Dinesh Pratap has over 20 years of experience working in various roles at Bank of Baroda, one of the largest nationalized banks in India. He has progressed through the ranks from an officer level position to his current executive role. His experience includes a 5-year overseas assignment in South Africa and positions managing several branches of various sizes. He is seeking new opportunities to gain experience in a different work environment and culture after his long tenure at Bank of Baroda.

1. DINESH PRATAP
 dinesh280325@rediffmail.com
 +91 97 71 41 99 68
Address: Flat No 401, Bommarillu, Sivalayam Street, Despatrunipalem, Mandalam Paravada,
Visakhpatnam, Andhra Pradesh-531021, India
PROFILE:
I am currently employed at an executive level with Bank of Baroda, one of the largest nationalized
banks in India. During my 20 years of tenure, I have worked in various areas ranging from Operations
to advances to Foreign Exchange. As my skills and experience advanced, I have been granted varied
opportunities, including opportunities to head branches.
My career path has seen me progress from Officer Level, when I initially joined the bank, through the
ranks, to my current role in the Executive Cadre.
Key highlights of my roles and experience include:
1. Overseas assignment as a Foreign Exchange officer for a period of five years in South Africa.
2. Selected to a faculty position in the organization with accountability for Training and Developing
junior officers and staff.
3. Selected for in-house talent pool and developed skills and experience suitable for Management
within the Corporate Centre of the Organization. Focus area was as part of the team which
managed Domestic Foreign Business operation.
4. Trained as a dealer and have received Bourse training. Have not yet had opportunity to work as
a dealer.
5. Achieved certification from Reuters 3000+ while stationed in South Africa.
6. Core competency is in foreign exchange, where I have worked for 10 of my 19 years with the
bank.
BRANCH MANAGEMENT EXPERIENCE:
I have had four postings as Branch Manager for total duration of six years.
They range from small rural branch/ one officer branch, with total staff strength of -4- persons to a
branch with -21- staff members. The quanta of business handled have been from small corpus of INR
2 Crore (USD 0.40.Mn taking conversion rate as INR 50 for a Dollar) to INR 500 Crore (USD 100
Million taking before mentioned conversion rate). I have quality of taking up responsibilities and rising
to the occasion of organizational demand. This could be substantiated from the fact that the
responsibility of a branch was given to me by the Organization merely on completion of one year of my
job with the Bank.
I justified the faith the Organization reposed in me by turning around the non performing branch to a
performing branch. The branch had huge nonperforming/delinquent assets, and I designed my
strategy towards bringing down Non Performing Assets (NPA) with simultaneous growth of healthy
advances. I also cut down on the flab in operational expenses, which assisted in turning around the
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2. branch to a profit situation, after a decline of many years. In recognition of this, I was rewarded with a
significant improved mark in my employee appraisal, which enabled new opportunities.
In the other branch at Mumbai where twenty one persons reported to me, I was instrumental in the
growth of business by 75%. I mobilized fresh low cost deposit of INR 70 Crore which improved the
profit of the branch. The branch could achieve major targets of deposit and profit.
I have participated with zeal in the goal articulated call by the Prime Minister towards Financial
Inclusion. It was a team led achievement that at the launch of this program, we opened over 200
small accounts in a day.
In my previous assignment, the branch could achieve all committed levels of business. I mobilized INR
150 Crore by liasoning with State Government Officials which was instrumental towards achievement
of business targets and showing growth in business of the branch by 110%.
In my current assignment as a Branch manager of an Authorised Branch in Foreign Exchange Dealing,
I have, with the support of my team members, been able to achieve all the business targets.
Besides the important role of managing and leading the branch, I have also personally focused on key
delivery areas.
The major performance areas in my current posting have been:
Retail loan appraisal, including Housing Loan with its derivatives like Additional assured Advance,
Renovation Loan; Personal Loan, Education Loan, Doctor’s Loan, Pensioner’s Loan, Mortgage Loan,
Vehicle Loan, Future Rent Receivable, Trader’s Loan, Loan against Securities etc, and appraisal of
proposals related to Micro, Small and Medium Enterprises (MSME).
Compliance and Risk management have also been important areas requiring attention. These have
included:
Supervision of post disbursement management including Income Recognition and Asset Classification
(IRAC), legal and non legal measures for recovery under NPA stream, control register maintenance for
proper monitoring of advances portfolio and Management Information System (MIS).
REGARDING MY FORMATIVE YEARS :
I did my schooling from two of the most reputed schools in India, namely, St.Xavier’s School, Patna,
and Delhi Public School, Mathura Road, New Delhi and went on to complete graduation from Patna
University,Patna,Bihar,India.
I have also done MBA in Banking and Finance form Symbiosis Centre for Distance Learning, Pune. I
secured A+(Distinction) with 79.91 % marks.
WHY CHANGE NOW AFTER THIS LONG YEARS OF ASSOCIATION WITH AN ORGANISATION? :
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3. I have had experience of working in different capacities in the organization, and I feel at this point of
time that I am ready for change, and experience new culture, new surrounding and a different work
environment. It would be stimulating and would help me to grow as a person with varied experience.
ORGANIZATIONAL EXPERIENCE
Bank of Baroda January 1996 — Till Date
Executive Cadre
Responsibilities Handled:
• Operation In charge during the initial years of recruitment covering mostly the branch banking,
Rural/Semi Urban Banking with focus on Social banking including Priority Sector lending. The
major gamut of banking experience including streamlining of systems and procedures.
Providing complete and comprehensive information on products, services, charges etc.
proactively to the customer and ensuring better customer service.
• Foreign Exchange In charge for 10 years
• Overseas assignment giving opportunity to learn niche banking and Corporate Banking. Start
up experience, and positioning of the Bank in overseas Territory. Attending to client comprising
of people belonging to Indian Diaspora as well as native populace
• Recognize Business potential for acquiring new customers in the corporate space and formulate
acquisition initiatives.
• Currently heading a big size branch.
• Handling of Retail/SME and C&I Proposal
Achievements:
• Received recognition from upper management for performing well, leading to selection for In
house Foreign Exchange Business stream.
• Selection as faculty Trainer for the organization.
• Selection for overseas assignment in South Africa and posted in Johannesburg for 5 Years.
• Obtaining Reuters Certification from Reuters South Africa.
• The experience of working in different geographies covering rural to small towns to big centers’
and overseas. Assimilating as per the requirements.
• Achieving unit targets and participating in the achievement of Organizational Goal.
EDUCATIONAL QUALIFICATION
1990 Bachelor of Arts(Honors) Patna College, Patna University, Patna, Bihar
1987 Higher Secondary Delhi Public School, Mathura Road, New Delhi
1984-85 Senior Secondary St Xavier’s High School, Patna, Bihar
ADDITIONAL PROFESSIONAL QUALIFICATIONS
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4. CAIIB( Certified Associate of Indian Institute of Bankers)( Both JAIIB and CAIIB)
Certification in Computers from IMC India Ltd
Certification from Reuters South Africa in Reuters 3000 Extra +
Completed Post Graduate Diploma in Banking and Finance from Symbiosis Centre for Distance
Learning,Pune.Scored 79.91 % marks with A+ grade (Distinction)
Strengths: Adaptability, Mobility, Motivated, Able to identify potentiality in people, Single Status
Hobbies: Travelling, Music, Movies and Cooking
Date of Birth: 22nd
October 1968
Dated: 24th February 2016 Dinesh Pratap
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