Kushagra Shrivastava
Summary
Results-driven banking professional with 7.5 years of experience in various capacities at Bank of Maharashtra. Strong expertise in client handling and acquisition, business growth, business strategy, financial statement analysis, and strategic planning. Worked as senior underwriter-secured and unsecured retail advances, mortgage loans. Also, worked in SME advances, monitoring including Working capital, term loans etc, credit analysis, credit monitoring, risk management (NPA), reconciliation, and internal/external audits. Adept at developing and executing strategic initiatives to drive organizational growth. Seeking challenging opportunities to leverage strategic thinking and drive business success.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Manager (Branch Head)
Bank of Maharashtra
01.2020 - Current
- Worked as senior underwriter-secured and unsecured retail advances, mortgage loans
- Also, worked in SME advances, monitoring including Working capital, term loans etc
- Coordinated internal and external audits, ensuring compliance with regulatory standards and implementing audit recommendations to improve operational efficiency
- Developed and implemented strategic initiatives resulting in a 113% increase in business of my branch client acquisition and retention
- Conducted comprehensive market research to identify emerging trends and opportunities, informing strategic decision-making
- Collaborated with senior management to define the bank's strategic vision and goals, aligning them with market dynamics and regulatory requirements
- Led cross-functional teams to develop and execute business strategies, driving revenue growth and market penetration
- Utilized financial statement analysis to identify areas for improvement, optimize risk management, and enhance profitability
- Fostered strong relationships with government officials, leveraging partnerships to drive the bank's strategic agenda
- Monitored industry and competitor developments to identify potential threats and proactively formulate counter-strategies
- Led the implementation of innovative digital banking solutions, enhancing customer experience and expanding market reach.
Manager (Credit)
Bank of Maharashtra
01.2019 - 01.2020
- Worked in processing and appraising commercial advances including working capital assessments, Term loan assessments, BGs, Project finance
- Complete compliance of the organization’s product and regulatory policies
- Was a part of 12 member successful team which always co-ordinated together and resolved difficult challenges.
Deputy Manager
Bank of Maharashtra
01.2017 - 01.2019
- Worked in general banking, client handling, Customer relationship management, Processing of retail credit, Mortgage loans, advances along with Cash management and in time reporting to the central Bank.
Education
Skills
- Credit Underwriting
- Business Strategy Development and Execution
- Strategic Planning and Analysis
- Client Handling and Acquisition
- Business Growth and Expansion
- Financial Statement Analysis
- Credit Analysis and Risk Management (NPA)
- Reconciliation
- Internal and External Audits
- Government Relations and Partnerships
- Digital Banking Solutions
- Problem Solving and Analytical Thinking
- MS Office (Word, Excel, PowerPoint)
- Programming Languages: Python, C
Certification
- Certified Capital Market Professional, National Stock Exchange of India
- Chartered Associate of Indian Institute of Bankers ,IIBF
Timeline
Manager (Branch Head)
Bank of Maharashtra
01.2020 - Current
Manager (Credit)
Bank of Maharashtra
01.2019 - 01.2020
Deputy Manager
Bank of Maharashtra
01.2017 - 01.2019