This document is a resume for Atul Soni seeking a challenging position in retail agri lending operations within a progressive bank. It summarizes his 7 years of experience in agri lending and retail banking operations at HDFC Bank as Deputy Manager of Retail Agri Lending, where he is responsible for a portfolio of 417 clients worth 27 crore rupees. It also outlines his previous experience of 5 years at ICICI Bank in customer service management and 3 years of marketing experience in his early career.

1. ATULSONI
Mobile:+91-8818898654 ~ E-mail:sonie.atul@gmail.com
Address: M-9,Balak Hill View, Shivaji Nagar Ward, Tili Road, Sagar, Madhya Pradesh
Seeking challenging assignment in the area of Retail Agri Lending Operations within a progressive and reputed Bank
PROFILE SYNOPSIS
 Certified PGDBO with 7 years of post-qualification experience in Agri Lending, Retail Assets, Retail Branch Banking,
Corporate Banking&Finance coupled with 3.3 years of marketing experience.
 Presently working with HDFC Bank as Deputy Manager – Retail Agri Lending.
 In-depth knowledge and understandingof banking processes and procedures related to retail Agriculture Lending including
KGC, Term Loan, and Cross Selling of various products.
 Proficient in day to day branch administration/operations, work scheduling, monitoring performance and ensuring
compliance to SLA and all regulatory standards.
 Sound understanding of all processes and systems connected with banking industry; conversant with RBI guidelines and
other statutory obligations.
 Keen strategist who transforms strategic plans into workable solutions and bench marks for performance against key
operational objectives.
 An unwavering commitment to customer service, with the ability to build productive relationships, resolve complex is sues
and win customer loyalty.
 High integrity, energetic leader known for ability to envision and create successful outcomes in complex multicultural
environment.
CORE COMPETENCIES
• Retail Agri Lending • Portfolio Management • Branch Banking Operations
• Client Relationship Management • Regulatory Compliances • Business Development
• Cross Functional Coordination • MIS Reporting • Team Management
NOTABLE ACCOMPLISHMENTS
 Recognized for excellent performance with CertificateofCustomerSamratforyear2012-13.
 Received CertificateofChanakyaforexcellenceperformanceforyear2012-13.
 BaggedKnowledgeChampionawardforyear2011-12inPANIndia.
 Won1stpositioninBestR&Rforyear2011-12inPANIndia.
 Felicitated withCertificateof3rdEyeforexcellenceperformanceforyear2011-12.
 Recipient of CertificateofRecognitionforMigrationofnewProfundssysteminPANIndia.
ORGANIZATIONAL EXPERIENCE
Since Mar’ 14 HDFC Bank, Sagar, M.P. Deputy Manager in Retail Agri Lending
Accountabilities
 Source agri lending products like crop loans, term loans, Kisan Gold Card, Small Agri business loan.
 Accountablefor managing portfolio of 417 clientworth INR 27 CR and responsiblefor rotation of the all existing A/C on time
with zero LAD, zero PDD, on time limit renewals and assurance of maintaining the minimum standard NPA/LNPA.
 Responsible for effective management of existing portfolio post disbursal formalities.
 Facilitate loan appraisal, personal discussion with borrower and Credit Appraisal Memo preparation, documentation and
creating mortgage.
 Execute loan documents including pre and post sanction disbursement formalities.
 Identify and bring up a new business opportunities to increase growth in bank’s assets and expand client base.
 Built and maintained professional relationships with all customers and bank staff for effective management of assigned
portfolio through optimum utilization of resources.
 Recommend and implement various strategies to reduce processing costs for organization and ensure authenticity of all
information.
 Provide support to all branch operations and managed all communication with branch staff in meetings and ensured
compliance to all production and finance activities.
 Comply and ensure adherence to all established bank guidelines and policies.
 Ensure effective service delivery on time to all bank clients in a professional way with the coordination of various bank
departments/verticals.
 Create new revenue opportunities and enhance value proposition to the end customer.
 Plan and strategize to ensure a maximum quality business penetration through allocated resources and existing
opportunities.

2. Feb’08- Mar’14 ICICIBank Customer Service Manager/ Officer, CMS HUB
Key Assignments Handled
Customer Service Manager, Morena (Jul’13- Mar’14)
 Performed dataminingandlarge-scalecustomerdatabasedatainterrogationandmanipulation.
 Investigated and solved customers' problems, which may be complex or long-standing problems that have been passed on
by customer service assistants.
 Managed feedback or complaints procedures for customers to use.
 Coordinated with cross functional work areas targeted to resolve issues raised by customer.
 Assessed the customer feedback, evaluate areas of improvements & provide critical feedback to the associates on
improvements and achieve higher customer satisfaction matrices.
 Retained customers by providing best possible service in terms of immediate response to enquiries, quick execution of
orders & by keeping the customers updated.
 Arranged networking events with local businesses and represented the bank at these and promoted its services and
products.
 Accepted overall responsibility for the banks products like FD/RD, NEFT/RTGS, personal loans, credit cards, unsecured loans
and overdrafts.
Officer, CMS HUB Mumbai (Feb’08-Jul’13)
 Handled all branchqueries such as CMS,lodgement,returns,clearingetc.
 Monitoredtransactionregardingprovisionalcreditspassedtotheclientsandfollow-upwithdraweebanksforthefunds.
 Crossedverifiedcashentriesformorethan25Lacsonadailybasis.
 Ensured alltheupcountryInstrumentlodgedunderspeedclearing&flashingMIStothedefaulterbranchesandRPC'sonadailybasis.
 Developed and implemented process and procedures to improve operational efficiency.
 HandledtheCMSEODprocessforCMSsystem.
 TrackedfundsreceivedfromCorrespondentbankagainstfundstobereceivedaspersystemandapplyingfundsinCMSsystem.
 CoordinatedwithcorrespondentBankbranchesforpendingfunds.
 PreparedMISreportsforfundsnotreceivedfromcorrespondentbankandflashingthesameinternallytohigher authorities.
 Monitoredreportsreceivedfromvendorsreceivedonadailybasisandverificationofsystementries.
 Preparedvendor/correspondentbankratingonamonthlybasisbasedonpre-definedparameters.
 Monitored and evaluated vendorperformance/correspondentbankperformance&flashingMIStotheconcernedstakeholders
PREVIOUS ASSIGNMENT
Jun’03-Mar’07 Outpostmagazine(DilasharamPress&PackagingsPvt.Ltd.)Gwalior, M.P
Deputy Manager – Circulation (Sep’05-Mar’07); Marketing Executive (Jun’03-Aug’05)
ACADEMIC CREDENTIALS
 PGDBO from I.F.B.I, NIIT, Ahmedabad, First Class, 2008
 CIC from Indira Gandhi National Open University, Delhi, Second Class, 2007
 B.Com from Dr. Hari SinghGaur University, Sagar, Madhya Pradesh, Second Class, 2003
PERSONAL DETAILS
Date of Birth : 25th October 1981
Languages Known : English & Hindi
Permanent Address : FH - 267,DeenDayalNagar,Gwalior, Madhya Pradesh
Preferred Location : Madhya Pradesh