BHAGYASHRI G

• Assessed student performance through regular evaluations, identifying areas for improvement and adjusting instruction as needed.
• Established positive relationships with parents and guardians through regular communication about student progress, expectations, and upcoming deadlines.
• Developed engaging curriculum materials to promote interest in course topics and enhance understanding of key concepts.
• Implemented innovative teaching techniques to accommodate different learning styles, ensuring that all students were able to progress at their own pace.
• Subjects handled : (Undergraduate level)

1. Financial Management

2. Principles of Marketing

3. Rural Marketing

4. Financial Education & Investment Awareness

• Enhanced student research skills by supervising independent studies projects both inside and outside the classroom setting.
• Inspired critical thinking skills among students by fostering a learning environment that encouraged open-mindedness, curiosity, and intellectual exploration.
• Mentored students and communicated internship and employment opportunities.
• Contributed to departmental goals by serving on various committees focused on curriculum development, assessment strategies, and accreditation requirements.
• Graded quizzes, tests, homework, and projects to provide students with timely academic progress information and feedback.
• Subjects handled ( MBA students)

1. Principles of Management

2. Financial Management

3. Strategic Management

4. Rural Marketing

• Conducted thorough credit analyses to identify issues, reduce risks, and optimize client creditworthiness.
• Managed a diverse client portfolio by offering tailored solutions and maintaining consistent communication to meet their unique needs.
• Enhanced customer satisfaction by offering tailored financial advice and recommending suitable credit solutions.

• Heading and managing Branch Operations
• Conducted an objective and thorough credit analysis of the financial condition and credit-worthiness of existing and new to bank borrowers using analysis of historical and projected financial statements, ratios, biographical data, market information, credit reports and other data;

• Identified key transactional risks & mitigants for different credit products like working capital and term loans, project loans, LC, LG, LAP, housing loan, micro finance government schemes etc.

• Prepared and processed CAM (Credit Appraisal Memo) and making credit recommendation, assistance in finalization of terms and condition of credit facility.

• Risk based analytics including ratings validations like (Statistical validations of Obligor and Facility Ratings Models developed by the Risk Management Division).

• Formulating effective debt collection mechanisms, monitoring and controlling delinquency and credit loss, making modifications for improvising quality and service standards, managing and mitigating risks, managing & leading teams for running successful process operations, aligning processes with the client guidelines, managing customer relationships, developing procedures and service standards for business excellence.

• Balanced focus across people and processes, excellent interpersonal, organizational and communication skills, and proven abilities in team building, team management, and cross utilization of resources within sub processes.

• Managing the overall TAT.

• Co-coordinating with internal audit and statutory audit team on the issues relating to due diligence and risk assessments on the core area operations and credit.

• Exceptionally quick in review and preparation of monthly and yearly MIS and statutory reports, management reports on performances and Ad-hoc reports (this includes analysis of reject cases, analysis for different sectors of lending. etc.)

• Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
• Facilitated timely decision-making on loan applications through clear communication with internal stakeholders and prompt resolution of any queries or discrepancies.
• Solution-oriented banking professional capable to meet the dead lines in the fast pasted environment.
• Conducting an objective and thorough credit analysis of the financial condition and credit-worthiness of existing and new to bank borrowers using analysis of historical and projected financial statements, ratios, biographical data, market information, credit reports and other data;
• Experience includes formulating effective debt collection mechanisms, monitoring and controlling delinquency and credit loss, making modifications for improvising quality and service standards, managing and mitigating risks, managing & leading teams for running successful process operations, aligning processes with the client guidelines, managing customer relationships, developing procedures and service standards for business excellence.
• Managing the overall TAT.
• Co-coordinating with internal audit and statutory audit team on the issues relating to due diligence and risk assessments on the core area operations and credit.

• Maintained high-quality standards in all aspects of work, ensuring customer satisfaction at every touchpoint within the business journey.
• Collaborated with cross-functional teams to optimize overall business performance and achieve organizational objectives.
• Strengthened leadership skills by overseeing projects and guiding team members towards successful outcomes.
• Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
• Facilitated timely decision-making on loan applications through clear communication with internal stakeholders and prompt resolution of any queries or discrepancies.
• Conducting an objective and thorough credit analysis of the financial condition and credit-worthiness of existing and new to bank borrowers using analysis of historical and projected financial statements, ratios, biographical data, market information, credit reports and other data;