This document contains a summary of Nitin Gaurav's work experience and qualifications. He has over 11 years of experience in banking operations, business development, credit appraisal, and team management. Currently he works as a Deputy Manager at Lakshmi Vilas Bank Ltd in their credit department, where he is responsible for processing retail credit proposals and monitoring loan repayments. Previously he held positions as a Branch Head and Assistant Manager at Lakshmi Vilas Bank Ltd, growing business and managing branch operations. He holds an MBA in banking and a bachelor's degree in e-commerce.

1. NITIN GAURAV
E-Mail: nitingaurav@gmail.com
Phone: 0120-2587559, Mobile: 098714 68855
~Banking Operations ~
11 years of rich experience in Banking Operations, Business Development, Key Account, Client
Relationship, Bank Asset Management and Team Management.
 Having in-depth knowledge of all banking operational details, fundamentals and principals.
 Deft in overseeing retail banking operations with distinction of setting processes for increased
efficiency.
 Abilities in enhancing sales and marketing revenues and accomplishing profitability norms.
 Credit appraisal, documentation, disbursement, monitoring and control.
 Demonstrated skills in team management coupled with excellent organizational ability.
May 2015 Onwards: Lakshmi Vilas Bank Ltd., Credit Department Regional
Office, Mumbai
Designation: Deputy Manager
Internal Grade: Deputy Manager (Scale II)
Roles & Responsibilities:
 Key Member of the newly formed centralized credit processing cell at Regional Office Mumbai for
retail asset products like; LAP, Vehicle Loan, Business Loans, Home Loan etc.
 Processing of retail credit proposals submitted by branches.
 Analysis of financial statements of the applicants, processing the proposals as per the banks laid
down norms, scrutinizing of documents, CIBIL reports etc.
 Collection of required information and documents for finalizing the sanction, drafting the sanction
order by incorporating necessary and required conditions for compliance for safeguard of bank
interest.
 Appointment of auditors for required audits (pre-disbursement /post-disbursement/ stocks &
receivables), analysis of reports, necessary corrective actions to be adopted for the account.
 Monitoring the re-payment of the account, calculation and allotment of Drawing Power in cash
credit accounts.
 As a mentor for an assigned branch; Monitoring & Tracking branch asset book growth & providing
guidance for compliance of sanction order conditions & documentaion for successful disbursement
of a sanctioned facility.
Nov 2011 to May 2015: Lakshmi Vilas Bank Ltd.
Designation: Branch Head
Internal Grade: Deputy Manager (Scale II)
Performance Snapshot:
Headed two different retail branches with a maximum team size of 11 members.
 Managed a branch with business size of more than Rs. 27.50 Crore
 Registered a growth of 83% in CASA, 10% in Total Deposits, 215% in Advances and 18% in overall
branch business as on 31st March 2015 from the date of joining.
 Registered a growth of 79% in CASA, 22.34% in Total Deposits, 161% in Advances and 29% in
overall branch business as on 31st March 2015 YOY.

2.  Introduced Gold Loan product in the branch with the initial dibursments in tune to Rs.4.75 Lacs in
the first month of introduction.
 Managed a branch with business size of more than Rs.73 Crore
 Registered a growth of 123% in CASA, 110% in Total Deposit and 98% in overall branch business
as on 31st March 2014 from the date of joining.
 Recoveries and successful closure of 4 NPA/stressed accounts of the branch in tune to Rs.62 Lacs
 Received appreciations from LIC of India, Birla Sunlife MF, DSP BR MF for branch performance and
achievement of targets assigned
Responsibilities & Ownership – As a Branch Head
 Responsible for meeting the assigned branch budgets in CASA, RTD, Advances, Parabanking.
 Drafting of business strategies and implementation for successful achievement of allotted business
targets.
 Managing various operations involved in Credit like; sourcing of credit proposals, appraising,
conducting risk analysis,feasibility and financial analysis,loan sanctioning& disbursement.
 Designingand monitoring the branch level systems and procedures to ensure best services getting
delivered to the customers in minimum possible time frame.
 Recruitment of sales team as per the requirement of branch.
 Overall branch administration and ensuring all available F&F are in working condition and
maintained to efficiency.
 Expansion of off-site ATM’s as per the banks allocation. Shortlisting of best sites as per the banks
laid down norms, liasoning, supervising the interior and civil work, execution of lease deed etc.
 Ensuring that customers experiences best services and their needs are understood and met
through financial product offerings of the Bank
 Recording & resolving complaints as per the specified process within the stipulated TAT and
avoiding escalations.
 Understanding and managing the strengths & weaknesses of each and every member of the team
and assigning task capable of delivering to the best of efficiency.
 Responsible for all related process checks as custodian of vaults and joint custodian of systems
administration and setup within the branch
 Ensuring all laid down system and process are followed as stipulated by Audit and Senior
Management by carrying out Monthly / Periodic Verification of Auditable items at branches
 Leading, training & monitoring the performance of team members to ensure efficiency in retail
banking operations and meeting of individual & group targets.
 Ensuring branch compliance to all regulatory guidelines and rules laid down by GOI, RBI, Income
Tax Dptt. Etc. without fail.
 Cash management of the branch in accordance to the assigned CRL as well to balance liquidity.
Dec 2008 – Nov 2011: Lakshmi Vilas Bank Ltd
Designation: Assistant Manager
Internal Grade: Assistant Manager (Scale I)
Responsibilities & Ownership:
 Managing of bank operations involving authorization of vouchers and transactions, front-end
operations for savings, current & term Deposits, remittances, teller counter, clearing desk and front
& back office and cash management on iFlexFlexcube 6.6.
 Designing and presenting MIS to provide feedback to upper management on financial performance.
 Executing customer centric banking operations & ensuring customer satisfaction by achieving
delivery & service quality norms.
 Maintaining tax records and all the necessary information pertaining to retail banking in
compliance statutory, RBI audit & banking regulations.
 Handled tasks pertaining to:
- Anywhere banking transactions, wires and processing of bank entries as per instructions.

3. - Clearing Operations regarding clearing of settlement accounts, database maintenance and MIS
generation relating to back office/clearing accounts sent to corporate Office.
- Electronic Clearing System (ECS), Bills Desk: OBC’s / IBC’s lodgement& realization.
- Locker Operations for ensuring safety of the safe deposit vaults and lockers.
- Monitoring and ensuring safe keeping and handing over of deliverables like ATM cards/PIN
mailers, net banking PIN mailers, cheque books, etc. to the customers.
- Carrying out of Inter bank funds transfer through RTGS/NEFT.
Performance Snapshot:
 Appreciated for Mutual Fund Campaign for Kotak MF
 Listed amongst top 10 employees PAN India and top 3 in our region for NPA recoveries made
during FY 2010-2011
 Instrumental in grabbing a corporate account of Indian Mercantile Co-op bank ltd., Noida In tune to
Rs. 45 Crore.
July 2005 - Dec 2008: Lakshmi Vilas Bank Ltd
Designation: Operations Clerk
Internal Grade: Clerk
Responsibilities & Ownership:
 Initialization of bank operations transactions, front-end operations for savings, current & term
Deposits, remittances, teller counter, clearing desk and front & back office and cash management
on IFlexFlexcube 6.6.
 Handled tasks pertaining to:
- Cash counter (both remittances and payments) handling, completion of clearing activity (both
O/w and I/w) from counter to clearing house level.
- Issuing Demand Drafts (Inland), affecting funds transfer between accounts.
- Clearing Operations regarding clearing of settlement accounts, database maintenance and MIS
generation relating to back office/clearing accounts sent to corporate Office.
- Electronic Clearing System (ECS), Bills Desk: OBC’s / IBC’s lodgement& realization.
- Safe keeping and handing over of deliverables like ATM cards/PIN mailers, net banking PIN
mailers, cheque books, etc. to the customers.
- Carrying out of Inter bank funds transfer through RTGS/NEFT.
Academia
2010 MBA (Banking) from Sikkim Manipal University (B Grade)
2003 Bachelor of E-Commerce from G.G.S. Indraprastha University, Delhi(77.77%)
Professional Courses
- IIBF – Junior Associate of Indian Institute of Bankers (JAIIB) [1st Attempt]
- Certification in IIBF-Know Your Customer/Anti-Money Laundering
- IRDA Certification for Insurance Selling
Personal Details
Date of Birth 23rd May 1982
Present Address 33-C Mansarovar Apartment, Sector-61 NOIDA -201307, UP