Pooja Kulkarni
Banking Professional
Ahilyanagar
Summary
Dedicated Banking Professional with 12+ years of experience in relationship management and strategic portfolio growth. Proven track record in delivering tailored financial solutions and maintaining exceptional levels of client satisfaction through deep industry knowledge.
Overview
12
12
years of professional experience
3
3
Languages
Work History
Manager
Saraswat Cooperative Bank
Ahilyanagar
09.2025 - Current
- Relationship Management: Currently managing Business Banking Loans and acquiring new clients while overseeing the portfolios of ERV (Existing Relationship Value) customers.
- End-to-End Credit Processing: Manage the complete credit application lifecycle, from initial login to final disbursement.
- Risk Mitigation: Coordinate with legal, technical, FI, and Risk Containment Unit (RCU) agencies to ensure thorough file processing.
- Portfolio Health: Maintain portfolio quality and optimize sales by adhering strictly to credit policies to minimize bad debt losses.
Manager – I
ICICI Bank Ltd.
Ahilyanagar
10.2013 - 08.2025
- Relationship Manager – Business Banking Loans (June 2021 – Aug 2025)- at Ahilyanagar : Achieved branch targets through the cross-selling of third-party products and advances. Contributed to software update initiatives to improve system efficiency for various products. Managed regional MIS databases to ensure data integrity.
- Branch Credit Manager (Oct 2019 – May 2021) at Indore: Directed the credit application process and managed post-disbursement documentation for partly disbursed cases.
- Operations Handling Officer – RPC (June 2016 – Sept 2019) at Pune : Enforced KYC and AML standards for account activation using Maker/Checker processes. Handled Re-KYC updates, UID linkages, and store management for Clearing activities. Maintained MIS for Savings, Current, Government, and Demat accounts.
- Customer Service Officer (Oct 2013 – May 2016) at Sendhwa: Managed daily branch operations including Cash, Clearing, CMS, and customer query resolution. Served as a Dual Custodian for all security items and managed branch audits and compliance.
- Key Achievements: Top Relationship Manager: Recognized as a Top RM in February 2023 and September 2022 for excellence in core business loan lending. Value Banker Awards: Facilitated as a 'Value Banker' for three consecutive years (March 2014, 2015, and 2016).
Education
MBA - Banking
Sikkim Manipal University
Sikkim01.2020
B.Com -
Devi Ahilya Vishwavidyalaya
INDORE01.2013
H.Sc. -
Maharishi Vidya Mandir, Indore (CBSE)
INDORE01.2010
S.Sc. -
Maharishi Vidya Mandir, Bhopal (CBSE)
BHOPAL01.2008
Skills
Finacle
I-Core 10X
Retail FCRM
Omni Flow
Techni-FI
Unicore
C-Mart
Credit processing
Account Servicing
Accomplishments
- Top Relationship Manager, 2023-02-01, Recognized as a Top RM for excellence in core business loan lending.
- Value Banker Awards for 2014,2015 and 2016
- Managed a portfolio valued at 1200Mn
- Achieved 30%growth in business loans within one year
- Successfully retained and grew 90%+ of the business banking portfolio for over 4 years
Personal Information
- Date of Birth: 30/10/1992
- Marital Status: Married
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Languages
Hindi
Marathi
English
A1
Timeline
Manager
Saraswat Cooperative Bank
09.2025 - Current
Manager – I
ICICI Bank Ltd.
10.2013 - 08.2025
MBA - Banking
Sikkim Manipal University
B.Com -
Devi Ahilya Vishwavidyalaya
H.Sc. -
Maharishi Vidya Mandir, Indore (CBSE)
S.Sc. -
Maharishi Vidya Mandir, Bhopal (CBSE)