Maria Rashmi Punitha
Bengaluru
Summary
Accomplished and goal oriented Banker with 13 years' experience in working for India's Leading Nationalized Bank. Experience in handling compliance's in Retail, Trade Finance and MSME Banking. Demonstrated exceptional skills in the area of Risk Management, Client Relationship Management and Leadership.keen in working on New age banking solutions.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Manager
Bank of Baroda
Mumbai
06.2024 - Current
- Identified potential business opportunities that require a structured approach, in collaboration with the corporate banking team.
- Evaluated project viability by assessing client requirements, financial aspects, and possible risks. Focused on TI and BISTP within the banking sector.
- Prepared BRD, RCSA, CISO, and PPAC notes for approval
- Oversee project execution, delegating tasks, monitoring progress, and mitigating potential risks.
- Performed UAT testing to replicate authentic user interaction with the software
- Identified glitches and usability issues that could hinder a positive user experience.
- Conducted assessments on software's UI to ensure clear communication, usability, and coherence
- Facilitated clear and effective correspondence between Bank of Baroda and NESL regarding eBG activities
- Oversaw successful completion of UAT testing for the Bank's Centralized Solvency Certificate Issuance
Joint Manager
Bank of Baroda
Bengaluru
05.2022 - 06.2024
- Managed customer queries and transactions concerning account opening, deposits, withdrawals, cash management services and typical banking operations
- Contributed to increasing awareness of a wide range of bank offerings among metro clientele such as wealth management products, investment plans, priority banking services, and secure storage options
- Diligently oversaw a portfolio of customer accounts, verifying compliance with KYC norms, AML guidelines, and promptly resolving any incomplete documentation or discrepancies.
- Achieved exceptional results by actively driving auto loan growth at both the Branch and Regional levels, consistently meeting or exceeding objectives.
- Sustained connections with dealers to foster continuous development of auto loan portfolio.
- Oversaw the management of a diverse clientele that consisted of IT, Non-IT, and Business professionals, offering comprehensive advice on auto loan income documents and streamlining their processing.
Branch Manager
Bank of Baroda
Bengaluru
07.2019 - 05.2022
- Evaluated the financial requirements of diverse groups including individuals, farmers, small businesses, MSME enterprises, and other stakeholders in rural areas.
- Conducted surveys, interacted with community leaders, and understood local economic activities.
- Increased adoption of Bank's products and services in the rural market through tailored promotions for savings accounts, microloans, Kisan Credit Cards (for farmers), government welfare schemes, and financial literacy initiatives.
- Facilitated financial inclusion for unbanked individuals by promoting accessible banking services.
- Managed daily branch operations to guarantee compliance with all banking regulations, KYC norms, AML guidelines, and internal policies
- Effectively managed cash flow, maintained liquidity, and ensured security of cash and valuables in branch
- Boosted employee morale through motivation, task delegation, and training opportunities resulting in outstanding customer service
- Appraised and sanctioned loan applications for a variety of clients including individuals, farmers, and small businesses while ensuring accuracy of documentation and evaluating creditworthiness
- Managed the monitoring of loans after disbursal, ensuring timely repayment tracking and proactive resolution of any potential defaults
- Worked closely with clients to develop strategies for overcoming repayment obstacles
- Achieved branch's financial targets for deposits, loans, and other key performance indicators (KPIs) set by Bank
- Managed the prompt and accurate submission of diverse reports to both the bank's regional/central offices and regulatory authorities, including the Reserve Bank of India (RBI).
- Cultivated partnerships with the bank, government agencies, and local communities to advance rural development initiatives through promotion of government-backed financial schemes.
- Actively participated in promoting financial literacy at various community events as a representative for Bank of Baroda.
Forex Officer
Bank of Baroda
Bengaluru
02.2016 - 07.2019
- Processed transactions accurately and efficiently within established timeframe
- Meticulously examined trade documents, including Letters of Credit (LCs), invoices, bills of lading, and insurance certificates for compliance with buyer-seller agreements and international trade regulations.
- Executed tasks involving trade finance products such as issuing Letters of Credit, handling collections and guarantees, and conducting foreign exchange transactions
- Maintained strict adherence to trade finance regulations and sanctions lists, minimizing the risk of money laundering and unlawful trading.
- Enabled seamless execution of fund transfers and trade finance transactions through the initiation of SWIFT-based processes.
Credit Offcer
Bank of Baroda
Bengaluru
08.2011 - 02.2016
- Analyzed financial statements and credit reports to assess the creditworthiness of borrowers.
- Conducted thorough evaluations of credit risk and loan applications to guarantee compliance with standards.
- Developed and integrated credit scoring system to optimize accuracy and efficiency in making credit decisions.
- Negotiated repayment terms with customers to minimize losses for delinquent loans
- Analyzed loan portfolios for trend identification and early detection of potential credit problems.
- Evaluating new credit products and services, providing research-based recommendations to enhance customer satisfaction
- Executed effective credit policies and procedures to adhere to legal requirements.
- Maintained proactive monitoring of customer accounts, addressing any potential credit problems
- Developed and maintained connections with clients, lenders, and financial institutions.
- Adhered to regulatory requirements including banking rules, KYC norms, AML guidelines for deposit accounts and Advances.
Education
PGDM - Finance, Banking And Insurance
Mount Carmel Institute of Management
Bengaluru03.2011
Bachelor of Commerce -
Mount Carmel College
Bengaluru04.2009
Skills
- Customer Satisfaction
- Risk Management
- Leadership
- Credit Risk
- Marketing Strategies
- Goal Oriented
- Adaptability
- Teamwork
- Trade Finance
- Operations
- Cash Management
- Negotiation
Certification
- JAIIB, Indian Institute of Bankers and Finance, 2013
- Certificate course in Foreign Exchange, Indian Institute of Bankers and Finance, 2018
- Certification in Commercial Credit, Moodys Analytics, 2022
Personal Information
Nationality: Indian
Languages
- Kannada
- Hindi
- English
- Tamil
Awards
- Was awarded the Employee of the Year for the FY 2023-24.
- Was awarded the Employee of the Year for the FY 2022-23.
- Was awarded the Performing Women Branch Head in the category of Overall Business Performance for the FY 2021-22
Languages
English
First Language
Hindi
Intermediate (B1)
B1
Kannada
Upper Intermediate (B2)
B2
Tamil
Upper Intermediate (B2)
B2
Timeline
Manager
Bank of Baroda
06.2024 - Current
Joint Manager
Bank of Baroda
05.2022 - 06.2024
Branch Manager
Bank of Baroda
07.2019 - 05.2022
Forex Officer
Bank of Baroda
02.2016 - 07.2019
Credit Offcer
Bank of Baroda
08.2011 - 02.2016
PGDM - Finance, Banking And Insurance
Mount Carmel Institute of Management
Bachelor of Commerce -
Mount Carmel College
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