Pooja Aneja is a Branch Manager at IDBI Bank Ltd. with over 8 years of experience in credit management, risk analysis, compliance, fraud management, sales operations, and client relationship management. She has a strong background in loan appraisal and disbursement, maintaining regulatory compliance, and enhancing customer satisfaction. Pooja holds an MBA in Marketing and has completed certifications in JAIIB and CAIIB from the Indian Banking Association.

1. POOJA ANEJA
Mobile: 09911738887
E-Mail:p2pooja@yahoo.com, Poojatuteja48@gmail.com
JOB OBJECTIVE
Assignments in Banking credit and operations with an organization of high repute preferably in financial sector .
PROFILE SUMMARY
• MBA (Marketing)with nearly 8 years of experience in:
Credit Management Risk Analysis/Compliance Fraud Management
Sales Operations Client Relationship Management Team Management
• Currently associated with IDBI Bank Ltd., Bulandshahr Chitta as Branch Manager.
• Proficient in handling operational tasks and customers issues
• Hands on experience in handling loan disbursement process including implementation of risk management policies,
procedures & systems to detect transactions outside established parameters, etc.
• Skilled in monitoring banking operations and maintaining long-term customer relationships through the provision
of high quality services
• Sound knowledge of Finacle and LOS Software
• Completed certification in JAIIB & CAIIB from Indian Banking Association
• An effective communicator with good analytical and problem solving skills
CORE COMPETENCIES
• Mapping client’s requirements and providing them services pertaining to selection of right products/services
• Taking adequate measures for maintaining balance between the available funds and the requirement, meeting
pre-set revenue/ profitability norms; addressing issues related to safe custody, securities & cash management
• Conceptualizing and implementing the competent strategies with a view to penetrate new accounts and expand
existing ones for a wide range of banking products/services
• Appraising proposals, conducting risk analysis & scrutinizing relevant documents before sanctioning / disbursing
loans; ensuring compliance with bank’s credit policies
• Ensuring compliance with statutory requirements laid by several acts governing banking regulations
• Interfacing with clients and resolving doubts/queries to enhance customer satisfaction rate
ORGANISATIONAL EXPERIENCE
IDBI Bank Ltd., Manager Since Jul’08
Role:
• Carrying out comprehensive credit risk analysis and appraisals of loan proposals
• Ensuring KYC Checks documentation is completed within time frame and adheres to appropriate credit standards
in line with risk policy & guidelines
• Administering and evaluating FI, CIBIL, ITRs, RCU Reports,etc. for thorough check of capacity and credit history of
the customer
• Empanelment of the outsourced agencies supporting the credit process of the bank
• Evaluating the properties in regards to progress check ,construction as per sanction maps & coordinating with
empanelled Technical Team & Lawyers for proper title deeds, timely transactions and TAT maintenance
Dealing with enquiries and complaints pertaining to pre & post disbursement issues
• Monitoring, analyzing and updating MIS pertaining to retail risk
• Coordinating with various internal/external departments to ensure activities adhere to the stated business objectives
• Making sure that risk management policies/processes and quantitative modeling approaches are consistent
Highlights:
• Awarded certificate for cross selling home loan insurance product for attaining highest sales in team

2. • Received customer appreciation for providing outstanding services
• Promoted to Manager from the grade Assistant Manager.
Training Attended:
• Underwent training on Customer Service, Credit Appraisals, Stress Management and Finacle organized by the
bank.
CERTIFICATION
• Successfully completed certification in JAIIB & CAIIB from Indian Institute of Banking Association.
EDUCATION
• MBA (Marketing)from Guru Jhambeshwar University of Science & Technology,Hisar in(2008)
• B.A. (Maths) from Kurukshetra University(2006)
• 12th
from Gita Girls School , Kurukshetra, (Haryana Board & 2003)
• 10th
from (Gita Girls School, Kurukshetra Haryana Board & 2000)
PERSONAL DETAILS
Date of Birth: 1st
July 1986
Address: Flat No. - 605, Block B - 4, 6th
Floor, Krishna Apra Garden, 7 Vaibhav Khand, Indirapuram,
Ghaziabad – 201010, UP
Languages Known: English, Hindi, and Punjabi
Location Preference: Delhi/NCR