Your Name
Haripad,KERALA
Summary
Results-oriented banking professional with 8+ years of experience driving growth and customer satisfaction at Bank of Baroda. Proven track record in credit assessment, loan processing, and customer relationship management. Skilled in digital banking, sales and team leadership. Seeking a challenging role to leverage expertise in enhancing operational efficiency and customer experience.
Overview
8
8
years of professional experience
5
5
years of post-secondary education
3
3
Certifications
Work History
Operations Officer / Joint Manager
Bank of Baroda
06.2024 - Current
- Successfully managed Branch operations in a remote rural area
- Developed and implemented strategies to increase market penetration in an underserved rural region.
- Demonstrated ability to thrive in a fast-paced, resource-constrained environment.
- Achieved the target of rural area penetration by 85% .
- Independently resolved complex customer issues, resulting in high customer satisfaction.
- Implemented innovative solutions to improve Branch efficiency and productivity.
- Built strong relationships with a diverse customer base, resulting in increased customer loyalty and referrals.
- Successfully handled customer complaints and turned them into positive experiences.
Operations Officer / Joint Manager
Bank of Baroda
11.2019 - 06.2024
- Exceeded sales targets by an average of 20% through effective cross-selling and customer engagement
- Successfully implemented digital banking initiatives, increasing digital transactions by 70%
- Coordinated the team, improving Branch efficiency and customer service
- Resolved customer complaints efficiently, resulting in a customer satisfaction rating of 100%.
Credit Officer
Bank of Baroda
03.2016 - 11.2019
- Assessed loan applications, conducted pre-sanction visits, and disbursed loans to individual customers
- Achieved a 95% loan approval rate while maintaining low NPAs
- Built strong relationships with customers through excellent communication and problem-solving skills.
Education
Bachelors in Engineering (Electronics and Communication Engineering) -
Visvesvaraya Technological University
Bangalore 07.2009 - 07.2013
POST GRADUATE DIPLOMA IN BANKING AND FINANCE -
MANIPAL UNIVERSITY
Bangalore 12.2014 - 12.2015
Skills
Customer Relationship Management
Credit Analysis
Loan Processing
Digital Banking
Team Leadership
Teamwork
MS Office Suite
Banking Software (FINACLE 10)
Problem Solving
Communication
Adaptability and Resilience
Financial management
Time management
Rural market understanding
Sales
Negotiation
Certification
Anti Money Laundering and Know Your Customer
Timeline
Operations Officer / Joint Manager
Bank of Baroda
06.2024 - Current
Operations Officer / Joint Manager
Bank of Baroda
11.2019 - 06.2024
Credit Officer
Bank of Baroda
03.2016 - 11.2019
POST GRADUATE DIPLOMA IN BANKING AND FINANCE -
MANIPAL UNIVERSITY
12.2014 - 12.2015
Bachelors in Engineering (Electronics and Communication Engineering) -
Visvesvaraya Technological University
07.2009 - 07.2013