer support throughout the loan application process, addressing questions and resolving issues to enhance the customer experience
- Maintained accurate records and documentation for loans in process, supporting compliance audits and operational efficiency
- Deposit mobilization and enhancing CASA at the Branch Level
- Achieving Commission based income through government based schemes and other cross-sell means
- NPA assessment and recovery
- Conduct market research to identify potential business opportunities and competitive trends
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Maintained friendly and professional customer interactions.
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
- Strengthened relationships with key clients, securing long-term partnerships and driving revenue growth.
- Managed branch financials including budgeting, forecasting, and expense tracking for accurate reporting and decision-making support.
- Increased branch profitability by implementing cost-saving measures and streamlining operational processes.
Education
B COM -
PATNA WOMENS COLLEGE
06.2017
Skills
- Financial statement analysis
- Loan Documentation and Compliance
- KYC/ AML
- Credit Analysis
- Process Improvement & Systems Enhancement
- Customer Relationship Management
- Credit Policy Adherence
- Customer feedback and grievance redressal
- MS Office
- Administrative and Operational Support
- Data Analysis & Reporting
- Money Handling
- Customer Relations
- Retail Operations
- MS Excel Proficiency
- Product and service knowledge
Websites
Certification
JAIIB, IIBF, 10/01/21
Languages
English
Hindi
Personal Information
Title: Assistant Manager
Experience
5+ Yrs
Additional Information
Certification
JAIIB-IIBF
Timeline
Assistant Manager
STATE BANK OF INDIA
08.2022 - Current
Branch Manager
UTTAR BIHAR GRAMIN BANK
03.2019 - 06.2022
JAIIB, IIBF, 10/01/21
B COM -
PATNA WOMENS COLLEGE
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