Finacle 10
Ruchi Mittal
Operation And Credit Officer
Bhubaneswar,OR
Summary
Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
9
9
years of professional experience
3
3
Languages
Work History
Operation Head
Bank Of Baroda
06.2021 - Current
- Oversaw daily operations at multiple branches, ensuring consistency in service standards across all locations. Managing operations through " Finacle 10 " software.
- Partnered with vendors and suppliers to effectively manage and budget.
- Led efforts to improve credit risk assessment procedures, resulting in reduced loan default rates.
- Developed strategic plans to achieve financial goals and ensure long-term growth for the bank.
- Ensured seamless communication between departments, facilitating effective collaboration on projects and initiatives.
- Spearheaded initiatives to expand product offerings, driving increased revenue and market share.
- Cultivated and strengthened lasting client relationships using strong issue resolution and dynamic communication skills.
Operations Manager
Bank Of Baroda
04.2018 - 05.2021
- Managed daily bank activities for optimal performance, ensuring timely completion of tasks and customer satisfaction.
- Oversaw cash management processes, ensuring accurate recordkeeping and timely reconciliation of transactions for audit purposes.
- Analyzed business processes to identify cost savings and operational efficiencies.
- Assisted with daily cash and ATM balancing.
- Contributed to the development and implementation of new products or services that enhanced the bank''s offerings and attracted new customers.
Credit Officer
Bank Of Baroda
07.2015 - 03.2018
- Supported business growth initiatives by assisting in the identification of new market opportunities for expansion within the credit sector.
- Implemented robust monitoring systems to track performance metrics of existing loans, identifying areas requiring attention or intervention.
- Facilitated timely decision-making on loan applications through clear communication with internal stakeholders and prompt resolution of any queries or discrepancies.
- Improved cross-functional collaboration, working closely with sales and operations teams to meet business objectives.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
Education
Post Graduation Diploma in Banking And Finance - Banking And Financial Support Services
Sikkim Manipal University
Bengaluru, India 04.2001 -
Bachelor of Engineering Technology - Computer Science
Vivekanand Institute of Technology
Ghaziabad, India 04.2001 -
Skills
Operational Efficiency
Customer Retention
Administrative Management
Data Management
Team Leadership
Interpersonal Communication
Software
Timeline
Operation Head
Bank Of Baroda
06.2021 - Current
Operations Manager
Bank Of Baroda
04.2018 - 05.2021
Credit Officer
Bank Of Baroda
07.2015 - 03.2018
Post Graduation Diploma in Banking And Finance - Banking And Financial Support Services
Sikkim Manipal University
04.2001 -
Bachelor of Engineering Technology - Computer Science
Vivekanand Institute of Technology
04.2001 -