Kanika Tiwari
Bangalore,India
Summary
Results-driven, team-oriented Banking Manager with over 13 years of experience in Retail lending (Specialization in Mortgage Loans, vehicle loan, Personal loans and other retail products) starting from Credit Risk Assessment, Loan Underwriting, Loan Documentation, Disbursal and credit monitoring along with ample experience in Branch Banking, Forex transactions, Customer relationship management and Cross selling of Banking Products. Recognized for outstanding contributions to digital banking and customer service excellence.
Overview
15
15
years of professional experience
2008
2008
years of post-secondary education
Work History
Manager
Bank of Baroda
Bangalore
08.2024 - 11.2024
- Currently overseeing Credit monitoring for the region
- Conducting Regular assessment of loan portfolio to identify early warning signals and mitigate risks
- Collaborating with Branches to enhance asset quality and collection efficiency
- Providing actionable insights to senior management on loan performance and credit quality
Manager
Bank of Baroda
Bangalore
05.2018 - 11.2024
- Responsible for managing of Structured (Retail) products of the Bank at Regional Level
- The Region includes 49 branches
- Increase the Digital Lending (Asset) of the region by 223%
- Responsible for Marketing Retail loan proposals and Compliances at Regional Level and Branch Level
- Acquiring New to Bank customers for Corporate accounts, Structured (Retail) products and CASA deposits
- Further Managing portfolio of clients and emphasis on fostering and deepening relationships with customers
- Handling Customer grievance for quick resolutions
- Ensuring all parameters related to policies and procedures are in place while on-boarding
- Referring Customer for Cross sell of other Banking products
- Worked on Customer Relationship Management, Operations, loan processing, Documentation, Compliances and Recovery of Loans at Branch Level
Officer
Bank of Baroda
Mumbai
07.2014 - 04.2018
- Processing Officer for Retail Proposals to be sanctioned at Zonal Office Level
- Passing and Cash Payments of all cheques
- Canvassing loan business from Dealers and Realtors
- Sourcing of Housing projects and Auto Dealers for Tie Ups
Associate
Bank of Baroda
Ahmedabad
07.2009 - 06.2014
- Deal with customer-related problems and helps with the resource structure of the Bank
- Public Dealing and Customer Relationship
Education
Bachelor of Science -
Shivaji College, Delhi University
Skills
- Problem Solving
- Strategic Planning
- Decision Making
- Negotiation
- Team Management
- Operational support
- Customer relationship building
- Financial risk analysis
- Leadership skills
- Strategic planning
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Achievements and Certifications
- Bank of Baroda Champion of the month, 08/01/22, In Digital Personal Loans for achieving 223% of target.
- Certificate in Commercial Credit, 02/01/21, Moody’s Analytics.
- Certified Associate of Indian Institute of Bankers, 07/01/14, From Indian Institute of Banking & Finance (IIBF).
- Certification in Trade Finance, 08/01/13, From IIBF.
- Customer Service & Banking Codes and Standard, 02/01/14, From IIBF.
- Junior Associate of Indian Institute of Bankers (JAIIB), 07/01/12, From IIBF.
Languages
English
Fluent
Hindi
Native
Timeline
Manager
Bank of Baroda
08.2024 - 11.2024
Manager
Bank of Baroda
05.2018 - 11.2024
Officer
Bank of Baroda
07.2014 - 04.2018
Associate
Bank of Baroda
07.2009 - 06.2014
Bachelor of Science -
Shivaji College, Delhi University
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