Komal Goswami
Banking Operations Professional
Surat
Summary
Motivated finance professional with an MBA in Finance and Marketing and hands-on analytical experience as a credit analyst. Skilled in financial analysis, risk assessment, customer understanding, and data-driven decision-making. With added exposure to digital marketing and branding, I bring a mix of analytical thinking and clear communication. Seeking opportunities where I can combine my finance background, strategic mindset, and customer-focused approach to deliver value and support business growth.
Overview
3
3
Languages
4
4
Certifications
4
4
years of professional experience
Work History
Business banking consultant
Cosmos Co-operative Bank Ltd
Surat
03.2026 - Current
- Managed daily branch operations, ensuring compliance with RBI guidelines, KYC/AML norms, and internal banking policies.
- Processed account opening, customer onboarding, fund transfers, cheque clearing, remittances, and other banking transactions with accuracy.
- Delivered customer service by handling account maintenance, service requests, grievance resolution, and digital banking support.
- Supported business growth through deposit mobilization (CASA, FD, RD) and cross-selling of banking products and services.
- Prepared MIS reports, maintained operational records, coordinated with internal teams, and ensured audit readiness while minimizing operational risk.
Credit Analyst
Kumbhat Advisors Private Limited
06.2025 - 12.2025
- Analyzed credit reports to assess borrower risk and creditworthiness.
- Communicated with clients to gather the necessary documentation for credit assessments.
- Utilized financial modeling tools to forecast potential repayment scenarios for loans.
- Supported the team in maintaining accurate records of credit evaluations and decisions.
- Reviewed loan applications, credit reports, and financial statements to determine the customer's repayment capacity.
Finance Intern
Arcelor Mittal Nippon Steel India
04.2024 - 06.2024
- Gathered and analyzed financial data from cross-functional teams to support valuation and performance analysis.
- Built and documented financial models to enhance clarity and usability for non-finance stakeholders.
- Prepared comprehensive reports and executive summaries to provide actionable insights to senior management.
- Identified reporting challenges and implemented solutions to streamline data processes and improve workflow efficiency.
- Collaborated with IT and analytics teams to ensure accurate and consistent data integration, minimizing reporting errors.
Digital Marketing Intern
Idigitalpreneur Pvt Ltd
07.2022 - 09.2022
- Designed and implemented targeted engagement strategies to increase audience interaction, including polls, QCA sessions, and content tailored to client interests.
- Crafted compelling social media content and campaigns that aligned with client needs and preferences, resulting in higher interaction rates and a growing online community.
- Collaborated with clients to understand their brand goals, ensuring that all digital marketing efforts were aligned with their vision, thus enhancing client trust and satisfaction.
- Engaged proactively with clients on social media, promptly addressing inquiries and feedback to boost brand visibility and strengthen customer relationships.
- This strategic engagement led to 2 lakh in sales and earned an incentive of 60,000 to 70,000 for outstanding performance.
Education
MBA - Finance & Marketing (Minor)
Pandit Deendayal Energy University
Gandhinagar04-2025
Bachelor of Commerce - undefined
Veer Narmad South Gujarat University
Surat04-2022
Higher Secondary Certificate - undefined
Kendriya Vidyalaya No 1 Ichhanath
Surat04-2019
Secondary School Certificate - undefined
Kendriya Vidyalaya NO 3 ONGC
Surat06-2018
Skills
Communication
Problem Solving
Negotiation
Digital Marketing
Branding
Certification
Power BI - Great Learning
Personal Information
Date of birth: 11/09/01
Interests
Photography & Editing
Travelling
Singing
Accomplishments
- 1st prize in Elite Cricket Challenge (Intercollege Level).
- Participated in various college events like poster competition and poem recitation competition on university level.
Co/Extra-curricular Activities
Member of Sports Committee at PDEU. Been part of event execution team and digital team of HR conclave of SOM, PDEU, 2023. Volunteered in organizing the Energy Cup 2023, overseeing multiple sports events and coordinating with corporates teams.
Timeline
Business banking consultant
Cosmos Co-operative Bank Ltd
03.2026 - Current
Credit Analyst
Kumbhat Advisors Private Limited
06.2025 - 12.2025
Finance Intern
Arcelor Mittal Nippon Steel India
04.2024 - 06.2024
Digital Marketing Intern
Idigitalpreneur Pvt Ltd
07.2022 - 09.2022
Secondary School Certificate - undefined
Kendriya Vidyalaya NO 3 ONGC
Higher Secondary Certificate - undefined
Kendriya Vidyalaya No 1 Ichhanath
Bachelor of Commerce - undefined
Veer Narmad South Gujarat University
MBA - Finance & Marketing (Minor)
Pandit Deendayal Energy University