Rahul Goyal
Summary
Dynamic and results-driven professional with extensive experience at Bank of India, excelling in customer engagement and effective team leadership. Proven track record in enhancing service quality and driving business development, while implementing budget control measures. Adept at prioritization and scheduling, fostering collaboration to achieve key performance indicators and exceed branch targets.
Results-driven management professional with proven ability to lead teams to success. Strong focus on team collaboration, operational efficiency, and achieving measurable outcomes. Adept at strategic planning, process improvement, and fostering culture of accountability and excellence. Known for adaptability and consistently meeting changing organizational needs.
Overview
13
13
years of professional experience
Work History
MANAGER
BANK OF INDIA, DATA CENTER
12.2023 - 04.2024
- Managed and motivated employees to be productive and engaged in work.
- Accomplished multiple tasks within established timeframes.
- Enhanced employee performance by providing regular feedback, coaching, and training opportunities.
- Mentored junior staff members on best practices for project management and team collaboration skills, fostering a supportive work environment.
- Supervised day-to-day operations to meet performance, quality and service expectations.
- Maintained professional, organized, and safe environment for employees and patrons.
- Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
- Developed strong relationships with stakeholders to facilitate smooth communication and project completion.
- Created and maintained a strong team culture that promoted high levels of collaboration, employee satisfaction, and overall performance.
Branch Manager
BANK OF INDIA
09.2023 - 11.2023
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Maintained friendly and professional customer interactions.
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
- Strengthened relationships with key clients, securing long-term partnerships and driving revenue growth.
- Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.
- Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
- Complied with regulatory guidelines and requirements.
- Coordinated with IT department to enhance cybersecurity measures, protecting customer data and transactions.
CREDIT MANAGER
BANK OF INDIA
06.2023 - 09.2023
- Negotiated payment plans with delinquent customers to minimize losses while maintaining positive client relationships.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Referred delinquent accounts to collections department or outside resources.
- Reviewed and analyzed loan procedures.
- Mentored junior team members in credit management best practices to enhance overall department performance.
- Leveraged advanced analytics tools in assessing borrower applications which resulted in better-informed lending decisions.
- Used [Software] and [Software] to perform credit appraisals, document verification and loan approvals.
- Checked payroll, vendor payments, commissions and other accounting disbursements for accuracy and compliance.
BRANCH MANAGER
BANK OF INDIA
01.2022 - 05.2023
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
- Managed branch financials including budgeting, forecasting, and expense tracking for accurate reporting and decision-making support.
- Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
- Increased branch profitability by implementing cost-saving measures and streamlining operational processes.
CREDIT MANAGER
BANK OF INDIA
08.2022 - 12.2022
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Participated in internal audits to ensure adherence to corporate guidelines and regulatory requirements related to credit management activities.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Evaluated complex customer profiles using financial statements, credit reports, and industry data to make informed lending decisions.
Assistant Manager (Administration and Services)
BANK OF INDIA
07.2019 - 07.2021
- Managed daily operations, delegating tasks appropriately to ensure smooth functioning of the facility.
- Taught employees how to collaborate on daily job tasks and achieve service targets.
- Coordinated with General Manager in different operational issues and promotional activities.
- Mentored new hires, guiding them through their roles while providing ongoing support for professional growth opportunities.
- Implemented safety protocols to maintain a secure work environment for employees.
- Boosted customer satisfaction by addressing inquiries promptly and resolving issues effectively.
- Maintained accurate records of all transactions within the department to facilitate transparent reporting systems.
- Developed strong relationships with suppliers, resulting in improved product quality and delivery times.
- Handled problematic customers and clients to assist lower-level employees and maintain excellent customer service.
- Implemented innovative programs to increase employee loyalty and reduce turnover.
- Monitored cash intake and deposit records, increasing accuracy, and reducing discrepancies.
- Oversaw daily cash reconciliations, ensuring accurate financial reporting and minimizing discrepancies.
- Developed strong working relationships with staff, fostering a positive work environment.
- Maintained a clean, safe, and organized store environment to enhance the customer experience.
- Supervised day-to-day operations to meet performance, quality and service expectations.
Assistant Credit Manager
BANK OF INDIA
07.2016 - 07.2019
- Conducted periodic reviews of existing client accounts to ensure compliance with established payment terms or recommend adjustments if needed.
- Developed strong relationships with key clients through regular communication, fostering trust and improving long-term account management.
- Collaborated with sales teams to establish credit limits that balanced risk exposure with business growth opportunities.
- Managed a diverse portfolio of accounts, maintaining accurate records and ensuring timely collections activities were undertaken.
Assistant Manager of Operations
BANK OF INDIA
05.2014 - 06.2016
- Evaluated employee performance regularly, offering constructive feedback while recognizing outstanding achievements as appropriate.
- Helped team members maintain business professionalism by coaching each on methods for delivering exceptional service to every customer.
- Conducted regular staff meetings to foster open communication, teamwork, and feedback exchange among team members.
- Responded to customer requests for products, services, and company information.
- Managed timely and effective replacement of damaged or missing products.
- Sought ways to improve processes and services provided.
- Promptly responded to inquiries and requests from prospective customers.
- Responded proactively and positively to rapid change.
Junior Associate
State Bank of India, SBI
05.2013 - 04.2014
- Strengthened collaborative efforts among teammates by facilitating open dialogues during group discussions.
- Delivered accurate reports on time to assist management in making informed decisions based on data analysis.
- Maintained confidentiality while handling sensitive information related to client accounts or legal matters.
- Supported senior associates in managing client relationships by scheduling meetings, taking minutes, and following up on action items.
- Greeted customers entering store and responded promptly to customer needs.
- Welcomed customers and helped determine their needs.
- Restocked and organized merchandise in front lanes.
- Balanced cash drawer daily and resolved discrepancies to provide accurate data regarding cash flow.
- Disbursed cash and checks accurately while maintaining security of cash drawers.
- Processed customer transactions promptly, minimizing wait times.
- Balanced cash drawers daily, identifying discrepancies and taking corrective actions as needed.
- Promoted a welcoming atmosphere in the branch by greeting customers warmly upon arrival and addressing them by name when possible.
- Managed high-volume transactions efficiently while maintaining attention to detail, ensuring accurate processing for customers.
- Improved customer satisfaction by providing efficient and accurate transaction processing.
Software Developer
Wipro Infotech
10.2011 - 04.2013
- Improved software efficiency by troubleshooting and resolving coding issues.
- Saved time and resources by identifying and fixing bugs before product deployment.
- Collaborated with cross-functional teams to deliver high-quality products on tight deadlines.
- Enhanced user experience through designing and implementing user-friendly interfaces.
- Improved overall system stability by conducting thorough testing procedures prior to deployment.
- Enhanced database performance by optimizing queries and indexes.
- Conducted code reviews for quality assurance and adherence to best practices.
- Participated in regular team meetings, contributing valuable insights towards project goals.
- Provided technical support to end-users by troubleshooting database issues promptly.
- Collaborated with cross-functional teams to devise effective solutions addressing business needs.
- Streamlined data retrieval with well-structured stored procedures and functions.
- Continuously updated skills through research and training sessions on database development trends and technologies.
Education
No Degree - CAIIB
IIBF
MUMBAI06-2013
B. TECH - Information Technology
PUNJAB TECHNICAL UNIVERSITY
MANDI GOBINDGARH06-2011
Skills
- Customer engagement
- Prioritization and scheduling
- Collaborative decision-making
- Budget control
- Business development
- Business planning
- Team leadership
- Time management
- Decision-making
- Risk Management
- Regulatory Compliance
Languages
English
Timeline
MANAGER
BANK OF INDIA, DATA CENTER
12.2023 - 04.2024
Branch Manager
BANK OF INDIA
09.2023 - 11.2023
CREDIT MANAGER
BANK OF INDIA
06.2023 - 09.2023
CREDIT MANAGER
BANK OF INDIA
08.2022 - 12.2022
BRANCH MANAGER
BANK OF INDIA
01.2022 - 05.2023
Assistant Manager (Administration and Services)
BANK OF INDIA
07.2019 - 07.2021
Assistant Credit Manager
BANK OF INDIA
07.2016 - 07.2019
Assistant Manager of Operations
BANK OF INDIA
05.2014 - 06.2016
Junior Associate
State Bank of India, SBI
05.2013 - 04.2014
Software Developer
Wipro Infotech
10.2011 - 04.2013
No Degree - CAIIB
IIBF
B. TECH - Information Technology
PUNJAB TECHNICAL UNIVERSITY
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