KUNWAR KARAN SINGH
BANKER
LUCKNOW,UTTAR PRADESH
Summary
Dynamic Officer at Punjab and Sind Bank (GOVERNMENT OF INDIA UNDERTAKING) with a proven track record of 9 years in enhancing branch visibility and profitability. Expert in banking operations and compliance, leveraging analytical skills to optimize customer solutions. Recognized for building strong community relationships and driving continuous improvements in service delivery. Results-driven Professional with expertise in loans and advances, customer service, and cash management, consistently achieving targets and ensuring seamless branch operations.
Overview
9
9
years of professional experience
3
3
years of post-secondary education
1
1
Certification
2
2
Languages
Work History
RETAIL BANKING/CROSS SELLING OFFICER
Punjab and Sind Bank
07.2024 - Current
- Mentored junior staff members, fostering an environment of professional growth and continuous improvement.
- Reduced wait times for clients by streamlining processes and implementing efficient task management techniques.
- Increased cross-selling opportunities by proactively identifying customer needs during interactions.
- Collaborated with team members to achieve monthly sales targets and improve overall branch performance.
- Managed daily cash transactions efficiently, ensuring accurate accounting records were maintained.
- Provided excellent customer service, building relationships with customers and resolving complaints and issues.
- Managed daily branch operations, ensuring compliance with bank policies and procedures.
- Led a team of staff, providing guidance and support to ensure excellent customer service.
- Maintained accurate cash records and reports, ensuring compliance with regulatory requirement.
- Managed smooth functioning branch ATM by ensuring timely cash loading,resolving technical faults if any.
NEW BRANCH OPENING TEAM MEMBER
Punjab and Sind Bank
03.2024 - 06.2024
- Played a key role as an In-charge in opening a new branch, managing project timelines, and resources.
- Set up branch operations, including procuring equipment and furniture, implementing bank policies and procedures, and ensuring compliance with regulatory requirements.
- Staffed and trained a new branch team, developing and implementing training programs to ensure excellent customer service.
- Promoted the new branch, developing marketing campaigns and materials, building relationships with local businesses and organizations, and attracting new customers.
- Ensured operational efficiency, implementing processes and procedures to minimize errors and maximize productivity.
BANK RURAL OFFICER
Punjab and Sind Bank
08.2022 - 02.2024
- Managed daily operations of a rural branch, ensuring compliance with bank policies and procedures.
Provided excellent customer service, building relationships with customers and resolving complaints and issues.
Developed new business opportunities, promoting bank products and services to local customers. - Promoted financial inclusion, providing financial services to underserved communities and implementing financial literacy programs.
Engaged with the local community, participating in events and initiatives and building relationships with local leaders and organizations.
Demonstrated strong problem-solving skills, resolving complex issues and managing branch operations. - Promoted and implemented Bank's Financial Inclusion program.
BANK LOAN/ADVANCES OFFICER
Punjab and Sind Bank
10.2018 - 07.2022
- Originated loans by evaluating creditworthiness, conducting financial analysis, and recommending loan approvals or denials
- Conducted thorough credit analysis, reviewing financial statements, credit reports, and collateral to assess credit risk.
- Managed loan portfolios, monitoring performance, identifying potential issues, and developing strategies to mitigate risk.
- Built and maintained strong relationships with customers, providing excellent service and identifying new business opportunities.
- Demonstrated strong risk management skills, ensuring compliance with regulatory requirements and maintaining accurate records.
- Consistently met or exceeded sales targets, contributing to the growth of the bank's loan portfolio.
BANK PROBATIONARY OFFICER
Punjab and Sind Bank
08.2016 - 09.2018
- Completed comprehensive training program in banking operations, customer service, and leadership skills.
- Gained hands-on experience in branch operations, including cash handling, customer service, account opening and transaction processing.
- Developed strong relationships with customers and colleagues, providing excellent customer service and support.
- Demonstrated adaptability and a willingness to learn, quickly absorbing new processes and systems.
- Met performance targets and received positive feedback from supervisors and customers.
Education
Bachelor of Science - PHYSICS,GEOLOGY
LUCKNOW UNIVERSITY
LUCKNOW ,UTTAR PRADESH,INDIA 06.2011 - 05.2014
Skills
Branch operations
Loans and Advances
Customer service
Compliance
Marketing and Sales
Cash management
Banking
Banking document preparation
Banking products knowledge
Consumer banking
Banking operations knowledge
Banking functions knowledge
Compliance, banking laws and regulations
Analytical and Critical Thinking
Decision-Making
Problem-Solving
Certification
Junior Associate of the Indian Institute of Bankers
Training Programs
- Orientation Training Program for probationary Officer
- Training Program on credit management ,Appraisal, NPA management and Recovery
- Customer Service Excellence and Soft Skills.
- Gold Appraisal and Jewellery valuation
- Online Training Program on Sales and marketing of bank products
- Online Capsule Program on Role of Branch Managers in B category branches with a special focus on Forex business.
Timeline
RETAIL BANKING/CROSS SELLING OFFICER
Punjab and Sind Bank
07.2024 - Current
NEW BRANCH OPENING TEAM MEMBER
Punjab and Sind Bank
03.2024 - 06.2024
BANK RURAL OFFICER
Punjab and Sind Bank
08.2022 - 02.2024
Junior Associate of the Indian Institute of Bankers
06-2022
BANK LOAN/ADVANCES OFFICER
Punjab and Sind Bank
10.2018 - 07.2022
BANK PROBATIONARY OFFICER
Punjab and Sind Bank
08.2016 - 09.2018
Bachelor of Science - PHYSICS,GEOLOGY
LUCKNOW UNIVERSITY
06.2011 - 05.2014