Sugandha
www.linkedin.com/in/14sugandha
Summary
Dynamic banking professional with extensive experience at HDFC Bank Ltd., excelling in operational assessment and customer service. Proven track record in managing retail asset products, enhancing client retention, and ensuring compliance. Skilled in Microsoft Excel and effective communication, driving business growth and operational efficiency.
Overview
14
14
years of professional experience
Work History
Manager
HDFC Bank Ltd.
Nawada
11.2022 - Current
- Managed end-to-end operations of multiple retail asset products, including Gold Loans, Mortgage Loans (Home Loans/LAP), Tractor Loans, Two-Wheeler Loans, and Consumer Loans.
- Oversaw loan processing, documentation, disbursement, and post-disbursement servicing, while ensuring compliance with bank policies and regulatory guidelines.
- Handled day-to-day branch operations, including cheque clearing, cash management, and vault balancing, with strict adherence to operational controls.
- Ensured accuracy and timeliness in clearing transactions, minimizing operational risks, and discrepancies.
- Addressed and resolved customer grievances and CRM complaints efficiently, maintaining high service quality, and customer satisfaction.
- Provided personalized customer support and relationship management, enhancing client retention and business growth.
- Coordinated with internal teams for a smooth workflow and timely resolution of operational issues.
- Maintained audit readiness by ensuring proper documentation and adherence to internal and external audit requirements.
- Monitored portfolio performance, and contributed to achieving branch business targets.
Assistant Manager
Shriram Transport Finance Company Limited
Bangalore
04.2019 - 10.2022
- Define the strategy for ensuring that business managers are able to identify the effectiveness of their controls and identify gaps.
- Experience of regulatory environment and Regulatory Engagement.
- Provide metrics and analytics to senior management to ensure appropriate understanding.
- Assist the business to manage and control risk issues effectively.
- Represent region in risk control meetings.
- Responsible for reconciling and clearing accounts.
- KYC authentication and fraud management.
Senior Executive
Shriram Transport Finance Company Limited
Patna & Bangalore
04.2017 - 03.2019
- Working as a Zonal Team Member.
- Looking after Bank Reconciliation and payment related issues.
- Compilation, analysis and presentation of zonal level data for reporting of program progress.
- Preparation and distribution of daily, weekly and monthly reports.
- Performing interview for various positions.
- Handled a team of 20 members.
- Administering daily operations to ensure policies are adhered to and understood by all the staff.
- Cultivated strong business relations with customer and dealer to drive business.
- Ensure that all the service requirements are met and customers are satisfied.
- Disbursement of vehicle loan, business loan, personal loan, insurance loan & bullet loan.
Executive
Shriram Transport Finance Company Limited
Patna & Bangalore
04.2015 - 03.2017
- End-to-end loan processing for various products.
- Cross selling of products.
- Database and MIS management.
- Cash and expense management.
Assistant Executive
Shriram Transport Finance Company Limited
Patna & Bangalore
07.2012 - 03.2015
- Loan processing and verification.
- Data entry of various day to day activities.
- Helping customer with their loan accounts and various queries.
- Handling cash counter daily transactions such as cash deposit and cheque deposit.
Education
Masters - Business Administration, HR & Marketing
Kurukshetra University
Kurukshetra, Haryana05.2011
Bachelor of Arts - Economics Hons.
PWC, Patna University
Patna, Bihar05.2008
Skills
- Operational Assessment
- Goal Setting
- Communication
- Microsoft Excel
- Business Knowledge
- Customer Service
Personal Information
A kathak dancer in the making, enjoy binge-watching and cooking.
Timeline
Manager
HDFC Bank Ltd.
11.2022 - Current
Assistant Manager
Shriram Transport Finance Company Limited
04.2019 - 10.2022
Senior Executive
Shriram Transport Finance Company Limited
04.2017 - 03.2019
Executive
Shriram Transport Finance Company Limited
04.2015 - 03.2017
Assistant Executive
Shriram Transport Finance Company Limited
07.2012 - 03.2015
Masters - Business Administration, HR & Marketing
Kurukshetra University
Bachelor of Arts - Economics Hons.
PWC, Patna University