1. RESUME
Jyoti Khurana H.No.- 145 Sharma Nagar,
Near Saket, Meerut -250001
(M) +91 9758974238
Email: jyoti.khurana196@gmail.com
CAREER OBJECTIVE:
Looking for a challenging opportunity in a competitive organization where I shall be a key
member in the growth and success of the company.
CURRENT PROFILE
20 Sept 2011 - Till date, Reliance Life Insurance Co. Ltd (UPW-Meerut) as
Sr. Branch Service Executive.
Reliance Life Insurance offers us products that fulfill our savings and protections needs. Its a
part of Reliance - Anil Dhirubhai Ambani Group. Reliance Capital is one of India’s leading
private sector financial services companies, and ranks among the top 3 private sector financial
services and banking companies, in terms of net worth.
My Responsibilities Includes:
 New Business Application being processed in reasonable TAT after underwriting.
 Ensure Quality Standard of Application is met.
 Coordination for issuances of policies with Central Operations and Central
Underwriting.
 Retaining our valuable customers against their surrender request and encourage
them to carry policy by give premium on time.
 Customer Query and Servicing of Customer Request & complaints.
 EOD reconciliation for the business, which has been logged during the day, and for
the month at the branch, which banked with Deutsche Bank and CMS.
 Handling all types of claims which includes Death, Accidental & Medical.
 Recruitments of company Advisors and preparing the Training schedule for
advisors which is giving by Dream Weavers.
 Managing Petty Cash Expenses & Reimbursement and Branch Bill Payment to
Vendor Process.
 Lay down Process for Smooth Functioning of Operation and Maximum Support to
Sales Team
Achievements:
• Above 100% Achievement of renewal targets in continuous manner.
• Have been able to record a Satisfactory Audit Rating in Regional Office Meerut.
• Awarded by Regional Manager & Zonal Business Head as “Best Team Player” in
entire Noida Region.

2. PREVIOUS EXPERIENCE
16 Nov 2010 – 14 Sept 2011, ADFC (Sister concern company of HDFC
Bank) as a Phone Banking Officer.
The Housing Development Finance Corporation Limited (HDFC) was amongst the first to
receive an 'in principle' approval from the Reserve Bank of India (RBI) to set up a bank in the
private sector, as part of RBI's liberalization of the Indian Banking Industry in 1994.
My Responsibilities Includes:
 Work with the various internal departments for all customer grievances.
 Retaining customers after analyzing their actual problem with the help of all
servicing and retention tools by resolving all complaints and all banking issues.
 Coordination with all the function heads as well as with all relationship
managers/executives to understand the customer needs and serves them in a way
they desire.
 Cross-Selling of all banking products such as CASA, Credit Cards, Gold Loan,
Home Loan, General Insurance, Life Insurance.
PROFESSIONAL TRAININGS ATTENDED
• ‘Surrender Retention ’ – Three days Training program which covered the Need analysis
of the customer and how to retain the customer with an aim to serve them in their own
desired manner .
• “Branch Operations Underwriting’’ – Online Training Program for better scrutinizing
and processing of the new applications as per the norms and conditions of Insurance.
• “Branch Operations Claims’’– Online Training Program for Claims Related information
which helps to Consoling the beneficiary of the Customer mentally as well as financially.
PROFESSIONAL INTERNSHIP
Apr 09 – Jun 09, HDFC SLIC as a Management Trainee (Marketing)
My Responsibilities Includes:
• Critical Analysis of Initiatives Adopted For Products of HDFC SLIC.
• To sell 2 Insurance policies and recruit 4 Financial Consultants.
Key Learnings :
• Exposure to the policies of Life Insurance as well as General Insurance.
• Applauded for insightful derivations, which helped in understanding the consumer.
Key Findings :
Trust needs to be developed among the customers both as far as the Insurance Policies as a
product is concerned and about the various products and services offered by the company.

3. ACADEMIC PROJECTS
• Research Report on comparison of FLY Mobiles with others under the guidance of Mrs. Shilpi
Jain (Marketing)
• Analysis of Recruitment & Selection Procedure of TATA CONSULTANCY SERVICES under
the guidance of Dr. Deepali Monga.
• Project Research Report on Mutual Funds Titled “Perception of People regarding Mutual Funds”
under the guidance of CA Ekta Jain.
ACADEMIC QUALIFICATIONS
Examination Year Institution Specialization
Master of Commerce 2013 C C S University Commerce
Master of Business Administrations 2010 Vidya School of Business Meerut Finance
Marketing
Bachelor of Commerce 2008 Meerut College Meerut Commerce
Higher Secondary (U.P Board) 2005 Shanta Smark Girls` Inter College
Meerut
Commerce
Secondary (U.P Board) 2003 Haward Plested Girls` Inter
College Meerut
General
PERSONAL DETAILS
FATHER’S NAME : Mr. Ramesh Chand Khurana
DATE OF BIRTH : 11th
Jun 1987
NATIONALITY : INDIAN
LANGUAGES KNOWN : ENGLISH &HINDI
MARITIAL STATUS : SINGLE
Declaration:
I hereby, declare that the information furnished above is true to the best of my knowledge.
Date:
Place: Meerut Jyoti Khurana