This document contains the resume of Jyoti Choudhary, who is currently a Senior Manager - Retail Channels & Liabilities Group at ICICI Bank Ltd. in Mumbai, India. She has over 16 years of experience in banking with a focus on retail branch operations, process improvement, product management, and compliance. Her experience includes roles as a Branch Manager, Branch Operations Manager, and Product Manager for Retail Bullion. She has developed online applications and modules to improve processes and customer service delivery while reducing costs.