CHIRAG M S
MANGALORE
Summary
Results-driven banking professional with 2.5 years of experience as a Scale I Officer at Karnataka Bank, demonstrating expertise in retail banking operations, customer relationship management, credit appraisal, and regulatory compliance. Proven ability to manage day-to-day branch activities, handle high-value transactions, and contribute to business development through effective cross-selling of financial products. Adapt at maintaining high service standards, ensuring risk mitigation, and supporting digital banking initiatives. Strong interpersonal and problem-solving skills with a commitment to delivering customer-centric solutions in a fast-paced banking environment.
Overview
8
8
years of professional experience
Work History
Scale I Officer
Karnataka Bank
02.2023 - Current
- Handled savings, current, fixed deposit account opening and servicing while ensuring full KYC/AML compliance.
- Assisted in the preliminary credit appraisal of Deposit loans and overdraft on deposit.
- Actively promoted and cross-sold bank products such as mutual funds, insurance, and term deposits.
- Handled customer queries and grievances with efficiency, ensuring prompt resolution and customer satisfaction.
- Supported the branch in meeting deposit and advance targets by identifying and converting business opportunities.
- Maintained accurate records and ensured compliance with internal audit, regulatory, and operational guidelines.
- Facilitated seamless onboarding and training for new customers in digital banking products (Mobile/Net banking, UPI).
- Coordinated with the back office, regional office, and HO for reporting, approvals, and escalations.
- Assisted in recovery efforts of overdue accounts and maintained close follow-up with delinquent borrowers.
- Oversaw daily EOD/BOD processes, system validations, and ensured operational continuity and risk mitigation.
- Engaged with local communities and businesses to drive financial inclusion and expand the bank’s customer base.
- Key Achievement:
- Cleared IRDAI IC 38 Exam
- Played a pivotal role in improving the branch’s audit rating for [Previous Rating] to [Improve Rating] by strengthening compliance and documentation.
- Recognized by branch leadership for exceptional customer service, resulting in increased customer retention and referral business.
Assistant Professor
Srinivas University
11.2021 - 11.2022
- Delivered lectures and designed curriculum content for management subjects such as Principles of Management, Marketing, and Human Resource Management for B.Com and BBA programs.
- Mentored students in academic projects, seminars, and case studies, fostering critical thinking and practical application of management concepts.
- Key Achievement:
- Successfully coordinated department-level academic events and student development programs, enhancing industry exposure.
- Received consistently positive feedback from students and faculty peers for innovative teaching methods and student engagement.
Process Associate
Gallagher
04.2018 - 10.2018
- Processed insurance-related data including policy endorsements, renewals, and claim documentation with high accuracy and within defined SLAs.
- Coordinated with onshore teams to resolve discrepancies, clarify requirements, and ensure timely service delivery.
- Maintained compliance with internal quality standards and data security protocols across all client transactions.
- Initiated a guest speaker program to bring industry professionals into the classroom, providing students with real-world exposure.
- Key Achievement:
- Consistently achieved 98%+ quality scores and met all TAT targets over consecutive quarters.
- Received recognition from team leads for process improvement suggestions that helped reduce turnaround time by 10%.
Education
MBA - Finance & Marketing
Sahyadri College of Engineering and Management
01.2020
B.COM - undefined
St.Aloysius College
01.2017
PUC - undefined
St.Aloysius College
01.2014
SSLC - undefined
Shri Mahalingeshwara English Medium School
01.2012
Skills
- Problem-solving skills
- Meticulous attention to detail
- Investor relations
- Financial planning
- Operations management
- Sales proficiency
- Uncompromising work ethic
Languages
English (Fluent)
Kannada (Fluent)
Hindi (Fluent)
Tulu (Fluent)
Timeline
Scale I Officer
Karnataka Bank
02.2023 - Current
Assistant Professor
Srinivas University
11.2021 - 11.2022
Process Associate
Gallagher
04.2018 - 10.2018
B.COM - undefined
St.Aloysius College
PUC - undefined
St.Aloysius College
SSLC - undefined
Shri Mahalingeshwara English Medium School
MBA - Finance & Marketing
Sahyadri College of Engineering and Management