Rishi Phukan has over 4 years of experience in banking operations, credit analysis, and loan processing at Union Bank of India. He currently holds the position of Assistant Manager at the Mariani branch in Assam, India, where his responsibilities include supervising branch operations, managing customer relationships, performing credit risk assessments, and identifying new markets. He has a Master's degree in Business Administration with a specialization in Finance and is proficient in English, MS Office, and banking systems.

1. RISHIRAJ PHUKAN
Email: rishi.p.8june@gmail.com
Mob: +919101734733
Union Bank of India, Mariani Branch, T D Sen complex, Main road, Mariani-785634
SUMMARY OF QUALIFICATIONS
 4 Years of experience in banking
 Strong background in banking operations, credit process analysis, credit rating, initial loan
application review
 Proven skills in supervising and ensuring smooth functioning of bank’s branches
 Proven skills in ensuring credit adherence with bank’s policies and participation in decision
making regarding acceptance or denial of loan applications depending on credit risk
 Demonstrated ability in identifying potential credit markets and developing referral networks
in order to locate prospects for loans
 Professional communication skills include fluency in English
 Master in Business administration with specialization in Finance
 Computer skills include : MS office, Internet and email
PROFESSIONAL EXPERIENCE
Assistant Manager in Union Bank of India (Government of India Undertaking)
June 2014 to Present
Branch: Mariani, District-Jorhat, State Assam. India
 Supervise and ensure smooth functioning of operations team at the branch
 Customer relationship management with regard to customer queries, providing customers
with resolutions, information and any other options. Ensure quick and proper response to
customers queries and grievances
 Performing pre audit to identify and mitigate credit risk and assuring adherence to guidelines
and credit policies of the bank.
 Identification of potential market for loans and other banking
 Deploys staff post review to ensure appropriate resource allocation for the branch for
delivering the customer services in the most customer centric manner to their utmost
satisfaction for retaining and enhancing relationship value
 Ensures prompt adjustment of entries outstanding in branch reconciliation and impersonal
accounts
 Preparation and submission in a timely manner, Control Returns (operation/financial) for
onward submission to the Regional Head
 Oversees functioning of Operations and Advances and monitors other portfolios of the
Branch effectively
 Ensures customer satisfaction by proper up keep of the branch & ATM centres and also by
managing all other issues related to the ATM and ensures proper maintenance of old records
and OFF (Office Fixtures & Furniture) items

2.  Performs the role of a people manager by setting performance goals for direct reports and
monitoring their performance, providing developmental guidance and direction as and when
required.
EDUCATION
Master ofBusiness Administration (Finance) 2010
Ansal Institute of Technology
Gurugram, Haryana, India
(Affiliated to Tilak Maharashtra University)
Bachelor ofArts in Economics 2007
Cotton college, Guwahati City, Assam
India (Under Gauhati University)
Junior associate of Indian Institute of banking and finance
2010
REFERENCES
 Available upon request