Smriti Agarwal

Headed branches in Bhavnagar and Rajula (District - Amreli), Gujarat.

Key Responsibilities:

• Branch Leadership & Operations: Led branch operations, ensuring seamless day-to-day activities and effective staff management to achieve branch objectives.
• Client Relationship Management: Built strong relationships with clients, serving as the primary point of contact for high-value customers and driving customer satisfaction and retention.
• Business Development & Cross-Selling: Moved in fields for sourcing new business and deposits for the bank. Drove branch profitability by identifying cross-selling opportunities and promoting fee-based services aligned with customer needs. Also, achieved profit targets by recovering bad debts.
• Compliance & Internal Controls: Ensured strict adherence to internal policies and regulatory standards, conducting regular audits to mitigate risks.
• Performance & Efficiency: Monitored branch performance in sanctioning of loans by risk analysis, improving operational efficiency and turnaround times (TAT) to meet customer demands and business targets.

Worked as Deputy Branch Head and Credit Manager.

Key Responsibilities-

• Played crucial role in maintaining the Bank's asset quality while supporting business growth through prudent credit decisions and effective risk management.
• Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
• Investigated and evaluated customers for creditworthiness and potential risk factors.
• Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
• Recovery of bad debts.
• 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.

Headed a Branch in rural area of Meerut, UP.

• Led branch operations, ensuring smooth functioning, customer satisfaction, and staff management.
• Was among the key person on dais for District Level Bank Committee meetings headed by Lead Bank.
• Promoted financial inclusion for rural customers and ensured compliance with banking regulations.
• Conducted Financial Literacy programmes for females and young crowd.
• Organized camps in villages to educate people about digital transactions.
• Boosted business growth by cross-selling bank products and strengthening client relationships.

• Managed front-desk operations, processing customer instructions efficiently and ensuring retention.
• Monitored customer requirements while controlling operational risks, ensuring no loss or reputational damage.
• Designated person to handle Cash Management Desk at the time of Demonitisation and Jan Dhan Yojna for customer service and satisfaction.
• Supervised day-to-day operations to meet performance, quality and service expectations.
• Improved customer satisfaction by addressing and resolving complaints promptly.

• Handled customer queries, transactions, and service requests.
• Assisted in daily branch operations, ensuring smooth workflow.
• Promoted bank products, cross selling, contributing to customer satisfaction.
• Handled clearing, non cash transfers along with government business.