JALAJ KARAN
Gorakhpur
Summary
Finance professional with expertise in financial reporting, analysis, and management. Recognized for strong decision-making skills and ability to analyze complex data effectively. Proven track record of managing multiple projects under tight deadlines while delivering high-quality results.
Overview
9
9
years of professional experience
1
1
Certification
Work History
OA Department
Bank of Baroda
Gorakhpur, Uttar Pradesh
09.2025 - Current
- Managed opening, operation, review, monitoring, reconciliation, and provisioning of internal office accounts, ensuring compliance with procedures and approval matrices, tracking usage, and validating authorisation of all transactions.
- Reconciled internal office accounts periodically, generating aging statements and ensuring monthly account reconciliation to confirm accurate transaction records and identify discrepancies.
- Monitored internal office accounts and resolved discrepancies promptly.
- The department tracked the usage of internal office accounts to confirm adherence to the bank's policies. This involved ensuring that accounts were not misused and that all transactions received proper authorisation.
- Opening and Operating Accounts: The OA Department ensures that internal office accounts are opened with a predefined purpose and that the necessary approvals are obtained from the Corporate Accounts & Taxation Department. They also ensure that all parameters like System only flag, Cash Operation Flag, Intersol Flag, and Pointing are correctly marked in the system by the IT department.
Credit Officer
Bank of Baroda
Gorakhpur, Uttar Pradesh
04.2021 - 09.2025
- Currently posted in Bank's Branch at the designation of Credit Officer supervising and processing of Retail Lending, MSME Loans/Advances, Credit Monitoring, and other activities.
- Processed credit applications by reviewing documentation to ensure compliance with lending guidelines and facilitate timely approvals.
- Review and decision of pending applications.
- Ensuring all lending documents and processing prior to and after credit approval are compliant with the terms and conditions of approved proposals.
- Reviewed requests for credit limit increases and APR reductions, assessing customer eligibility and risk.
- Performed duties assigned by management to support team operations.
- Produce financial statements including profit and loss accounts, budgets, cash flows, monthly management accounts, variance analysis and commentaries.
- Prepare financial reporting and general ledger structure.
- Prepare financial statement: balance sheet, lost and profit report, etc.
- Prepared and recorded asset, liability, revenue, and expense entries by compiling and analysing account information to maintain accurate financial records.
Accountant
Bank of Baroda, Lead District Manager Office
Akbarpur, Ambedkarnagar, Uttar Pradesh
07.2017 - 09.2019
- Analysed cash deposit ratios and monitored assets and liabilities of bank branches on a quarterly basis, ensuring accurate financial reporting.
- Compile and organise monthly financial reports detailing income and expenditure.
- Ensure compliance with all financial regulations.
- Assists in preparation of Monthly/Quarterly/Half Yearly/Annual management report and accompanying schedules, worksheets, and narratives, including target achievement reports.
- Assist in the Preparation of the Annual Targets and Periodic forecasting.
- Created and implemented financial plans, including scale of finance, to align with organisational objectives.
- Capable of creating Balance sheets, Cash flow, Profit & Loss Statement, CMA, and other financial documents on MS Office Suite.
- Experience in using innovative technical solutions to drive efficiencies and solve problems.
- Commercial acumen and pragmatism.
- Effective communication skills, both verbal and written.
- Ability to build and sustain strong relationships with colleagues and lead firmwide teams of mixed grades and experience.
- Ability to manage and develop colleagues at all levels, providing support and training where necessary.
- Experience in understanding the business environment and the interconnectivity of projects, on a local and global level.
- Ability to apply knowledge from previous global experiences and share knowledge and insight.
- Followed up on bank-related complaints, ensuring timely resolution and customer satisfaction.
- Follow-up of complaints resolved by the Banks' Nodal Offices pertaining to their branches in the district.
Education
MBA - Finance
Manipal University Jaipur
Jaipur11-2025
Bachelor’s degree - Biology
Siddharth University
Siddharth Nagar, Uttar Pradesh, India05-2016
Skills
- Financial analysis
- Financial Skills
- Financial and data analysis
- Budget planning & forecasting
- Balance sheet analysis
- Financial reporting
- Credit analysis
- Data reconciliation
- Regulatory compliance
- Investment strategy
- Performance measurement
- Project management
- Project coordination
- Risk evaluation
- Strategic planning
- MS Office Suite
- Data Analysis
- Marketing
- Business acumen
- Cross-functional collaboration
- Team management
- Colleague development
- Team collaboration
- Deadline management
- Problem-solving
- Analytical and critical thinking
- Effective communication skills
- Communication skills
- Active listening
- Leadership
- Relationship building
Hobbies and Interests
- Exploring distant lands
- Getting lost in a delightful book
- Guitar Playing
- Feeling the music
- Chess
- Painting
Custom Section
All India Bankers Employee Association, 2017-01-01, Actively participating for the Rights of Bankers.
Languages
English
Proficient
C2
Hindi
Proficient
C2
Spanish
Elementary
A2
Certification
- MBA Finance certified
- Moody's Analytics Certificate in Commercial Credit
- Certificates in Accounting Analysis
Interests
- Exploring distant lands
- Guitar Playing ,
- Feeling the music ,
- Chess ,
- Painting
Timeline
OA Department
Bank of Baroda
09.2025 - Current
Credit Officer
Bank of Baroda
04.2021 - 09.2025
Accountant
Bank of Baroda, Lead District Manager Office
07.2017 - 09.2019
MBA - Finance
Manipal University Jaipur
Bachelor’s degree - Biology
Siddharth University