Summary
Overview
Work History
Skills
Interests
Additional Information
Timeline
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SUJATA KERKAR

Goregaon, Mumbai

Summary

  • To pursue a career where I can use my skills meticulously to develop further more towards professional status and position. To engage with their local communities through events, sponsorships, and outreach programs to build goodwill and establish a strong presence in the area. Branch operations are essential for providing convenient access to banking services and building trust with customers. As technology evolves, some traditional branch operations are shifting to digital channels, but branches continue to play a vital role in serving customers' needs.
  • Cash Officer
  • Cash Handling:
  • Cash officers receive and process cash deposits from customers, as well as dispense cash for withdrawals. They need to accurately count and verify the amounts involved in each transaction.
  • Transaction Processing:
  • To process various types of transactions, such as fund transfers, bill payments, and account-to-account transfers, while ensuring accuracy and adherence to guidelines.
  • Balancing Cash:
  • Cash officers are responsible for balancing cash drawers and maintaining accurate records of cash transactions at the end of each shift or day.
  • Cash Reconciliation:
  • To reconcile cash transactions against the records in the bank's systems and to identify any discrepancies and ensure that all transactions are properly accounted for.
  • Customer Service:
  • To assist customers with their cash-related inquiries, provide information about transaction procedures, and address any concerns or issues.
  • Security and Compliance:
  • To follow strict security and compliance protocols to prevent fraud, unauthorized access, and theft. To also ensure that transactions comply with anti-money laundering (AML) and Know Your Customer (KYC) regulations.
  • Reporting:
  • Generating reports detailing daily cash activities, transaction volumes, and any discrepancies that need to be addressed.
  • Training:
  • To train new staff members on cash handling procedures, security measures, and customer service standards.
  • Maintenance of Cash Supplies:
  • Cash officers monitor and manage the availability of currency and coins in the branch's cash vault or drawers to ensure that there is an adequate supply for customer transactions.
  • ATM Management:
  • In branches with ATMs, cash officers may be responsible for restocking and servicing the machines to ensure they have enough cash and are in proper working condition.
  • Quality Control:
  • Cash officers are responsible for checking the authenticity and condition of currency notes, identifying any counterfeit or damaged bills, and ensuring that only legitimate currency is circulated.
  • Locker Operations
  • To interact with customers interested in renting safe deposit lockers, addressing inquiries, assisting with the rental process, and providing information about the terms and conditions.
  • Locker Allocation:
  • To allocate available lockers to customers based on availability and the customer's preferences or requirements.
  • Documentation:
  • To oversee the documentation process for renting lockers, including collecting necessary identification documents, completing agreements, and maintaining accurate records.
  • Security Measures:
  • Ensuring the security and confidentiality of locker contents is paramount. To enforces strict security protocols, monitors access to locker areas, and maintain a high level of vigilance to prevent unauthorized access.
  • Locker Maintenance:
  • To oversee the maintenance of locker rooms, ensuring that they are clean, well-lit, and secure. To also coordinate any repairs or maintenance activities as needed.
  • Billing and Payments:
  • Locker Operations Managers are responsible for billing customers for locker rentals, collecting rental fees, and managing payment records.
  • Access Management:
  • To manage and monitor customer access to lockers, maintaining records of locker usage and visits.
  • Dispute Resolution:
  • If there are any issues related to locker rentals, access, or disputes regarding locker contents, the manager addresses and resolves these matters in a timely and fair manner.
  • Security Drills and Training:
  • To ensure staff is well-prepared for emergencies or security breaches, the manager may conduct security drills and provide training on security procedures.
  • To generate reports on locker occupancy, rental fees, access logs, and other relevant metrics to help track the performance of the locker service.
  • Compliance:
  • Ensuring compliance with regulatory requirements and internal policies related to safe deposit locker operations is a critical responsibility.
  • Customer Communication:
  • Locker Operations Managers communicate with customers about any changes to policies, fees, or operating hours related to the locker service.
  • Team Management:
  • If there is a team of staff members responsible for assisting with locker operations, the manager oversees their training, scheduling, and performance.

Overview

12
12
years of professional experience

Work History

Dy. manager

Saraswat Bank
01.2013 - Current
  • Nature of work: Branch operations, Cash Officer, Advances, loans
  • Loans & Advances
  • Evaluate loan applications and assess borrowers' creditworthiness to determine the feasibility of granting loans
  • Analyze financial statements, credit reports, and other relevant documents to make informed lending decisions
  • Recommend appropriate loan structures, terms, and interest rates based on risk assessment and bank policies
  • Collaborate with customers to explain loan options, terms, and repayment schedules
  • Maintain accurate records of loan applications, approvals, and disbursements in Finalce System
  • Monitor loan accounts to ensure timely repayments and take appropriate actions in case of delinquency
  • Stay updated on industry regulations and market trends to ensure compliance and competitiveness
  • Provide excellent customer service by addressing inquiries, resolving issues, and offering financial guidance
  • Branch Operations
  • Customer Service: Assist customers with account inquiries, transactions, and other banking services and provide information about different products, help customers open accounts, and address any concerns or issues
  • Account Management: To handle the opening, closing, and maintenance of various types of accounts, including savings, checking, fixed deposits, and retirement accounts through Tab Banking and Web Based account Opening.
  • Cash Handling: Cash handling is a crucial part of branch operations
  • To manage cash deposits, withdrawals, and currency exchange for customers and also ensure that cash levels are balanced and secure.In Finacle System Cash Operations have become effortless
  • Transaction Processing: To process various types of financial transactions, such as fund transfers, bill payments, check clearing, and issuing cashier's checks or money orders
  • Loan Processing: To assist customers with loan applications and provide information about different loan products and handle the documentation, approval, and disbursement processes for loans
  • Customer Relationship Management: To build and maintain relationships with customers by understanding their financial needs and offering suitable products and services
  • Sales and Cross-Selling: Branches engage in sales and cross-selling efforts to promote additional banking products and services to customers
  • This may include offering credit cards, insurance, investment products, and more
  • Compliance and Regulatory Functions: To ensure that all transactions and operations comply with banking regulations and internal policies and also to handle Know Your Customer (KYC) procedures and anti-money laundering (AML) checks
  • Security and Risk Management: To implement security measures to safeguard both physical assets (such as cash) and customer information
  • They also manage risks associated with operations and customer interactions
  • ATM Management: Many branches have ATMs that customers can use for cash withdrawals and other basic transactions
  • Branches are responsible for maintaining and servicing these machines
  • Staff Training: Branch operations involve training staff to provide accurate information, adhere to procedures, and offer excellent customer service
  • Training may also cover compliance and security protocols.

Skills

  • Technical Skills:
  • Operating System : WINDOWS XP/7/8
  • Application Software : HTML, MS-Office, MS Excel, Currently working on Finacle banking software

Interests

ACADEMIC QUALIFICATION: , Examination Board/university Year of passing Bachelor of Commerce (Bcom) Mumbai university 2011 H.S.C Maharashtra state board 2008 S.S.C Maharashtra state board 2006 j TECHNICAL PROFICIENCY: Competency in MS-Office,MSCIT EXTRA-CURRICULAR ACTIVITIES : Listening music, Travelling

Additional Information

  • . Credit Analysis:Assessing the creditworthiness of individuals and businesses to make informed lending decisions and manage credit risk. 2. Loan Portfolio Management: Developing strategies to optimize the loan portfolio, balancing risk and return while ensuring compliance with regulatory standards. 3. Interest Rate Risk Management: Implementing strategies to mitigate the impact of interest rate fluctuations on the bank's assets and liabilities. 4. Regulatory Compliance: Ensuring adherence to banking regulations and implementing measures to address compliance requirements. 5. Financial Product Development: Contributing to the creation and enhancement of financial products, considering market demand and regulatory constraints. 6. Treasury Operations: Managing the bank's liquidity, investments, and capital to optimize financial performance. 7. Fraud Detection and Prevention: Implementing measures to detect and prevent fraudulent activities, safeguarding the bank and its customers. 8. Customer Relationship Management: Utilizing financial insights to enhance customer relationships, provide tailored financial solutions, and drive customer satisfaction. 9. Financial Reporting for Banking Operations: Generating accurate and timely financial reports for internal and external stakeholders, ensuring transparency and compliance.

Timeline

Dy. manager

Saraswat Bank
01.2013 - Current

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