MANISH MISHRA
FARIDABAD,TG
Summary
Proactive and meticulous Manager with over 8 years of experience in Banking industry. Proficiencies in inventory control, sales, staff training and development. Customer-oriented team player with expertise generating optimal satisfaction levels while building profits and client generation.
Overview
9
9
years of professional experience
2
2
Certification
Work History
MANAGER
PUNJAB NATIONAL BANK
FARIDABAD
04.2021 - Current
- Demonstrated strong organizational and time management skills while managing multiple projects.
- Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
- Demonstrated leadership skills in managing projects from concept to completion.
- Exercised leadership capabilities by successfully motivating and inspiring others.
- Developed and maintained courteous and effective working relationships.
- Applied effective time management techniques to meet tight deadlines.
- Adaptable and proficient in learning new concepts quickly and efficiently.
- Demonstrated a high level of initiative and creativity while tackling difficult tasks.
- Skilled at working independently and collaboratively in a team environment.
- Gained extensive knowledge in data entry, analysis and reporting.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Evaluated complex customer profiles using financial statements, credit reports, and industry data to make informed lending decisions.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Developed strategic plans for day-to-day financial operations.
- Mentored junior team members in credit management best practices to enhance overall department performance.
- Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
- Conducted financial due diligence on potential investments and acquisitions.
- Established internal audit procedures to validate and improve accuracy of financial reporting.
- Streamlined processes for early identification of potential credit system and monitoring problems.
- Maintained accurate records of all customer interactions, ensuring transparency in reporting and easy access for future reference or legal purposes if necessary.
OFFICER
PUNJAB NATIONAL BANK
BURDWAN
05.2018 - 03.2021
- Contributed to risk management initiatives by identifying potential issues within loan portfolios and recommending appropriate action plans.
- Improved company''s recovery rate by efficiently managing a portfolio of overdue loans.
- Reduced account delinquency rates by promptly addressing early-stage delinquencies through proactive outreach efforts.
- Located customers with overdue accounts and solicited payment in compliance with fair debt collection practices.
- Contacted customers to discuss past-due accounts and negotiated payment plans.
- Trained new team members on best practices in collections and recovery, contributing to their professional development and success within the department.
- Prepared and submitted legal documents to initiate court proceedings.
- Prevented impending loss and increased profitability by enforcing scheduled collection campaigns, consistently achieving targeted recovery rate.
- Processed applications for new accounts.
- Handled ATM service maintenance and disputes.
- Generated monthly reports on customer activity and customer feedback.
- Educated customers on online banking and mobile banking applications.
- Maintained confidentiality of bank's customers and adhered to all regulatory requirements.
- Trained new hires on customer service policies and procedures.
Single Window Operator
PUNJAB NATIONAL BANK
Kolar, India
07.2015 - 04.2018
- Cross-sold credit cards, loans and other bank products.
- Served as primary point of contact for customers, providing assistance with account maintenance and transactions.
- Assisted with training of new tellers on policies and procedures.
- Followed up on customer complaints and provided solutions to enhance customer satisfaction.
- Maintained friendly and professional customer interactions.
- Processed applications for new accounts.
- Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
- Educated customers on use of banking website and mobile apps.
- Promoted banking products and services to meet individual customer needs effectively.
Education
MBA - BANKING AND FINANCE
SYMBIOSIS CENTRE OF DISTANCE LEARNING
PUNE12.2023
Bachelor of Technology - Mechanical Engineering
MAHARISHI MARKANDESHWAR ENGINEERING COLLEGE
Ambala, India06.2012
No Degree - SCIENCE
KENDRIYA VIDYALAYA NASIK ROAD CAMP
NASIK05.2008
No Degree - ALL SUBJECTS
KENDRIYA VIDYALAYA NASIK ROAD CAMP
NASIK05.2006
Skills
- Key Performance Indicators
- Decision-Making
- Expense Tracking
- Documentation And Reporting
- Complex Problem-Solving
- Performance reviewing
- Operations Management
- Financial Management
- Performance Tracking and Evaluation
- Work Planning and Prioritization
- Staff Training
- Lead Generation
Certification
- Junior Associate of Indian Institute of Bankers by Indian Institute of Banking and Finance
- Certified Associate of Indian Institute of Bankers by Indian Institute of Banking and Finance
- Anti Money Laundering and Know your customer by Indian Institute of Banking and Finance
Timeline
MANAGER
PUNJAB NATIONAL BANK
04.2021 - Current
OFFICER
PUNJAB NATIONAL BANK
05.2018 - 03.2021
Single Window Operator
PUNJAB NATIONAL BANK
07.2015 - 04.2018
MBA - BANKING AND FINANCE
SYMBIOSIS CENTRE OF DISTANCE LEARNING
Bachelor of Technology - Mechanical Engineering
MAHARISHI MARKANDESHWAR ENGINEERING COLLEGE
No Degree - SCIENCE
KENDRIYA VIDYALAYA NASIK ROAD CAMP
No Degree - ALL SUBJECTS
KENDRIYA VIDYALAYA NASIK ROAD CAMP