Priyanka Kulkarni
Banking
Pune
Summary
Dynamic professional with a proven track record at South Indian Bank, enhancing customer satisfaction and streamlining operations. Skilled in financial management and adept at communication, I've significantly reduced processing errors and improved risk management. Specialized in operations management and negotiation, my approach has consistently driven positive outcomes and customer loyalty.
Overview
10
10
years of professional experience
Work History
Assistant Manager
South Indian Bank
Pune
02.2024 - Current
- Supervised day-to-day operations to meet performance, quality and service expectations.
- Improved risk management with diligent monitoring of financial transactions for potential fraud or suspicious activity.
- Enhanced customer satisfaction by efficiently processing transactions and addressing inquiries.
- Assisted with daily cash and ATM balancing.
- Ensuring compliance with all regulatory requirements through diligent review of internal policies and protocols.
- Monitoring loan renewals, overdue reports, tracking of probable NPA accounts, handling SMA accounts and maintaining all loan accounts track
- Also served as Gold loan officer and cash officer as required .
- Processing of Retail loans and resolving queries raised by credit officer. Ensuring pre disbursement and post disbursement compliance
- Handled foreign Inward and outward remittances for the customers.
Asset Desk Manager
South Indian Bank
Pune
07.2021 - 01.2023
- Enhanced customer satisfaction by providing personalized loan solutions tailored to individual needs.
- Handled retail loan processing as Housing loan, Mortgage Loan ,vehicle loans and Personal loans.
- Analyzed applicants'' financial profiles to identify suitable loan programs based on their needs and qualifications.
- Streamlined the loan application process for improved efficiency and faster approvals.
- Collaborated with underwriters and processors for timely loan closings, ensuring a positive borrower experience.
- Reduced processing errors significantly by implementing more stringent quality control measures during document review.
- Negotiated favorable terms on behalf of borrowers while maintaining adherence to lender guidelines and requirements.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Collaborated with other departments to promptly process loan applications.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Analyzed applicants'' credit histories, income levels, and other factors to determine qualification status accurately based on lender requirements.
- Maintained excellent communication with clients throughout the loan process, addressing concerns and answering questions promptly.
Clerk
South Indian Bank
Pune
09.2014 - 04.2019
- Improved customer satisfaction by resolving complaints and inquiries promptly.
- Enhanced customer satisfaction by efficiently processing transactions and addressing inquiries
- Supervised day-to-day operations to meet performance, quality.
- Analyzed customer profiles to identify appropriate products and provide value-added approaches to client issues.
- Played a critical role in diligent record-keeping practices.
- Enhanced customer satisfaction by efficiently processing transactions and addressing inquiries.
- Contributed in clearing operations,Accounting openings and daily over the counter transactions
- Enhanced bank operations by maintaining up-to-date knowledge of banking procedures and regulations.
- Contributed to branch growth with exceptional cross-selling of bank products and services.
Education
Master Of Computer Applications - Computer Engineering
Maeers MIT Som
Pune01.2014
BCA - Computer Applications
Bharati Vidyapeeth Deemed University
Kolhapur01.2011
Skills
Operations management
Languages
Hindi
Advanced (C1)
Marathi
Advanced (C1)
English
Advanced (C1)
Timeline
Assistant Manager
South Indian Bank
02.2024 - Current
Asset Desk Manager
South Indian Bank
07.2021 - 01.2023
Clerk
South Indian Bank
09.2014 - 04.2019
Master Of Computer Applications - Computer Engineering
Maeers MIT Som
BCA - Computer Applications
Bharati Vidyapeeth Deemed University