Nagaraj Kulkarni is seeking a career opportunity where he can utilize his 2+ years of experience in credit management and banking operations. He has an MBA in Marketing and Finance and is currently working as a Junior Officer at City Union Bank Ltd in Hubli, Karnataka, India since August 2013. In this role, he handles credit operations, risk analysis, branch operations, customer acquisition, and staff supervision to provide high value customer service and achieve targets.

1. CURRICULUM –VITAE
NAGARAJ KULKARNI
Contact: +91 – 7829726696 / 0831-2940438 Email: Kulkarni.nagaraj02@gmail.com
Career Objective
Scaling for new heights of success with hard work and dedication, seeking for excellent opportunity where
my knowledge and skills can be effectively utilized for organizational growth as well as personal
achievements.
Educational Credentials
• M.B.A. (Marketing & Finance) from M.P. Birla Institute of Management, Bangalore in 2013.
• BBA (Marketing) Gogte College of Commerce Belgaum, Dharwad in 2011.
• Higher Secondary Examination (Commerce) KLE’s Lingaraj College, Belgaum in 2008.
• Matriculation Examination B.K. Model High School, Belgaum in 2006.
Profile Summary
• An astute professional with over 2 plus year of experience in credit Management and Banking
Operations.
• Knowledge in Pre Documentation and Post Documentation.
• Handled varied responsibilities of Bank viz., credit management, risk management, branch operation
management and marketing.
• Experience in managing general banking functions for smooth business operations
• Proficient at providing value added customer service by resolving their issues & ensuring their
satisfaction with the product and service norms.
• Handling the Clearing (CTS), bank balance & arranging funds in case of requirements and disposing
surplus funds.
• Demonstrated abilities in cementing healthy relationship with channel partners and client.
Proficiency Core Competencies
• Credit Management
• Operations Management
• Branch Administration
• Documentation
• Customer Relationship Management
• Team Management
Professional Experience:
Junior Officer – City Union Bank Ltd. Hubli, Karnataka – India
Since August 2013 to till date

2. Key Result Areas:
• Handling various credit operations including Debt Recovery, conducting risk analysis & scrutinizing
relevant documents before appraising potential business
• Maintaining good business relationship with high net worth customers and ensuring quality services
are provided to them &prompt actions are taken for their issues
• Managing branch operations like account opening, fixed deposits, lockers, jewel loan, LAD, etc.
• Overseeing branch administration, customer acquisition, and ATM management (onsite and offsite)
• Advising customers on the banks products.
• Supervising branch staff for managing to provide high value service to the clients and giving them
feedback on how they interact with customers. Motivate them to not only achieve targets but deliver
great service.
• Monitoring cash levels.
• Working closely with local solicitors, accountants and estate agents.
• Maintain documents as per the RBI’s KYC norms. Verify KYC documents for account opening
forms at branch level.
Highlights:
• Generated business from various sources for the company above 4 corer
• Inspected CASH and ATM at branch level.
• Formulated strategy to convert customer for online transactions.
• Ensure daily deposit review is in place for both the platform and Branch Associates.
• Ensure proper controls are in effect for placing deposit items holds, as needed.
Trainings Attended:
 Systems and Procedures of Banking (Bangalore).
 Refresher Course / Situation Analysis course for one week. (Chennai).
Technical skills:
Office tools : Word, Excel, PowerPoint(Basics)
Banking Software : TCS BaNCS
Personal Details:
Date of Birth: 2 April 1991
Gender: Male
Marital status: Single
Languages known: English, Hindi, Marathi, Kannada, Sanskrit
Residential Address: Residential Address: Flat no C2 2nd floor, Vijaya Villa apartment opposite to
Usha Kiran Apartment Kundanhalli gate bangalore 560037
Date:
Place: Bangalore. Nagaraj G. Kulkarni