PANKAJ KUMAR BEHERA
Banker
Haldia
Summary
Dynamic banking professional with extensive experience at Canara Bank, excelling in risk management and team leadership. Proven track record of driving revenue growth and enhancing customer satisfaction through strategic initiatives. Adept at financial analysis and fostering strong stakeholder relationships, consistently achieving operational excellence and compliance. Expertise in CBS application and providing end to end support and solutions.
Overview
13
13
years of professional experience
Work History
Branch Head
Canara Bank
06.2024 - Current
- Cultivated relationships with key stakeholders to strengthen community engagement and drive business development.
- Increased branch revenue through implementation of effective sales strategies and robust customer relationship management.
- Achieved consistent growth in loan portfolio by delivering customized financial solutions aligned with client needs.
- Focused on high-ticket credit opportunities leveraging unique skills and subject matter expertise.
- Conducted large-scale camps in collaboration with district administration to promote business and raise investment awareness.
Auditor
Canara Bank
09.2021 - 05.2026
- Prepared detailed reports outlining audit findings and recommendations for management review.
- Collaborated with management to develop actionable strategies enhancing financial performance.
- Conducted risk-based internal audits of 25 branches across seven districts, ensuring compliance and internal control.
- Performed income leakage, KYC, and various specialized audits at multiple branches to assess operational integrity.
- Executed legal audits to identify flaws and mitigate risks, safeguarding branch interests from future disputes.
- Mentored branch officers on critical banking concepts, including AML compliance, credit analysis, book keeping and legal aspects of banking.
- Promoted a culture of compliance prioritizing regulatory adherence over business operations.
Credit Review and Monitoring Head
Canara Bank
10.2020 - 08.2021
- Oversaw credit monitoring for 70 branches as Section Head, enhancing operational efficiency.
- Analyzed credit risks and provided actionable observations to mitigate potential issues.
- Conducted various risk mitigation exercises including credit, legal, and stock audits.
- Ensured compliance of Corporate credit monitoring vide tools like PIPR, QOS, HOS etc.
- Developed recovery strategies for special mentioned accounts, improving collection rates.
- Facilitated meetings with credit monitoring officers to promote risk mitigation tools.
- Acted as liaison between branches and top management to address credit risk concerns.
Branch Head
Canara Bank
07.2017 - 09.2020
- Led branch operations to elevate customer service quality and satisfaction levels.
- Developed and executed strategic sales initiatives to boost product awareness and financial literacy.
- Managed team performance through targeted coaching and mentoring practices.
- Collaborated with block administration to conduct campaigns promoting financial inclusion and cybersecurity.
- Executed awareness campaigns highlighting government flagship programs.
- Facilitated comprehensive business management, enabling branch to achieve exponential growth and receive 'Best Branch' award for seven quarters.
Advance Officer
Canara Bank
07.2016 - 06.2017
- Streamlined customer service processes, enhancing client satisfaction through efficient service delivery.
- Mobilised credit through existing and walk in customers.
- Ensured complete analysis, book keeping and risk management before putting for perusal to sanctioning authority and subsequently maintaining appropriate documentation.
- Performed recovery of bad debts and following up of stressed assets via various methods and strategies.
- Working as assistant manager helped me shoulder all the responsibilities and paving the way to the manager before decision making.
Associate/SWO
Canara Bank
06.2013 - 06.2016
- Adapted quickly to new situations and demonstrated effective learning ability.
- Acquired extensive knowledge in AML, ethical banking, RAM, credit, and non-fund business.
- Mastered technicalities of core banking solutions and resolved related issues.
- Established partnerships with panchayats, block administration, and local government for flagship accounts.
- Developed leadership skills through extensive interactions with rural communities.
- Facilitated daily operations to ensure smooth collaboration among team members.
Education
Certified Bank Trainer -
Indian Institute of Banking And Finance
Certificate in International Banking -
Indian Institute of Banking And Finance
Composite Insurance Certification(IRDA) -
Indian Institute of Banking And Finance
Certified Associate of Indian Institute of Banking -
Indian Institute of Banking And Finance
IIBFBachelor of Science - Electrical Engineering
Konark Institute of Science And Technology
Jatni, Odisha09.2009
Skills
Expert in risk management
Excels in team leadership
Excellent communication skills
Customer and vendor relations
Financial analysis and planning
Security and safety protocols
Federal regulations and Regulatory compliance
Deductive reasoning
CBS expertise
End to End Accountability and Never give up attitude
Timeline
Branch Head
Canara Bank
06.2024 - Current
Auditor
Canara Bank
09.2021 - 05.2026
Credit Review and Monitoring Head
Canara Bank
10.2020 - 08.2021
Branch Head
Canara Bank
07.2017 - 09.2020
Advance Officer
Canara Bank
07.2016 - 06.2017
Associate/SWO
Canara Bank
06.2013 - 06.2016
Certified Bank Trainer -
Indian Institute of Banking And Finance
Certificate in International Banking -
Indian Institute of Banking And Finance
Composite Insurance Certification(IRDA) -
Indian Institute of Banking And Finance
Certified Associate of Indian Institute of Banking -
Indian Institute of Banking And Finance
Bachelor of Science - Electrical Engineering
Konark Institute of Science And Technology