Roshni Singh
Summary
Strategic Credit Manager known for high productivity and efficient task completion. Skilled in risk assessment, financial analysis, and regulatory compliance which ensure sound credit decisions. Excel in negotiation, problem-solving, and leadership, fostering strong relationships with clients and enhancing team performance.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Credit Manager
Kotak Mahindra Bank
Mumbai - Kalina
12.2023 - Current
- Underwriting of Loan against property applications of medium to high ticket Size
- Conducting Physical PD and Tele PD to understand the business profile of customers
- Prepared Credit Approval Memos (CAM) according to company policy.
- Providing credit decisions on proposals within defined turnaround
- Reading Legal and Technical Report of Case and accordingly mitigating the risk
Wealth Relationship Manager
Bank Of Baroda
Mumbai
05.2022 - 11.2023
- Delivered specialized financial planning support to 300 HNI clients with diverse portfolios and individual needs.
- Developed customized investment portfolios for clients in PMS and AIF investments, enhancing client satisfaction.
- Built strong client relationships by implementing personalized financial strategies that align with individual goals.
- Collaborated with cross-functional teams to deliver comprehensive wealth management solutions.
Relationship Officer
Catholic Syrian Bank
Mumbai
07.2020 - 05.2022
- Managed a high-net-worth individual portfolio comprising 300 clients.
- Addressed clients' financial needs by providing tailored advice and support.
- Cultivated strong client relationships through regular communication and personalized visits.
- Enhanced customer satisfaction by providing prompt and informed problem resolution.
- Worked with Operations departments to facilitate communication and deliver personalized solutions to customers.
- Tracked and escalated cases effectively to ensure timely resolution of customer inquiries.
Personal Banker
HDFC BANKLTD
03.2019 - 01.2020
- Handling of HNI Portfolio, Catering to clients' financial needs
- Secured new investments from existing and prospective clients, contributing to portfolio growth
- Assisted clients with account openings and product selections.
- Provided personalized financial advice based on customer needs.
- Processed loan applications and ensured compliance with policies.
Intern
Aditya Birla sunlife Insurance
02.2018 - 07.2018
- Conducted technical and fundamental training on stock market, focusing on live trading scenarios
- Developed understanding of market dynamics and intraday trading strategies
- Assisted with client onboarding and documentation processes for insurance policies.
- Coordinated communication between clients and financial advisors during consultations.
- Conducted market research to support product development and marketing strategies.
Resource mobilizer
NGO - Habitat for Humanity India
01.2014 - 11.2014
- Conducted trainings for corporates to raise funds for natural calamity disaster-affected communities.
- Contributed innovative ideas and solutions to enhance team performance and outcomes.
- Developed innovative ideas and solutions that improved team performance and outcomes.
- Collaborated with diverse coworkers to achieve goals and resolve issues related to products and services.
Education
MBA - Finance : Management
Atharva Institute of Management Studies
MumbaiBachelor of banking And insurance -
Tolani college of commerce
Skills
- Credit analysis
- Risk assessment
- Underwriting principles
- Portfolio management
- Regulatory compliance
- Risk mitigation
- Customer relationship management
- Effective communication
Certification
- Tally ERP 9
- Financial Modelling - Edu pristine
Languages
Hindi
First Language
English
Proficient
C2
Marathi
Upper Intermediate
B2
Timeline
Credit Manager
Kotak Mahindra Bank
12.2023 - Current
Wealth Relationship Manager
Bank Of Baroda
05.2022 - 11.2023
Relationship Officer
Catholic Syrian Bank
07.2020 - 05.2022
Personal Banker
HDFC BANKLTD
03.2019 - 01.2020
Intern
Aditya Birla sunlife Insurance
02.2018 - 07.2018
Resource mobilizer
NGO - Habitat for Humanity India
01.2014 - 11.2014
MBA - Finance : Management
Atharva Institute of Management Studies
Bachelor of banking And insurance -
Tolani college of commerce