Ragini Singh
Mumbai
Summary
A results-driven finance professional with over 7+ years of experience in banking operations, business planning, sales management, compliance, budgeting, and client relationships. Demonstrated leadership in managing teams, overseeing financial proposals, stakeholder engagement, revenue generation, process improvement, and project delivery. Expertise in finance, quality management, forecasting, documentation, and driving organizational growth. Consistently leveraged methodologies to optimize costs, resources, and value addition. An achiever with a drive for success and ability to motivate teams to exceed targets across lending products, channelized leads, set up distribution networks, devised offers, and ensured collections and risk mitigation while maintaining robust CSRs.
Overview
9
9
years of professional experience
Work History
Senior Relationship Manager
HDFC
Navi Mumbai
12.2023 - Current
- Developed and managed a portfolio of existing clients to ensure long-term customer relationships.
- Conducted regular meetings with customers to discuss their needs and provide tailored solutions.
- Reviewed financial statements, credit reports, and other relevant documents in order to assess creditworthiness.
- Analyzed customer data to identify areas of risk and potential opportunities for growth.
- Collaborated with team members to design customized products and services that fit the customer's requirements.
- Ensured compliance with legal regulations, policies, and procedures related to banking operations.
- Identified new business opportunities through market research and analysis.
- Drafted proposals outlining product features and benefits for prospective customers.
- Monitored customer feedback to assess satisfaction levels and develop improvement plans accordingly.
Assistant Manager - Operation Department
Indusind Bank
Mumbai
02.2022 - 11.2023
- Assisted in the development of operational strategies to ensure efficient and productive operations.
- Provided guidance and support to junior staff members on daily tasks, projects, and objectives.
- Coordinated with other departments to ensure smooth flow of operations.
- Ensured compliance with safety regulations and company policies.
- Managed customer service inquiries and complaints in a timely manner.
- Resolved conflicts between team members in an effective manner.
- Maintained up-to-date knowledge of company products and services.
- Collaborated with management on developing strategic plans for achieving business goals.
- Communicated regularly with customers to gain insights into their needs.
- Reviewed financial documents and records to ensure accuracy of information.
- Monitored customer accounts to detect suspicious activity or fraud.
- Analyzed financial data related to income, expenses and investments.
- Provided guidance and advice on best practices for processing financial transactions.
- Performed quality assurance checks on all outgoing payments to ensure accuracy of amounts and details.
- Developed strategies for streamlining transaction processing activities.
- Identified opportunities for cost savings through improved efficiency of transactions.
- Managed relationships with banking institutions and other service providers as needed.
- Balanced daily cash deposits and vault inventory with zero error rate.
- Maintained customer financial information and files.
- Generated various financial reports for supervisors and managers for review and forecasting.
- Mentored and trained newly hired tellers to familiarize each with job responsibilities and organizational procedures.
- Supervised tellers to verify compliance with both federal and local regulations.
Senior Officer
Yes Bank
Mumbai
10.2020 - 01.2022
- Handled front desk operations, account opening, and branch reporting
- Reviewed credit limits and augmentation requests
- Delinquency and collections management for retail lending
- Ensured KYC and compliance.
Development Manager
Kotak Life Insurance
Mumbai
07.2019 - 02.2020
- Generated INR 15L+ monthly business
- Provided training on products and conducted closures
- Verified applications and collaborated with multiple functions.
Team Lead
Syrex Info Services
Mumbai
07.2015 - 06.2019
- Managed A team of 30 members
- Generated fundraising for CRY & UNICEF
- Devised EMI & Interest rate schemes as per requirements of the borrower.
Education
MBA - Finance
ITM College, Kharghar
Kharghar Navi Mumbai05.2019
Bachelors in Commerce -
Pillai's College, Panvel
06.2015
Skills
- Tally
- MS-Office
- MIS
- Team Leader
- Communication
- Negotiation
- Time Management
- Budget Control
- PnL Ownership
- Escalation Management
- Revenue Generation
- Portfolio Management
- Customer interaction
- Revenue development
- Business Development
- Sales management
- Customer Engagement
- Strategic Planning
- Market Research
- Relationship Building
- Business Relationship Management
- Customer Service
- Operational Reporting
- Goal Setting
- Work Planning
- Sales Support
- Proactive and Focused
- Cost Data Analysis
- Compliance Assessment
- Customer relationship development
- Organizational Skills
- CRM Tracking
- Chartered Alternative Investment Analyst
- Effective Communication
- Budget Planning
- Internal Controls and Reporting Systems
- Financial Management
- Chartered Management Consultant
- Asset Control
Accomplishments
- Awarded by Country Head and Zonal Head for outstanding Performance in Q4-2022 And Q1,Q2,Q3-2023.
Timeline
Senior Relationship Manager
HDFC
12.2023 - Current
Assistant Manager - Operation Department
Indusind Bank
02.2022 - 11.2023
Senior Officer
Yes Bank
10.2020 - 01.2022
Development Manager
Kotak Life Insurance
07.2019 - 02.2020
Team Lead
Syrex Info Services
07.2015 - 06.2019
MBA - Finance
ITM College, Kharghar
Bachelors in Commerce -
Pillai's College, Panvel
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