GOPA RANI SHARMA
Silchar
Summary
Results-driven Assistant Manager with over three years of banking experience, specializing in branch operations and customer service. Expertise in loan processing and NPA recovery, with a strong focus on risk assessment and regulatory compliance to enhance operational efficiency. Currently oversees loan recovery at the Regional Office, successfully implementing strategic initiatives to minimize NPAs through effective borrower engagement and repayment negotiations. Proven ability to cultivate customer relationships while supporting financial stability and driving business growth.
Overview
7
7
years of professional experience
Work History
Assistant Manager – Recovery Department
Assam Gramin Vikash Bank, Regional Office
Silchar
05.2023 - Current
- Achieved the highest NPA reduction in the Silchar region for FY 2023-24, reducing Gross NPA from 19.32% (FY 2022-23) to 7.95%, positioning it as the best- performing region in NPA Reduction.
- Managed SARFAESI cases, including taking symbolic possession of mortgaged properties and handling legal proceedings
- Engaged in multiple Lok Adalat cases, contributing to the recovery of NPA accounts
- Oversaw Debt Recovery Tribunal (DRT) cases for high-value bad loans exceeding ₹20 lakh
- Led the review and regulation of major NPA accounts, ensuring compliance and strategic recovery planning
Assistant Manager (Credit and Recovery)
Assam Gramin Vikash Bank
Karimganj Road
04.2021 - 01.2023
- Managed all credit-related operations at the branch, with a strong emphasis on loan recovery, NPA management, and repayment negotiations
- Oversaw daily banking operations and customer interactions, ensuring efficient service delivery while actively driving loan recovery efforts
Junior Research Fellow
Assam University
Silchar
09.2017 - 07.2018
- Conducted research on ‘Identification, Characterization, and Expression Profiling of Drought Stress Responsive microRNAs in Coffea Arabica L.’ Project sponsored by the Science and Engineering Research Board (SERB), Department of Science and Technology, Government of India
- Performed in-depth data analysis and interpretation to extract meaningful insights and support research conclusions.
- Successfully contributed in Research Publication on topic " Role of mi-RNAs in Plant- microbe Interaction"- Springer Nature(Book Chapter,2017)
Education
M.Sc. - Biotechnology
Assam University
Silchar01-2017
B.Sc. - Biotechnology
Cotton College
Guwahati01-2015
Skills
- Banking Operations
- NPA Management
- Credit Management
- Customer Relationship Management
- Communication
- Negotiation
- Risk assessment
- Teamwork
- Leadership
- Problem solving
- Adaptability
- Technical proficiency
- Microsoft Office
- Banking Software
- Data analysis
- Performance monitoring
Timeline
Assistant Manager – Recovery Department
Assam Gramin Vikash Bank, Regional Office
05.2023 - Current
Assistant Manager (Credit and Recovery)
Assam Gramin Vikash Bank
04.2021 - 01.2023
Junior Research Fellow
Assam University
09.2017 - 07.2018
M.Sc. - Biotechnology
Assam University
B.Sc. - Biotechnology
Cotton College
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