Jyoti Choudhary is seeking a senior position in a growth-oriented organization that utilizes her 15 years of experience in retail banking at ICICI Bank. She has expertise in managing all aspects of branch banking and holds certifications in AML, KYC, AMFI, and NCDO. Her past roles at ICICI Bank include Branch Manager, Product Manager for Retail Bullion, and Process Manager, where she successfully implemented process improvements and launched new products and services.

1. Jyoti Choudhary
Present Address:
Shiv Kutir, RH-4, Sector-29, Vashi, Navi Mumbai 400703.
Mobile – 9930064995
Email id – jyotic@outlook.com
LinkedIn Profile
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Job Objective
Seekingaresponsible seniorpositioninagrowthorientedorganization that utilizes my experience and
expertise in Retail Banking.
Skills include Process Improvement, Retail Operations, Business Development, Audit & Compliance
Professional Dossier
Manager withICICIBank with total work experience of over 15 years and expertise in managing entire
spectrum of Branch Banking functions with AML & KYC certification from IIBF.
Total Work Exp: 15 years
Present Organization: ICICI Bank Ltd. (Manager - Retail Channels and Liabilities Group)
Past Organization:
-IMS Learning Resources Pvt. Ltd. – Leader in education industry for training students for various
Entrance examinations in India & Abroad
-Microwave Communications Pvt. Ltd. – A flagship company of HFCL group of companies, providing IT
and Paging Services across India, under the brand name Pagelink
About Myself
Highly Process and Goal driven, tenacious banking professional, demonstrating delivery in a highly
competitive industry. Strong leadership and team player, excellent motivational skills to build and
sustainforwardgrowthmomentum. Experiencedinmanagingvariousfunctionsof Retail Branchbanking
and looking to contribute in the following domains:
 Asset Process Improvement (HL/AL/CV/PL/ Credit Cards / Jewel Loan)
 Product Management
 Banking Operations
 Audit & Compliance
 Customer Relationship Building & Service Delivery
ICICI Bank Ltd- Process Manager From Apr 2014 till date
 Reviewing existing retail and RIB asset processes at branches
 Recommending process modifications and ensuring implementation at branches
 Evaluating alternate channels for enhancing customer service
 Partnering with senior management and liaisoning with stakeholders to drive process
improvement
 Conductingstaff training for ensuring process adherence at branches as per guidelines
 Reiterating compliance guidelines to the field

2. Results achieved:
 Successfullyimplementedmore than ten new / revised processes within a span of one
year leading to reduction in customer service rejections from 5% to 1%
 Instrumental in development and successful launch of Finnone – Finacle Interface at
branches for executing seamless customer service. Expected annual cost saving of Rs.
1.5 million
ICICI Bank Ltd- Product Manager – Retail Bullion From Jan 2012 till Mar 2014
 Achievingannual businessplan(especially corporate bulk sales) in accordance with the
overall objectives established by the management
 Formulating the branch marketing for timely execution of marketing campaigns
 Monitoring competition closely
 Reiterating compliance guidelines to the field
ICICI Bank Ltd – Branch Manager From Nov 2009 till Dec 2011
 Ensuring focused growth of the CASA portfolio
 Deposit mobilization
 Fee generation through cross sales of third party financial products
 Addressing customer grievances
 Carry out monthlyauditof the branchto ensure the operational and service excellence
 Ensuring periodic training of the staff
Results achieved:
 Successfully launched a new branch and increased the GL size of the branch to Rs. 5
crores in 5 months
 Consistently achieved fee targets set in all areas of investment products
 ToppedInternal AuditPAN Indiawithascore of 98.3% (7 star rating)
Other Profiles:
ICICI Bank Ltd. - Branch Operations Manager From Dec 2007 till Oct 2009
ICICI Bank Ltd. - Assistant Manager From May 2006 till Nov 2007
IMS Learning Resources Pvt. Ltd. - Centre Manager From Sep 2002 till May 2006
Microwave Communications Pvt. Ltd. - Customer Relation Officer From Aug 1998 till Oct 2001
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Credentials
Education
 2004 – PGDBA from Symbiosis Centre for Distance Learning, Pune
 1998 – Bachelor of Arts (English Lit.) Mumbai University
 1994 - H.S.C from Maharashtra State Board
 1992 – S.S.C from Maharashtra State Board
Other Certifications:
 2011 – Diploma in AML and KYC from IIBF

3.  2009 – Certification from AMFI and NCDO