Juhee Gupta

01/2014 - Current

Career Journey:

· Probationary Officer : Halwani Main Branch 2014-2015

· Joint Manager: Ranikhet Branch 2015-2016

· Branch Manager: Ranikhet Branch 2016-2018

· Credit Manager: Bhatinda Main Branch 2018-2023

· Joint Manager: Hyderabad 2023 -till date

Key Expertise Areas:

Operations Management:

As a retail segment banker at Bank of Baroda, my operation management involves overseeing day-to-day activities related to customer transactions, account maintenance,CASA maintenance, Fixed Deposit and term deposits opening and maintenance, credit card, POS and other activities like new accounts opening and ensuring compliance with regulatory requirements. I implement efficient processes to enhance customer satisfaction and streamline operations for effective service delivery.

Risk / Compliance Management:

Ensured managing of risk and compliance by proactively identifying potential risks associated with customer transactions, ensuring adherence to internal policies and regulatory guidelines, and implementing measures to mitigate any potential compliance issues. This involves conducting regular audits, providing staff training on compliance procedures, and staying updated on industry regulations to maintain a secure and compliant banking environment.

KYC and AML:

Ensured Know Your Customer (KYC) and Anti-Money Laundering (AML) procedures. This involves verifying the identity of customers, assessing their risk profiles, and monitoring their transactions to detect and prevent any suspicious activity that may indicate money laundering or other illicit financial activities. By diligently implementing KYC and AML protocols, I ensure regulatory compliance and uphold the integrity of the bank's operations.

Key Result areas

Timely review of customer documents and evaluation of high risk accounts scrutinized 100% of the branch portfolio.
 Sanction and disbursal of loans as per the specified TAT.
 Thorough knowledge of loan documentation and loan processing.
 Sanctioned Mortgage and Home loans ticket size 1 Rs Cr
 Outperformed company average in achieving loan-processing turn-around time of 7 days or less
 Provided expedient service cited as key to consistently high customer satisfaction and a 10% increase in referrals in 2022.
 100% Compliance with internal and external policies and procedures which lead to mapping our branch from high risk to low risk.
 Maintained 100% NPA free loans portfolio
 Monitoring team performance in case of TAT and work output
 Issuing Sanction letters to various clients from retail loans and MSME
 Following up with customers for making payments on due date
 Co ordinating with the software development team in explaining the process flow of transaction and provide necessary flow chart for the new improvements required in the payment
 Attending Customer escalations and giving the output
 Submission of daily performance report
 Maintaining excellent relations with existing customers; developing & structuring relations with new customers including assessing new credit requests and presenting them for approval
 Working as a part of the initial team; facilitating the process of setting-up the transaction banking function of the bank
 Resolving queries and clarifications related to RBI inspections and internal audits
 Ensuring the efficient and high quality services are provided to customers within the agreed compliance and regulatory norms (RBI, FEMA, AML guidelines and KYC norms)
 Key People Leader, who has successfully led and motivated team towards growth and success in the organization; created a clear & compelling view of future through coaching and execution; extensively coordinated with multi-cultural & global teams for smooth functions
 Ensured compliance and guidelines of RBI in maintaining KYC of the new and existing customers, thereby measuring the risk categorization of the customer.