BADAL NARULA
Manager
LUDHIANA,Punjab
Summary
Analytical and performance driven manager having over 8 years of experience in overseeing all financial functions within the company. Equipped with experience to supervise financial teams, conducting financial forecasts and with an in-depth knowledge of understanding of financial practices, financial products, risk mitigation and compliance regulations. Dedicated to effective and innovate management techniques to ensure success of the company.
Overview
9
9
years of professional experience
4
4
years of post-secondary education
3
3
Certifications
5
5
Languages
Work History
Manager
Bank of Baroda, Dugri Road
Ludhiana, Punjab
11.2022 - Current
- In my capacity as manager, I am successfully managing a portfolio valued at €11 million (₹ 950 million INR).
- Effectively managing a team of 12 individuals by providing guidance and mentorship to enhance their performance and monitoring their daily activities to ensure optimal results
- Assessing credit applications by analyzing their purpose, credit viability, payment history, and creditworthiness to make informed decisions.
- Facilitating daily staff briefings aimed at motivating and enhancing team performance.
- Overseeing branch operations, including fund allocation, staff development, and revenue growth
Manager
Bank of Baroda, Madhpur
Samrala
12.2020 - 11.2022
- In my role as Manager of a Rural Branch, I effectively managed a team of four individuals and oversaw a portfolio worth €3.5 million (₹ 310 million INR).
- Consistently conducted staff meetings to communicate the organization's vision and foster a collaborative team environment.
- Made informed credit decisions pertaining to Rural/Agriculture Finance.
- Ensured compliance with Anti-Money Laundering and Know Your Customer regulations.
- Verified the authenticity of reports and shared diverse data and market intelligence with the Regional Office
Assistant Manager
BANK OF BARODA, AGRICULTURE UNIVERISITY BRANCH
Ludhiana Punjab
07.2019 - 12.2020
- As a university-based branch, I played a crucial role in managing the banking requirements of the university.
- Managed university deposits totaling €34 million (₹ 3 billion INR)
- Successfully reconciled university accounts, including challenging and aged transactions that were difficult to trace.
- Handled the university's transactions related to the import of agricultural equipment.
- Processing university staff salary payments and handling day-to-day banking transactions.
Accountant
Bank of Baroda, Dhinoj
Dhinoj, Gujarat
05.2017 - 07.2019
- Provided support for various banking tools and managed data effectively.
- Preparation of Various Compliance Reports and submitting it to regional office for assessment.
- Conducted reconciliation of office accounts.
- Coordinating with Internal Departments and Following up with issue resolutions
Junior Officer
Bank of Baroda, Harij
Harij, Gujarat
07.2014 - 05.2017
- Managed and oversaw the operations of the Personal Banking department.
- Served as a member of the Recovery Task Force in the Bank's recovery department and successfully reduced non-performing assets (NPA) by 20%.
- Implemented KYC, AML (Anti-Money Laundering), and due diligence measures to effectively mitigate risk.
Education
Post Graduate Diploma in Banking & Finance - Banking & Finance
08.2013 - 05.2014
- My academic performance was reflected in my impressive CGPA score of 8.99.
- Acquired knowledge on Basel norms, including the regulations and guidelines established by the Basel Committee on Banking Supervision (BCBS) to enhance the stability and soundness of the global banking system
- Focus on Banking Laws and Practices, where I gained in-depth knowledge of the legal and regulatory frameworks governing the banking industry.
- Completed coursework on Credit Assessment and Appraisals, developing expertise in analyzing creditworthiness, assessing financial risks, and evaluating collateral
- Member of school Table Tennis team and earned 2nd prize in a competitive tournament.
Bachelor's Degree - Commerce, Insurance, Accounting, Management
07.2009 - 07.2012
- Bachelor of Commerce with a concentration in Insurance, where I learned about the principles and practices of risk management, insurance policies, and financial planning.
- Studied Accounting Laws and Practices, developing expertise in financial accounting rules and regulations, taxation, auditing, and corporate finance, as part of my Bachelor of Commerce degree..
- Completed courses in Business Management and Skills, including strategic planning, organizational behavior, marketing, and financial management, as part of my Bachelor of Commerce degree.
- As a member of the Art/Painting club in college, I represented the institution in various inter-college art and painting competitions
Skills
Analytical Thinking
Certification
Anti-Money Laundering and Know Your Customer
Accomplishments
- Performance Certificate Certification for impeccable performance and excellence in Digital Banking (Mobile Banking) campaign.
- Appreciation Certificate Certificate of appreciation for outstanding performance in slippage prevention during September 2021 quarter.
- Award of Recognition Award of Recognition for Audit Compliance and regulatory framework during Branch audit for FY 2021-22.
Swimming, Travelling, Learning New Languages
- I am an avid swimmer and enjoy spending time in the pool to stay active and maintain a healthy lifestyle.
- I am passionate about traveling and have visited several countries, immersing myself in different cultures and broadening my horizons.
- I am passionate about learning new languages and have taken courses in Gujarati and Punjabi, which has helped me to communicate effectively with people from diverse backgrounds. I am currently learning German and am excited to expand my linguistic abilities further.
Timeline
Manager - Bank of Baroda, Dugri Road
11.2022 - Current
Manager - Bank of Baroda, Madhpur
12.2020 - 11.2022
Assistant Manager - BANK OF BARODA, AGRICULTURE UNIVERISITY BRANCH
07.2019 - 12.2020
Accountant - Bank of Baroda, Dhinoj
05.2017 - 07.2019
CAIIB - Certified Associate of Indian Institute of Bankers
03-2017
JAIIB - Junior Associate of the Indian Institute of the Bankers
01-2015
Junior Officer - Bank of Baroda, Harij
07.2014 - 05.2017
Anti-Money Laundering and Know Your Customer
05-2014
Manipal University - Post Graduate Diploma in Banking & Finance, Banking & Finance
08.2013 - 05.2014
Dyal Singh College, Kurukshetra University - Bachelor's Degree, Commerce, Insurance, Accounting, Management
07.2009 - 07.2012
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