NITIKA JAIN - Junior Relationship Executive

Summary

Results-driven Finance and Banking professional with over 12 years of progressive experience at Muthoot Finance Ltd. Expertise in branch operations, financial management, cash handling, and cross-selling financial products. Proven track record of streamlining accounting procedures, ensuring mathematical accuracy in financial data, and training incoming staff. Adept at driving business volume and enhancing customer retention through strong interpersonal communication and strategic problem-solving.

Overview

2

Languages

8

years of professional experience

Work History

Junior Relationship Executive

Muthoot Finance Ltd.

12.2013 - 05.2022

Manage end-to-end branch operations, overseeing secure cash handling, loan disbursements, and compliance with institutional accounting procedures.
Classify, record, and summarize complex numerical and financial data to maintain accurate financial records and ledger entries.
Execute rigorous checks on figures, postings, and documents to ensure mathematical accuracy, proper coding, and zero discrepancy.
Perform regular bank reconciliations, manage petty cash, and prepare invoices and account statements following established compliance protocols.
Drive profit maximization by executing targeted marketing strategies and cross-selling a diverse product portfolio, including Bonds, Gold Loans, Mutual Funds (M-Power), Money Transfers, and Life Insurance.
Conduct routine competitor and market trend analyses to identify shifting consumer preferences and expand the branch's market share.
Accelerate business recovery and long-term sustainability by managing client defaults and structured repayment plans.
Serve as the primary liaison between clients and internal groups, ensuring project goals, quality standards, and deadlines are consistently met.
Spearhead the onboarding process, training new hires to bring them up to peak productivity quickly.

Education

Master of Commerce (M.Com) - Financial Management

I.B. College

Kurukshetra

Bachelor of Commerce (B.Com) - Information Technology

KVA DAV College

Kurukshetra

Senior Secondary (Class XII) - undefined

Central Board of Secondary Education (CBSE)

Skills

Financial Operations: Cash Management, Loan Disbursement, General Ledger Entry, Bank Reconciliation, Petty Cash Management

Business Development: Cross-Selling (Bonds, Insurance, Gold Loans), Market Trend Analysis, Competitor Analysis, Client Relations

Interests

Badminton, Table Tennis, Music

Timeline