Vivek Ahuja
New Delhi
Summary
Banking professional with extensive experience at UCO Bank, specializing in credit analysis and new client acquisition. Proven track record in enhancing customer satisfaction and mentoring junior staff while managing teams of 8 to 10. Expertise in conflict resolution and team collaboration, resulting in operational improvements and adherence to regulatory standards.
Overview
13
13
years of professional experience
Work History
Chief Manager
UCO Bank
New Delhi
04.2023 - Current
- Led implementation of banking policies and procedures across branch operations.
- Ensured compliance with regulatory standards in all banking activities.
- Facilitated interdepartmental communication to optimize workflows and processes.
- Mentored junior staff, fostering professional development and knowledge sharing.
- Conducted strategic planning initiatives to identify growth opportunities.
- Analyzed branch performance data to pinpoint areas needing improvement.
- Built strong customer relationships, enhancing satisfaction and loyalty.
- Resolved customer inquiries promptly, maintaining high service quality.
- Assessed customer creditworthiness based on financial reports, payment histories and other sources of information.
- Evaluated customer applications for credit limits in accordance with established guidelines.
- Reviewed accounts for signs of fraud and non-payment issues.
- Evaluated credit applications for individual and business clients.
- Analyzed financial statements to assess creditworthiness and risk levels.
- Recommended credit limits based on thorough analysis of applicant data.
- Collaborated with loan officers to resolve client inquiries and concerns.
- Prepared detailed reports on credit decisions for internal review meetings.
- Monitored client accounts for compliance with credit policies and regulations.
- Recommended approval or disapproval of different loan types based on established criteria.
- Collected and checked borrower income, credit history and employment information.
- Reviewed credit applications and financial statements to determine customer creditworthiness.
- Analyzed customer accounts, payment trends, and credit ratings to assess risk of default.
- Prepared detailed reports summarizing customer profiles, risk assessments, and recommendations for approval and denial of new lines of credit.
- Followed banking requirements and government lending regulations.
- Maintained accurate records of all customer interactions including notes on conversations and decisions made.
- Ensured that all relevant documents were collected before making a decision about granting a line of credit.
- Provided training and guidance for junior staff members in order to help them develop their skills as Credit Officers.
- Assessed property appraisals, title histories and insurance information.
- Examined collateral to establish market value and assessed repayment capacity using secondary revenue sources before loan approval.
- Responded promptly and professionally to inquiries from customers regarding their accounts.
- Negotiated payment plans with delinquent customers in order to minimize losses due to non-payment.
- Performed periodic audits on customer accounts in order to verify accuracy of information provided by applicants.
- Trained rookie credit staff in application processing, credit analysis and loan disbursement to detect and curb fraud.
- Determined credit approval based on financial standing, credit records and payment history.
- Double-checked account and application information provided by clients to assist in making accurate credit decisions.
- Forecasted credit needs and client payment abilities to support accurate and effective decision-making.
- Met with credit applicants to acquire personal and financial information used to process credit report.
- Provided customer credit information to official representatives from banks and other financial institutions.
- Verified current and historical residences, property ownership and various types of debt by accessing public records and directories.
- Analyzed credit data to assess customer risk and make lending decisions.
- Evaluated financial statements to determine borrower creditworthiness and repayment ability.
- Monitored credit accounts for compliance with established policies and procedures.
- Reviewed loan applications and verified applicant information for accuracy.
- Reviewed and analyzed financial statements of potential borrowers to determine credit worthiness.
- Evaluated the performance of existing customers by analyzing their past repayment behavior as well as current account status.
- Monitored customer accounts to ensure timely payments were made in accordance with loan agreements.
- Maintained accurate records of all transactions related to credit activities.
- Provided recommendations regarding loans applications based on sound credit evaluation principles.
- Performed due diligence on new applicants by verifying income, assets and liabilities through public records or third-party sources.
Senior Manager
UCO Bank
Dehradun
05.2018 - 03.2023
- Analyzed customer feedback to identify process optimization opportunities.
- Evaluated credit applications for individual and business clients to determine eligibility.
- Assessed financial statements for creditworthiness and risk levels.
- Recommended credit limits based on comprehensive analysis of applicant data.
- Prepared detailed reports on credit decisions for internal review discussions.
- Monitored client accounts to ensure compliance with credit policies and regulations.
- Collected and verified borrower income, credit history, and employment information.
Manager
UCO Bank
Lucknow
04.2016 - 04.2018
- Evaluated credit applications for individual and business clients.
- Analyzed financial statements to assess creditworthiness and risk levels.
- Prepared detailed reports on credit decisions for internal review meetings.
- Oversaw daily branch operations and ensured compliance with company policies.
- Managed staff performance through training and mentoring programs.
- Developed branch strategies to enhance customer service and satisfaction.
- Fostered relationships with key clients to drive business growth and retention.
- Led team meetings to communicate goals and align staff efforts effectively.
- Directed daily operations of the branch, including customer service, human resources, sales and marketing activities.
- Managed and inspired team members to perform to full potential, driving branch profitability.
- Conducted regular performance reviews for all employees in the branch.
- Monitored financial performance of the branch on a monthly basis.
- Resolved escalated customer complaints in a timely manner.
- Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
- Developed strategies to increase customer satisfaction and loyalty.
- Disciplined employees to encourage compliance with company policies and procedures.
- Boosted customer base, acquiring new customers and identifying needs to deliver relevant products.
Assistant Manager
UCO Bank
Varanasi
02.2013 - 03.2016
- Managed daily operations of the branch, ensuring smooth branch operation.
- Developed and implemented operational procedures for efficient operations management.
- Resolved customer complaints in a timely manner while maintaining high levels of professionalism.
- Inspected physical condition of the premises on a regular basis to ensure compliance with health codes.
- Provided support to visitors in a courteous manner.
- Assisted customers with inquiries and provided tailored product recommendations.
- Maintained organized branch environment to enhance customer experience.
- Collaborated with team members to ensure smooth daily operations.
- Resolved customer issues effectively to promote satisfaction and loyalty.
- Provided excellent customer service by responding to inquiries in a timely manner.
- Resolved customer complaints in a professional manner.
- Collaborated with other departments to resolve complex customer issues.
- Assisted customers with opening new accounts, deposits, withdrawals and loan applications.
- Performed daily maintenance of ATMs located within the branch area.
- Performed daily cash balancing activities and monitored the vault for accuracy.
- Conducted regular audits of branch operations and identified areas for improvement.
- Enforced compliance regulations such as KYC standards.
- Offered every customer exceptional service levels by remaining friendly and professional during every transaction.
- Resolved problems or discrepancies concerning customers' accounts.
- Verified amounts and integrity of every check or funds transfer.
Education
BBA - Finance
Shri Guru Ram Rai University Formely SGRRITS
Dehradun06-2010
Skills
- Strategic planning
- Conflict resolution
- Team leadership
- Problem solving
- Credit analysis
- Mentoring junior staff
- Customer relations
- Organizational improvement
- Influencing and negotiating
- Change management
- Team collaboration
- Positive attitude
- Teamwork
- Good judgment
- Crisis management
- Team building
Languages
Hindi
First Language
English
Advanced (C1)
C1
Affiliations
- Motivating team
- Public speaking
Timeline
Chief Manager
UCO Bank
04.2023 - Current
Senior Manager
UCO Bank
05.2018 - 03.2023
Manager
UCO Bank
04.2016 - 04.2018
Assistant Manager
UCO Bank
02.2013 - 03.2016
BBA - Finance
Shri Guru Ram Rai University Formely SGRRITS