Sanyam gaba
Ghaziabad
Summary
Results-driven banking professional with over 10 years in Branch Operations, credit appraisal, and compliance. Expertise in evaluating creditworthiness, analyzing financial statements, and managing loan portfolios while ensuring adherence to lending policies. Skilled in driving business growth and maintaining strong audit standards. Committed to leveraging experience in branch leadership and credit analysis to enhance operational efficiency.
Overview
1
1
Certification
11
11
years of professional experience
Work History
Manager
INDIAN BANK
07.2016 - Current
- Supported branch operations while maintaining banking regulation compliance and zero audit observations.
- Managed credit portfolio of more than 20 crore+ and deposit portfolio of 90 crore+ while aligning with bank policies.
- Reviewed loan applications through credit analysis and risk assessment to align with lending policies.
- Flagged credit documentation compliance gaps in loan proposals and applied corrective actions to limit potential losses.
- Completed financial analysis, credit appraisal, and due diligence to assess borrower creditworthiness and regulatory compliance.
- Carried out periodic operational reviews and audit checks of branch activities to identify improvement opportunities.
- Expanded customer base through new customer acquisition and service support with suitable products.
- Prepared MIS reports and tracked branch performance metrics.
- Guided team of seven employees toward higher productivity and strong customer service.
- Supported business growth through customer acquisition and cross-selling activities to strengthen retail asset portfolio.
- Conducted credit appraisal and financial analysis for retail and MSME loan proposals.
Assistant
UNITED INDIA INSURANCE
02.2016 - 05.2016
- Addressed customer inquiries about products, services, and pricing to enhance satisfaction.
- Developed strong relationships with customers through exceptional customer service.
- Documented customer transactions and organized receipts for accurate record-keeping.
- Streamlined processing and management of documents, emails, and communications to support workflow efficiency.
- Created detailed spreadsheets for tracking financial data or other important information.
- Reviewed and assessed insurance applications for risk evaluation.
Education
MBA in Finance (Pursuing) -
SIKKIM MANIPAL UNIVERSITY
03-2027
BTECH in Mechanical Engineering -
GAUTAM BUDDH TECHNICAL UNIVERSITY
01-2012
12TH -
CH CHHABIL DAS PUBLIC SCHOOL, GHAZIABAD
Ghaziabad01-2008
10TH -
CH CHHABIL DAS PUBLIC SCHOOL, GHAZIABAD
Ghaziabad01-2006
Skills
- Credit analysis
- Credit appraisal
- Risk Assessment
- Credit compliance
- Regulatory compliance
- Portfolio monitoring
- Non-performing asset management
- Branch operations management
- Deposit Growth
- Client Acquisition
- Financial Strategy
- Operational Audit
- Team Leadership and supervision
- Financial Strategy
Certification
- JAIIB (IIBF),
Full Name
SANYAM GABA
Date Of Birth - Iso Date
1990-06-18
Personal Information
Nationality: Indian
Accomplishments
- Achieved branch CASA Targets for FY:2024-25.
- Achieved TPP targets of the branch for FY 2023-24.
- Top performer in preventing slippages for FY 2024-25.
- Achieved MSME & Retail Targets for FY 2024-25.
Timeline
Manager
INDIAN BANK
07.2016 - Current
Assistant
UNITED INDIA INSURANCE
02.2016 - 05.2016
MBA in Finance (Pursuing) -
SIKKIM MANIPAL UNIVERSITY
BTECH in Mechanical Engineering -
GAUTAM BUDDH TECHNICAL UNIVERSITY
12TH -
CH CHHABIL DAS PUBLIC SCHOOL, GHAZIABAD
10TH -
CH CHHABIL DAS PUBLIC SCHOOL, GHAZIABAD