SAROJINI BARUAH
Guwahati
Summary
Banking professional with 15 years of experience at State Bank of India, specializing in home loan processing, credit analysis, and branch operations. Demonstrated success in delivering exceptional customer service and ensuring compliance with regulatory standards. Consistently exceeded business targets through effective team leadership and operational efficiency.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Processing Officer - Home Loan Centre
State Bank of India
Guwahati
01.2025 - Current
- Process home loan applications within defined Turnaround Time (TAT).
- Review and verify customer documents, financials, and property papers.
- Coordinate with legal, technical, and field investigation teams.
- Ensure regulatory compliance and accuracy in credit decisions.
- Maintain high service standards and digital records for audits.
Credit Support Officer
State Bank of India
Guwahati
02.2023 - 12.2024
- Analyzed creditworthiness for retail and SME borrowers.
- Reviewed financial statements, repayment history, and loan risks.
- Recommended sanction limits as per internal credit policy.
- Trained junior officers on credit appraisal and documentation.
- Ensured full audit and documentation compliance.
Branch Manager
State Bank of India
Guwahati
12.2020 - 02.2023
- Appointed founding manager of a new SBI branch.
- Led overall branch operations including deposits, loans, CVE service, customer service, and compliance.
- Managed day-to-day banking functions including cash management, teller operations, and audit readiness.
- Supervised a cross-functional team to ensure smooth functioning and target achievement.
- Developed and implemented strategies for business growth and customer acquisition.
- Built strong relationships with HNI clients, SMEs, and government agencies.
- Ensured strict adherence to regulatory guidelines, internal policies, and audit requirements.
- Promoted digital banking adoption and ensured staff training on new systems.
- Oversaw customer service, complaint resolution, and branch profitability.
- Coordinated with regional and zonal offices on branch targets and reporting.
Service Manager
State Bank of India
Guwahati
05.2019 - 12.2020
- Led customer service operations and monitored service desk productivity.
- Handled escalated grievances and resolved operational issues.
- Ensured adherence to banking regulations and internal standards.
Customer Associate
State Bank of India
Guwahati
12.2010 - 04.2018
- Provided frontline support including account openings and transactions.
- Ensured complete KYC documentation and service compliance.
- Assisted in cross-selling and digital banking adoption.
- Maintained operational accuracy and client satisfaction.
Education
Master of Arts - Sociology
IGNOU
India01.2013
Bachelor of Arts - Sociology
Miranda House
India01.2010
Higher Secondary -
Army Public School
Guwahati, India01.2007
Matriculation -
Maharishi Vidya Mandir
Guwahati, India01.2005
Skills
- Home Loan & Credit Operations
- Financial & Risk Analysis
- Retail Banking & Branch Management
- Customer Experience & Complaint Handling
- Loan Documentation & Audit Compliance
- KYC, AML & Regulatory Adherence
- Core Banking Systems (NBC, CBS)
- MIS Reporting & Data Accuracy
- Leadership & People Management
- Business Development Strategy
Certification
- AML/KYC Compliance Training
- Credit Appraisal and Risk Analysis
- CERT PROG - SERVICE MANAGERS
- CERT PROG - CUSTOMER SERVICE
- CERT PROG - CPPC
- CERT PROG ON DIGITAL BANKING (CPDB)
- MUTUAL FUND DISTRIBUTORS EXAM (NISM VA)
- BANCASSURANCE IRDA (LIFE INSURANCE)
Additional Information
Willing to relocate across India or internationally, Open to global assignments with sponsorship support, Adept at working in culturally diverse, multilingual teams, Well-versed in financial regulations across Indian and global contexts
Hobbies & Interests
- Playing the Violin.
- Cooking and experimenting with regional cuisines, multi-cuisine dishes, and cake baking.
- Painting and creative arts.
- Travelling and exploring cultural diversity.
- Listening to music and participating in orchestral performances.
Awards Recognitions
- Freedom Fiesta Campaign, 2022-08-01, Branch Manager, Abhoypur Branch
- SBI Life 'Meet & Greet' Campaign, 2022-12-01, Qualified
- DHAMAKA PLUS Campaign - Platinum, 2022-08-01, Branch Head, Abhoypur Branch
- SBI Life 'Double Dhamaka' Campaign, 2022-06-01, Qualified
- Membership Award, CIF, North East Circle
- Achievers Club, 2022-08-01, SBI Life
- Regional Level Campaign, 2022-11-01
- Certificate of Excellence, 2024-04-01, REHBU, SBI Guwahati Rural
- Zero SMA PBBU Advance CA Segmental Deposit, 2022-07-01
- Best Performance in Health Business, Abhoypur Branch
- Achieved over 1000% of deposit targets and 990% in advances as Branch Manager, Abhoypur Branch, 2020-01-01 to 2023-01-01
Languages
- English, Fluent
- Hindi, Fluent
- Assamese, Fluent
- Bengali, Fluent
- French, Basic
Timeline
Processing Officer - Home Loan Centre
State Bank of India
01.2025 - Current
Credit Support Officer
State Bank of India
02.2023 - 12.2024
Branch Manager
State Bank of India
12.2020 - 02.2023
Service Manager
State Bank of India
05.2019 - 12.2020
Customer Associate
State Bank of India
12.2010 - 04.2018
Master of Arts - Sociology
IGNOU
Bachelor of Arts - Sociology
Miranda House
Higher Secondary -
Army Public School
Matriculation -
Maharishi Vidya Mandir
Similar Profiles
Srikrishna Mohan KotichintalaSrikrishna Mohan Kotichintala
Assistant Manager at State Bank of IndiaAssistant Manager at State Bank of India
Prashant BhushanPrashant Bhushan
Chief Manager at State Bank of IndiaChief Manager at State Bank of India
Kishore HingoraniKishore Hingorani
Vice President-Wealth at State Bank of IndiaVice President-Wealth at State Bank of India
Chinmoy GoswamiChinmoy Goswami
Chief Manager (Sanction), Loan Advancing Unit at State Bank of IndiaChief Manager (Sanction), Loan Advancing Unit at State Bank of India
Nikita BishnuNikita Bishnu
Content Marketing Executive at The Business Research CompanyContent Marketing Executive at The Business Research Company