Smriti Agarwal
Ahmedabad
Summary
Dynamic banking professional with extensive experience at Canara Bank, excelling in branch operations management. Proven track record in enhancing operational efficiency and achieving profit targets through effective credit & risk management and team leadership. Skilled in regulatory compliance and cross-selling strategies, driving business growth and customer satisfaction.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Senior Manager, Branch Head
Canara Bank
Bhavnagar
04.2020 - 03.2024
- Led day-to-day branch operations, managed a team of 10+ employees by providing guidance, setting goals and objectives, delegating tasks, and monitoring performance and customer satisfaction and retention.
- Sourced new business and deposits, identifying cross-selling opportunities, and promoting fee-based services to enhance profitability. Achieved profit targets through bad debt recovery.
- Managed and controlled trade transactions daily including regulatory compliances
- Evaluated and sanctioned loans, improved operational efficiency, and reduced turnaround times (TAT) to meet customer demands, and business targets.
Credit Manager (Deputy Branch Head)
Canara Bank (Erstwhile Syndicate Bank)
Bhavnagar
07.2018 - 03.2020
- Played a key role in managing the bank's asset quality and supporting business growth through prudent credit decisions and effective risk management.
- Analyzed financial status, credit, and property evaluations to assess loan feasibility.
- Evaluated customers' creditworthiness and risk factors.
- Managed the end-to-end credit approval process, from application review to final execution by reviewing credit reports and financial statements.
- Led the recovery of bad debts, and contributed to the bank's profit.
- Participated in internal audits to ensure adherence to corporate guidelines and regulatory requirements related to credit management activities.
Branch Manager (Rural Area)
Canara Bank (Erstwhile Syndicate Bank)
Meerut
06.2017 - 06.2018
- Led a rural branch in Meerut, UP, overseeing operations, customer service, and staff management.
- Played a key role in District Level Bank Committee meetings chaired by the Lead Bank.
- Championed financial inclusion by promoting banking services to rural customers while ensuring regulatory compliance.
- Conducted financial literacy programs for women and youth, empowering them with banking knowledge.
- Organized village camps to educate residents on digital transactions and modern banking tools.
Canara Bank (Erstwhile Syndicate Bank)
Kanpur
06.2013 - 06.2017
- Managed front-desk operations, ensuring efficient service and customer retention.
- Monitored customer needs, mitigating risks to prevent financial or reputational loss.
- Handled Cash Management Desk during Demonetization and Jan Dhan Yojana for seamless service.
- Supervised daily operations to uphold performance, quality, and service standards.
- Resolved customer complaints promptly, enhancing satisfaction.
Front Desk Officer
AXIS Bank
Delhi NCR
04.2012 - 05.2013
- Managed customer queries, transactions, and service requests efficiently.
- Assisted in daily branch operations to ensure a seamless workflow.
- Promoted and cross-sold bank products, enhancing customer satisfaction.
- Handled clearing, non-cash transfers, and government business transactions.
Education
MBA - Finance
Sikkim Manipal University
Distance Learning10.2016
BBA - Business Administration And Management
Dayanand Academy of Management Studies
Kanpur, Uttar Pradesh09.2011
Skills
- Branch operations management
- Credit analysis
- Loan evaluation
- Regulatory compliance
- Risk management
- Team leadership
- Operational efficiency
- Cross-selling strategies
- Trade finance screening
- Trade finance compliance
Certification
- Certified Associate of Indian Institute of Bankers (CAIIB)
- Junior Associate of Indian Institute of Bankers (JAIIB)
- Certificate course in SME Banking by IIBF
- Certificate course in Digital Banking by IIBF
- Certificate course in Credit Cards by IIBF
- Certificate course in AML & KYC by IIBF
- Certificate course in Cyber Crime & Security by IIBF
Timeline
Senior Manager, Branch Head
Canara Bank
04.2020 - 03.2024
Credit Manager (Deputy Branch Head)
Canara Bank (Erstwhile Syndicate Bank)
07.2018 - 03.2020
Branch Manager (Rural Area)
Canara Bank (Erstwhile Syndicate Bank)
06.2017 - 06.2018
Canara Bank (Erstwhile Syndicate Bank)
06.2013 - 06.2017
Front Desk Officer
AXIS Bank
04.2012 - 05.2013
MBA - Finance
Sikkim Manipal University
BBA - Business Administration And Management
Dayanand Academy of Management Studies
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