This resume summarizes the professional experience of Poonam Bhagat Kadam, who has over 12 years of experience in banking operations, branch administration, customer relationship management, and processing retail loans and credit monitoring. She is currently employed as the Branch Manager at Oriental Bank of Commerce in Silvassa. She holds an MBA in Finance and certifications in banking. Her experience includes roles managing various branches and processing retail loan portfolios.

1. POONAM BHAGAT KADAM
Mobile: +919821766355/7506936355 ~ E-Mail: poonambhagat2012@gmail.com
Seeking career assignments in Corporate Finance /Retail Loans Portfolio/ Credit Monitoring/
Branch Operations / Customer Relationship Management / Business Development with a growth
oriented organisation of high repute preferably in the Banking and Financial Service sector.
Summary
 A competent professional over 12 years of experience in Banking Operations, Branch Administration,
Customer Relationship Management, Processing of Retail Loans and Credit Monitoring.
 Promoted as Senior Manager w.e.f 01.07.2015.
 Currently employed with Oriental Bank of Commerce, B/o Silvassa as Branch Manager since Feb 2016.
 Master of Business Administration (Finance) from NMIMS (Narsee Monjee Institute of Management
Studies) University,
 Adept at managing customer centric banking operations & ensuring customer satisfaction by achieving
delivery & service quality norms by resolving their service related critical issues.
 Abilities in organizing, interpreting and communicating market information / data to facilitate the decision
making process of the top management.
 Possess excellent interpersonal, communication and organizational skills with proven abilities in training &
development, customer relationship management and planning.
Educational Qualifications
Certifications
 Junior Associate in Indian Institute of Banking (JAIIB) from Indian Institute of Banking & Finance,
Mumbai in May 2006.
 Certified Associate in Indian Institute of Banking (CAIIB) from Indian Institute of Banking & Finance,
Mumbai in May 2009.
Work Experience
Oriental Bank of Commerce, Kandivali Officer Since Apr’04
Oriental Bank of Commerce, Malad Malwani Manager Since Jan 2011
Oriental Bank of Commerce, Regional Office, Mum Manager Since June 2011
Oriental Bank of Commerce, Silvassa Senior Manager Since Sept 2015
Key Responsibilities
Branch Operations
 Handling branch operations with key focus on bottom line profitability by ensuring optimal utilization of
available resources.
 Performing account opening formalities (Savings, Current, Over Draft, Deposits and Demat) of
Domestic/Non Resident Individuals and Organizations.
Master of Business Administration (Finance)
NMIMS (Narsee Monjee Institute of Management Studies) University, Mumbai (Part Time) in 2010
Master of Commerce
Mumbai University in 2003.
Bachelor of Commerce
Mumbai University in 2001.

2.  Responsible for:
→ Ensuring efficient operations by maintaining speed and accuracy and adhering to documented
processes, procedures and controls.
→ Doing RTGS and Electronic Funds Transfer transactions at the branch level.
 Executing and authorising instructions at the branch level (Both NSDL & CDSL); processing of Demat
requisition forms and updating the modifications in accounts viz., PAN number.
Customer Relationship Management
 Managing customer service operations, ensuring customer delight by achieving delivery & quality service
quality in the shortest possible time.
 Building & maintaining healthy, cordial mutually beneficial business relationship with customers.
 Resolving all customer complaints and escalations.
Business Development
 Managing the business development operations of personal loans, mutual fund schemes, and various other
retail banking products and accountable for increasing sales growth.
 Driving sales initiatives to achieve business goals & managing the frontline sales team to achieve them.
 Exploring new business opportunities in various segments along with concerned branches.
Oriental Bank of Commerce, Regional Office Manager Since June 2011
 Processing of Retail Loan Portfolio, Staff Loans & CGTMSE cases.
 Credit Monitoring with tools like BCC, STM 41, MOR, Stock Audit, LRM etc.
 Consolidation of various reports submitted by Branches and providing support to Branches.
 Appointment of Statutory Auditors, Stock Auditors etc.
Oriental Bank of Commerce, Silvassa Senior Manager(Loans Incharge) Since Sept 2015
Key Responsibilities
Branch Operations
 Responsible for:
→ Ensuring efficient loans desk and other operations by maintaining speed and accuracy and adhering to
documented processes, procedures and controls.
→ Processing, Documentation, Disbursement and Monitoring of loans. Follow up for SMA and NPA
accounts.
Customer Relationship Management
 Managing customer service operations, ensuring customer delight by achieving delivery & quality service
quality in the shortest possible time.
 Building & maintaining healthy, cordial mutually beneficial business relationship with customers.
 Resolving all customer complaints and escalations.
Business Development
 Managing the business development operations of retail and conventional loans, mutual fund schemes, and
insurance business and accountable for increasing sales growth.
 Driving sales initiatives to achieve business goals & managing the frontline sales team to achieve them.
 Exploring new business opportunities in various segments along with concerned branches.
Oriental Bank of Commerce, Silvassa Senior Manager(Branch Manager) Since Feb 2016
Key Responsibilities
Branch Operations
 Handling complete branch operations with key focus on bottom line profitability by ensuring optimal
utilization of available resources.
Customer Relationship Management

3.  Managing customer service operations, ensuring customer delight by achieving delivery & quality service
quality in the shortest possible time.
 Building & maintaining healthy, cordial mutually beneficial business relationship with customers.
 Resolving all customer complaints and escalations.
Business Development
 Managing the business development operations of personal loans, mutual fund schemes, and various other
retail banking products and accountable for increasing sales growth.
 Driving sales initiatives to achieve business goals & managing the frontline sales team to achieve them.
 Exploring new business opportunities in various segments along with concerned branches.
Previous Assignments
Feb’04-Mar’04 with Sterling Incorporation, Mumbai, (DSA- Kotak Mahindra Bank)
As: Sales Coordinator – Loans.
Personal Details
Date of Birth : 27th
July’ 1980.
Present Address : C-1206, RNA Complex, Sunder Nagar, Kalina, Santacruz East, Mumbai - 400098
Language : English, Marathi and Hindi.
Preferred Location : Mumbai.