PRACHI MARKANDEY
BHOPAL
Summary
Seasoned Banking Professional with 7 years of experience at South Indian Bank, including 2 years as Assistant Manager at the Regional Office, excelling in banking operations, inspection, and regulatory compliance. Skilled in supporting branches with retail and MSME loan processing, pre- and post-disbursement compliance, and evaluating branch requests for ROI reduction and processing fee waivers by analyzing probability, customer profiles, CIBIL scores, and income. Driven to enhance operational efficiency and customer trust, aiming to contribute strategic leadership as a Circle Based Officer at SBI.
Overview
6
6
years of professional experience
Work History
Assistant Manager
South Indian Bank, Ahmedabad Regional Office
Ahmedabad
04.2023 - Current
- Managed banking operations vertical, ensuring seamless execution of daily tasks.
- Facilitated branch operations through effective support in operational tasks.
- Assisted the branch in streamlining retail loan processing through dedicated support.
- Provided comprehensive support to the branch for ensuring compliance with pre and post-disbursement conditions.
- Handled branch requests for ROI reduction and PF waiver, facilitating efficient resolution and supporting business goals.
- Provided assistance to branches in identifying and correcting inspection issues.
- Performed branch audits to maintain compliance with gold loan, cash, and KYC policy requirements.
- Handled AML alerts, safeguarding against potential financial discrepancies.
Customer Service Executive
South Indian Bank
Indore
01.2019 - 03.2023
- Executed cashier duties by managing transactions and providing excellent service to enhance customer experience.
- Processed and cleared transactions efficiently, ensuring accuracy and compliance with banking protocols.
- Facilitated seamless account opening processes, ensuring compliance with banking regulations.
- Promoted bank products to customers, driving awareness and engagement with financial services.
- Processed credit and forex transactions efficiently, ensuring compliance with financial regulations.
- Processed retail loan applications, including housing, mortgage, vehicle, and education loans, ensuring compliance with the Bank's policy.
- Ensured compliance with banking regulations and operational standards to maintain seamless service delivery.
Education
Master of Commerce -
Barkatullah Vishwavidyalaya
Bhopal08-2021
JAIIB -
IIBF
03-2021
Bachelor of Commerce -
The Bhopal School of Social Sciences
Bhopal07-2018
HSC - Commerce
Maharishi Vidya Mandir
Ratanpur, Bhopal05-2015
SSC -
Maharishi Vidya Mandir
Ratanpur, Bhopal05-2013
Skills
- Banking Operations (KYC, AML, Loan Processing)
- Digital banking (UPI, NEFT, RTGS, core banking solutions)
- Financial Analysis & Risk Management
- NPA management and recovery strategies
- RBI Guidelines & Compliance
- Computer Proficiency (MS Office, Finacle)
- Cyber Security Awareness
- Database Management Basics
- Team Leadership & Supervision
- Customer Relationship Management
- Effective Communication (Verbal & Written)
- Conflict Resolution & Problem-Solving
- Time Management & Prioritization
- Decision-Making Under Pressure
- Adaptability to Changing Banking Environments
Languages
Hindi
First Language
English
Proficient (C2)
C2
Timeline
Assistant Manager
South Indian Bank, Ahmedabad Regional Office
04.2023 - Current
Customer Service Executive
South Indian Bank
01.2019 - 03.2023
Master of Commerce -
Barkatullah Vishwavidyalaya
JAIIB -
IIBF
Bachelor of Commerce -
The Bhopal School of Social Sciences
HSC - Commerce
Maharishi Vidya Mandir
SSC -
Maharishi Vidya Mandir
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