PANKAJ BANSAL
Jodhpur
Summary
- A Dynamic and Competent Professional with More than 10 years of experience in Banking and Finance, Client Relations, Business Development leadership.
- Awarded For long service Recognitions (more than 10 year) BY ICICI BANK LTD.
- More than 4-year work experience in Account & Finance, Auditing of various Entity.
- Domain knowledge in Audit & Compliance, Banking process, Credit Appraisal and Credit analysis, AML/KYC due diligence, Internal audit.
- Team handling more than 8 people In team Maximized profitability through strategic initiatives, optimizing operational costs, and driving revenue growth via product penetration and increasing the Market share.
- Ensured compliance with processes and adhered to audit parameters, maintaining the highest standards of regulatory compliance.
- Championed the adoption of Digital banking platforms, generating awareness among customers about online, phone, SMS, and application-based banking services.
- Contribution in project like automation of Loan Disbursement Process and CRM NE2T ,Virtual Relationship management (XRM), Power BI Tool, Branch Document register, i- Automation of Banking Audit process and KYC verification.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Senior Manager
ICICI BANK LTD
Jodhpur
04.2019 - Current
- Spearheaded Retail banking operations, including Management of liabilities, Assets And profitability.
- Credit Appraisal and Analysis of Financials and credit worthiness for business loans funding viz Term Loans, Cash Credit, Post and Pre-shipment Packing Credit, Buyers credit.
- Drafted and reviewed loan agreements, ensuring compliance with legal requirements and protecting bank interests Cultivated enduring relationships with high-net-worth individuals and corporate clients, ensuring long-term loyalty.
- Credit appraisal and Analysis of Customer’s profile and credit worthiness for Priority sector landing Viz KCC(Kisan Credit Card),Tractor Loans, Farm Equipment Loans, Funding to Self Help Group, Dairy Loans , Funding to Warehouses and commodities.
- Drafted and reviewed loan agreements, ensuring compliance with legal requirements and protecting bank interests.
- Continuously monitored customer accounts, credit submissions, tracked and engaged with clients to avoid delinquency
- Implemented rigorous internal checks and detailed customer profile reviews for informed credit decision-making. Customer engagements and to spread awareness of timely interest servicing to avoid delinquencies.
- To Handle End to End Loan process including credit appraisal, Sanctioning of proposal and disbursement of Loan by using various software’s like FINONE,APS, and FCRM.
Deputy Manager
ICICI BANK LTD
Jodhpur
04.2014 - 03.2019
- Monitor daily banking operations to ensure a free flow process and supervise the execution of daily tasks
- Monitor and review the effectiveness of the internal audit operations (daily, weekly, fortnightly, monthly basis)
- Exposure and understanding in the areas of internal audit operations, AML/KYC due diligence
- Monitor and review systemic adherence of AML, KYC, EDD compliance activities as per banking norms (daily, weekly, fortnightly, monthly basis)
- Checking various daily reports (Account opening kits, locker, and Audit SOLs for reconfirmation and implementing corrective measures
- Oversaw overall branch operations, customer service, and compliance goals, ensuring seamless functioning and exceptional service delivery
- Conducted customer meetings to understand customer concerns and enhance overall experience.
Accounts Officer
LIME LIGHT CORPORATION
Merta
- Monitoring books of accounts, periodical financial statements & P&L reports prepared in SAP & Excel
- Debtors management with preparation of monthly MIS reports & annual budget workings
- Ensuring compliance of statutory & regulatory requirements while accounting
- Analyzing and deciding on new initiatives to improve productivity
- Monthly checking and verification of salary sheets, bank reconciliation statements, and store records
- Preparation of financial statements timely and providing insights to management for decision making.
Education
Post Graduate Degree in Banking and Finance Support Service -
Manipal University
11.2014
CA Intermediate -
ICAI
11.2011
Bachelor of Commerce -
MDS AJMER
06.2011
Skills
- Credit Specialist
- Accounts & Finance
- Audit & Compliance
- Effective team leader
- Financial Analyst
- Client Relationship
- Risk Management
Certification
Manipal
- RS CIT Conducted by 2ardhman mahaveer open university kota
- Completed Compulsory Computer Training conducted
- NISM, IRDA certified
Personal Information
Date of Birth: 02/03/90
Languages
- ENGLISH
- Hindi
Hobbies and Interests
- Reading Books
- Hiking
- Driving
Timeline
Senior Manager
ICICI BANK LTD
04.2019 - Current
Deputy Manager
ICICI BANK LTD
04.2014 - 03.2019
Accounts Officer
LIME LIGHT CORPORATION
Post Graduate Degree in Banking and Finance Support Service -
Manipal University
CA Intermediate -
ICAI
Bachelor of Commerce -
MDS AJMER
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