Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Languages
Banking Software Expertise
Timeline
Generic

KARTIK SONI

Alwar

Summary

Accomplished banking professional with 7 years of experience in India's public sector banking industry, currently serving as Senior Manager at Canara Bank. Specializing in Retail and MSME credit administration with advanced expertise in Oracle Flex cube Banking Software. Proven track record in branch operations, loan processing projects and delivering exceptional customer service. Recognized for high audit performance, regulatory compliance and award-winning vehicle loan portfolio management. Seeking a challenging corporate finance, operations, or credit role in the private sector to leverage these strengths.

Overview

7
7
years of professional experience
1
1
Certification

Work History

Senior Manager

Canara Bank
04.2025 - Current
  • Leading day to day branch operations, ensuring compliance with internal and regulatory guidelines
  • Supervising a team of 7 staff members including mentoring and performance monitoring
  • Handling retail and MSME loan proposals, including appraisal documentation and disbursement
  • Managing branch credit portfolio with focus on quality growth and timely recovery
  • Driving business development in liabilities and asset products especially vehicle and gold loans
  • Analyzing MIS reports using power BI and SAP BO for business insights and decision making
  • Ensuring timely resolution of customer grievances and maintaining high service standard
  • Coordinating with audit teams , independently handled internal audits with Low Risk Ratings
  • Monitoring NPA accounts and recovery through legal and follow up mechanisms
  • Ensuring adherence to KYC , AML and compliance norms across customer accounts
  • Boosted team member productivity by enhancing performance monitoring and instituting motivational approaches.

Manager

Canara Bank
04.2022 - 03.2025
  • Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
  • Handled a team of 5 to achieve business targets including Loans/Casa/NPA Management.
  • Increased efficiency and drove branch revenue by optimizing daily operations.
  • Designed sales and service strategies to improve revenue and retention.
  • Educated customers on variety of loan products and available credit options to promote valuable decision-making.
  • Boosted customer base, acquiring new customers and identifying needs to deliver relevant products.
  • Established budgets and strategic business plans for daily operations.
  • Led banking tasks, business administration and financial decision-making to ensure first-class client services.
  • Provided first-rate customer service by identifying and addressing customer concerns and inquiries.
  • Created sales action plans to consistently meet employee retention, profit, customer experience and lending goals.
  • Appraised MSME and Retail Loan proposals.
  • Handled Foreign exchange transactions within the branch.
  • Directed team members in authorizing loans and opening checking and savings accounts.

Assistant Manager

Canara Bank
07.2018 - 03.2022
  • Processed and monitored MSME and retail credit proposals including vehicle, education and personal loans.
  • Managed foreign exchange operations at Anand Branch namely Bank Guarantee/Letter of Credit issuance and export bill collection and payment realizations
  • Recommended approval or disapproval of different loan types based on established criteria as per bank and RBI Guidelines.
  • Assisted in branch operations including account opening, cash handling and customer servicing.
  • Followed banking requirements and government lending regulations.
  • Analyzed and prepared existing borrower reports and reviews to track repayments and compliance with loan agreements.
  • Examined collateral to establish market value and assessed repayment capacity using secondary revenue sources before loan approval.
  • Appraisal of MSME Credit Loans. Working capital sanction analysis using MPBF and Turnover Methods of Lending.
  • Balance Sheet Analysis.
  • Conducted investigations and in-depth evaluations of customers for creditworthiness and potential risk factors.
  • Collected debt information about clients by contacting banks, credit services and credit bureaus to determine meeting financial obligations.
  • Reviewed accounts for signs of fraud and non-payment issues.
  • Contacted customers to notify of delinquent payments and resolve.
  • Developed and maintained relationships with customers and assisted in generating sales opportunities.
  • Created and maintained large client base by meeting needs and delivering exceptional customer service.
  • Maintained fast-paced schedule by consistently providing satisfactory application approval turnaround times.
  • Supported loan officiant and underwriter teams by ensuring timely, judicious and accurate loan processing.
  • Evaluated financial statements.

Education

Bachelor of Technology - Mechanical Engineering

Institute of Engineering And Technology
Alwar, Rajasthan
08.2016

Skills

  • Core Banking Systems (Oracle Flex cube)
  • Data analysis (Power BI, SAP BO)
  • Microsoft Office Suite (Excel, Word, Powerpoint)
  • Risk management
  • Audit and Compliance Handling
  • Branch operations and leadership
  • Customer relationship management
  • Staff supervision
  • Retail and MSME Credit Processing and Analysis
  • Working capital Appraisal
  • Term Loan Appraisal
  • Cost analysis
  • Budget analysis
  • Financial administration
  • Key performance indicators
  • Financial paperwork review
  • Loan Origination
  • Underwriting
  • Ratio Calculations
  • Mortgage Banking
  • Mortgage Analysis
  • Document processing
  • Quality Assurance
  • Credit analysis
  • Information verification
  • KYC and AML Screening
  • Loan Appraisal

Accomplishments

  • Grew branch size from Rs.23 Cr to Rs.55 Cr in 3 years
  • Expanded retail loan book significantly especially in vehicle and gold loans
  • Led a team of 7 maintained ,high staff productivity and compliance
  • Branch won "Best branch under Vehicle loan portfolio" 3 times
  • Handles internal audits independently; branch rated as "Low Risk" Twice

Certification

  • JAIIB (Junior Associate of the Indian Institute of Bankers) by IIBF
  • CAIIB (Certified Associate of the Indian Institute of Bankers) by IIBF
  • AML and KYC Compliance in Banks by IIBF

Languages

English
Hindi

Banking Software Expertise

  • Oracle Flexcube 11.1 (FCR)
  • S and P Business Objects Reports
  • Oracle Flexcube Corporate (FCC)
  • Microsoft Office Word
  • Microsoft Office Excel

Timeline

Senior Manager

Canara Bank
04.2025 - Current

Manager

Canara Bank
04.2022 - 03.2025

Assistant Manager

Canara Bank
07.2018 - 03.2022

Bachelor of Technology - Mechanical Engineering

Institute of Engineering And Technology

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