Shilpi Kumar has over 6 years of experience in commercial banking with State Bank of India and Bank of Baroda. She has expertise in credit analysis, project finance, and risk management from her roles including branch head and deputy relationship manager. Her experience spans credit risk analysis, customer relationship management, and people management. She holds an MBA in finance and professional certifications in insurance, banking, and mutual funds.
The document discusses career opportunities in the banking sector in India. It notes that with 81 scheduled commercial banks and over 53,000 branches, banking is one of the largest job providing sectors, with an estimated requirement of 7.5 lakh new positions over the next 5 years. The roles in banks are categorized into junior, senior, and manager levels. The junior roles involve entry-level work like customer service representatives or loan executives. Senior roles such as assistant branch managers or commercial loan managers have more experience. Manager roles like branch managers or business development managers oversee others.
This document is a term paper submitted by Md. Mushfiqul Haque Mukit to Rumana Afrose of East West University on managerial functions at Eastern Bank Limited (EBL). The paper includes an introduction outlining the background, objectives, methodology and scope of the study. It also provides an overview of EBL's history and vision, and discusses theoretical concepts of managerial decision making. The analysis section examines decision making styles and skills of managers at service-oriented organizations like EBL. It also compares decision making styles to managerial skills. The paper concludes with findings, conclusions, and recommendations.
Sneha Sarawgi has over 7 years of experience in financial analysis and credit research. She currently works as a Financial Analyst at Copal Amba, where she supports investment banks by conducting fundamental credit modeling and analysis. Previously, she worked as an Analyst at Credit Analysis & Research Limited, where she performed credit analysis of large corporations. Sneha holds an MBA in Finance from IBS Hyderabad and a Bachelor's degree in Business Management. She is a CFA Level III Passed candidate with strong skills in financial modeling, credit analysis, and client interaction.
HBL Acquisition Privatization - Managing Employee Resistance HRMASAD ALI
This document presents a case study of the strategic human resource development challenges faced by HBL during its acquisition and privatization. It describes how HBL transitioned from an employee-oriented culture during its origins in the 1950s-1960s to a bureaucratic culture after nationalization. In the 1990s, increased competition and financial sector restructuring led to HBL's acquisition by AKFED in 2004. This triggered major change management challenges, as the new private management had to overcome employee resistance to restructure HBL's processes and culture. Key strategies used included employee negotiations, communication of change rationale, building trust, and establishing good governance. While resistance persisted among middle management, the changes achieved positive outcomes like profitability, leaner
The 2011 Annual Report of Allied Bank Limited provides an overview of the bank's performance for the year. It discusses the bank's vision, mission, core values, board of directors, management team, and financial highlights for 2011. The Chairman's Message notes that despite challenges, the bank maintained its focus on clients and continued progress by delivering value-added services.
Banking involves financial intermediation by accepting deposits from individuals and businesses, then lending or investing those deposits. It is crucial for capital development, industrialization, trade finance, and more. Banking offers stable careers with good salaries and benefits. It is suitable for candidates from various educational backgrounds as the industry is growing rapidly and offers challenging work and opportunities for advancement. Core qualities for success in banking include empathy, knowledge, accountability, ethics, attitude, innovation, professionalism, analysis, and avoiding complacency. Islamic banking follows Shariah principles of equity and justice and has experienced fast growth globally.
The document discusses career opportunities in the banking sector in India. It notes that with 81 scheduled commercial banks and over 53,000 branches, banking is one of the largest job providing sectors, with an estimated requirement of 7.5 lakh new positions over the next 5 years. The roles in banks are categorized into junior, senior, and manager levels. The junior roles involve entry-level work like customer service representatives or loan executives. Senior roles such as assistant branch managers or commercial loan managers have more experience. Manager roles like branch managers or business development managers oversee others.
This document is a term paper submitted by Md. Mushfiqul Haque Mukit to Rumana Afrose of East West University on managerial functions at Eastern Bank Limited (EBL). The paper includes an introduction outlining the background, objectives, methodology and scope of the study. It also provides an overview of EBL's history and vision, and discusses theoretical concepts of managerial decision making. The analysis section examines decision making styles and skills of managers at service-oriented organizations like EBL. It also compares decision making styles to managerial skills. The paper concludes with findings, conclusions, and recommendations.
Sneha Sarawgi has over 7 years of experience in financial analysis and credit research. She currently works as a Financial Analyst at Copal Amba, where she supports investment banks by conducting fundamental credit modeling and analysis. Previously, she worked as an Analyst at Credit Analysis & Research Limited, where she performed credit analysis of large corporations. Sneha holds an MBA in Finance from IBS Hyderabad and a Bachelor's degree in Business Management. She is a CFA Level III Passed candidate with strong skills in financial modeling, credit analysis, and client interaction.
HBL Acquisition Privatization - Managing Employee Resistance HRMASAD ALI
This document presents a case study of the strategic human resource development challenges faced by HBL during its acquisition and privatization. It describes how HBL transitioned from an employee-oriented culture during its origins in the 1950s-1960s to a bureaucratic culture after nationalization. In the 1990s, increased competition and financial sector restructuring led to HBL's acquisition by AKFED in 2004. This triggered major change management challenges, as the new private management had to overcome employee resistance to restructure HBL's processes and culture. Key strategies used included employee negotiations, communication of change rationale, building trust, and establishing good governance. While resistance persisted among middle management, the changes achieved positive outcomes like profitability, leaner
The 2011 Annual Report of Allied Bank Limited provides an overview of the bank's performance for the year. It discusses the bank's vision, mission, core values, board of directors, management team, and financial highlights for 2011. The Chairman's Message notes that despite challenges, the bank maintained its focus on clients and continued progress by delivering value-added services.
Banking involves financial intermediation by accepting deposits from individuals and businesses, then lending or investing those deposits. It is crucial for capital development, industrialization, trade finance, and more. Banking offers stable careers with good salaries and benefits. It is suitable for candidates from various educational backgrounds as the industry is growing rapidly and offers challenging work and opportunities for advancement. Core qualities for success in banking include empathy, knowledge, accountability, ethics, attitude, innovation, professionalism, analysis, and avoiding complacency. Islamic banking follows Shariah principles of equity and justice and has experienced fast growth globally.
The document summarizes Chhitiz Shrestha's internship presentation at Nabil Bank. It outlines Nabil Bank's mission, values, major customers and markets, products and services, organizational structure, performance, activities performed, skills learned, feedback for the organization, and feedback for the university. The presentation covered all aspects of Nabil Bank and Chhitiz's internship experience.
Communication process project on allied bank limitedmirhamza123
The document is a project report submitted to Mam Shumaila about communication processes at Allied Bank Limited (ABL). It summarizes that ABL focuses on attention, brevity and clarity in communication. It describes ABL's internal communication through email and external communication through websites and conferences. The report also outlines ABL's departments, vision, mission and feedback on their strong IT systems but weaknesses in customer awareness and business writing.
An analysis of strategic HRM Practices of EBLMd Saddam Hosen
The document discusses the strategic human resource management practices of Eastern Bank Limited (EBL) in Bangladesh. It outlines EBL's vision, mission, values, the functions of its Human Resource Division including recruitment, training, compensation and benefits. It also describes EBL's policies regarding leave, promotion, incentives and provides a SWOT analysis. The conclusion states that EBL has successfully run its business and created interest in banking, which has great prospects in Bangladesh.
The document discusses performance management systems used in HDFC Bank. It provides details on various PMS tools like management by objectives, 360 degree appraisals, and graphic rating scales. The PMS helps align individual goals with organizational goals. At HDFC Bank, the PMS process involves ongoing monthly reviews as well as annual appraisals using multiple rating sources. Key performance areas are designed for each job and evaluated to aid retention, recruitment, culture, and employee development. While easy to design and use, graphic rating scales can be influenced by rater errors and biases.
HBL is Pakistan's largest private bank with over 1500 branches and 1300 ATMs across 25 countries. Its vision is to be the premier financial services provider locally and internationally. HBL uses rigorous job analysis and selection processes to attract and retain top talent. It conducts interviews, tests, and background checks on candidates. New hires undergo orientation and extensive on-the-job and off-the-job training programs, including seminars, job rotation, and outdoor exercises. HBL sources candidates through multiple channels, including campus recruitment and employee referrals, to build a highly skilled workforce.
The document discusses recruitment and selection processes for banking sector jobs at State Bank of India and Standard Chartered Bank. It provides details on eligibility criteria, application process, selection process including written exams and interviews for clerk and probationary officer roles at SBI. For Standard Chartered Bank, it outlines applying for management associate roles and various phases of selection including training. The conclusion emphasizes benefits of internal hiring if seen as fair but risks if viewed as unfair.
The document discusses the recruitment and selection process at Bank Al Habib (BAHL). It outlines BAHL's process which includes screening resumes, conducting written tests and panel interviews to hire 45-50 new employees annually. It also discusses challenges such as outdated technology, lengthy hiring times and difficulties recruiting for remote areas. Recommendations include adopting an applicant tracking system, using artificial intelligence for initial assessments, and conducting virtual interviews.
Bank Al Habib is a Pakistani bank with over 249 branches. It was established in 1991 by Dawood Habib Group and is headquartered in Multan with its principal office in Karachi. The document discusses various banking services provided by Bank Al Habib such as consumer financing including auto loans, home loans, and personal loans. It also discusses commercial financing options like demand finance, cash finance, and running finance provided to businesses.
Sachin Patwardhan is a banking and financial services professional with over 12 years of experience seeking managerial assignments. He has extensive experience in retail banking, finance, business analysis, and portfolio management. Currently he is the Country Group Head at Mahindra & Mahindra Financial Services Ltd where he is responsible for product development, maintaining portfolio quality, and generating new technology solutions. Previously he has held roles like Regional Manager, Area Sales Manager, and Relationship Manager at HDFC Bank Ltd and ICICI Bank Ltd where he has consistently achieved business targets and received various awards.
ICICI Bank was established in 1994 as a banking subsidiary of ICICI and has since grown to become one of the largest banks in India with over 5,000 branches; it offers a wide range of banking and financial services both in India and internationally through various subsidiaries. ICICI Bank uses different performance appraisal models including management by objectives and 360 degree feedback to evaluate employee performance on an ongoing basis and guide their development.
Commercial Bank of Ceylon PLC is one of the leading commercial banks in Sri Lanka with over 255 branches and 625 ATMs. The bank aims to be the most technologically advanced and customer friendly financial services organization in Sri Lanka and expand in South Asia (Vision). The bank's mission is to provide reliable, innovative and customer friendly financial services using cutting-edge technology while developing highly skilled staff to expand locally and regionally. The mission focuses the bank on using technology to serve customers, developing employees, and growing in Sri Lanka and the region.
R. Balachandran has over 25 years of experience in banking and corporate finance. He has worked as a banker specializing in corporate credit for 10 years and as a corporate manager specializing in project management and corporate finance for 11.5 years. For the past 19 years, he has worked as a freelance consultant and corporate trainer in finance, general management, and professional skills. He has conducted over 120 corporate training batches covering topics such as business finance, costs and decision making, business communications, and career planning. Balachandran has developed course materials for universities and training organizations and provides consulting services to companies in India.
This document provides an overview of careers in the banking sector. It discusses the nature of work for managers and bank clerks, which involves running branches, managing staff, generating profits, and providing customer service. It also outlines the conditions of work, noting positives like stable employment but also negatives like frequent layoffs. Educational requirements include a bachelor's degree in any field along with diplomas in banking and finance. Exams include those for bank probationary officers and clerical positions. Career progression is possible from entry level to high-level positions like bank chairman. Personal attributes required include strong communication, analytical, and customer service skills.
SME Loan Lending Activities&Reconciliation Processof IDLC Finance LimitedAyesha Sultana
The aim of my presentation is to give you a clear idea about how IDLC Finance Limited is leading their SME Loan & how they run their Reconciliation Process.
Bank of Ceylon is a major commercial bank in Sri Lanka that was founded in 1939. It has over 628 branches across the country as well as ATMs and other digital services. The bank aims to provide innovative financial solutions and empower employees while enhancing value for stakeholders. It offers various banking products like savings and current accounts, loans, deposits, credit cards, and more to serve customers of all demographics.
This document provides information about a market scoping and analysis project conducted by Umesh Yadav during his summer internship with India Infoline Finance Limited (IIFL). It includes a title page, declaration by the author, certificate of approval, acknowledgements, executive summary and table of contents. The project aims to analyze IIFL's gold loan products and the gold loan market. IIFL provides gold loans across India, with loan amounts ranging from Rs. 5,000 to Rs. 10,00,000 and tenors of 3-12 months. Customers can pledge gold ornaments to avail loans quickly without income proofs, at lower interest rates than other loans.
This document provides an overview of the banking industry in Nepal. It discusses Nepal's strategic geographic location and potential for foreign investment. It then outlines the regulatory framework for commercial banks in Nepal and the basic functions performed by commercial banks. The document also discusses new generation commercial banks that were established between 2009-2010. It raises several questions about the present scenario in areas like return on equity, risk assessment, and human resources. Finally, it provides suggestions for ways forward, including boosting revenue centers, timely financial reporting, strengthening research/products, and restructuring the human resources department with a focus on adequate risk assessment.
HBL is the largest bank in Pakistan with over 1,500 branches and 1,300 ATMs. It was founded in 1941 in India and moved its headquarters to Karachi after Pakistan gained independence in 1947. HBL aims to provide the best services to customers, support the economy of Pakistan, and maximize bank profits. The human resources department plays a key role through activities like recruitment and training, performance management, and maintaining a culture of innovation and customer responsiveness.
Jyothilekshmi has over 13 years of experience in retail banking and credit underwriting with IDBI Bank and Canara Bank. She has held several roles including Center Head managing teams for housing, vehicle, and education loans, achieving sales targets. As Head of the CCU in Karnataka, she successfully managed RBI clearing operations across 43 branches. Currently she is an AGM handling MSME and agriculture lending at IDBI Bank's regional office in Bangalore, with a track record of sanctioning over ₹206 crores in loans. She has an MBA in Finance and is a Certified Credit Officer.
MCB was established in 1947 in Calcutta before the partition of India and Pakistan to meet the need for more Muslim-owned banks. Today, MCB is one of Pakistan's leading banks with over Rs. 300 billion in assets and over 1,000 branches across the country. MCB's human resource management processes include forecasting staffing needs, recruiting through various sources, screening candidates, conducting tests and interviews to select new employees, and providing training and benefits to current staff.
This curriculum vitae outlines S.R. Roopa's professional experience and qualifications. She has over 8 years of experience in financial services roles, including as a Business Analyst at Franklin Templeton International Investments and as a Loan Servicing Analyst at Berkadia Services India Pvt Ltd. She holds a PGDM in Banking, Insurance, and Finance from Siva Sivani Institute of Management and a B.com degree from Loyola Academy & P.G College. Her skills include financial analysis, vendor management, and client relations.
- An investment banking and finance professional with over 14 years of experience in sectors such as investment banking, project funding, private equity, retail banking, and financial management.
- Currently serves as Project Director for a leading petroleum company in the UAE and also runs his own capital advisory firm.
- Previously worked for 8 years at India's second largest bank, handling roles such as Cluster Manager and Branch Manager.
The document summarizes Chhitiz Shrestha's internship presentation at Nabil Bank. It outlines Nabil Bank's mission, values, major customers and markets, products and services, organizational structure, performance, activities performed, skills learned, feedback for the organization, and feedback for the university. The presentation covered all aspects of Nabil Bank and Chhitiz's internship experience.
Communication process project on allied bank limitedmirhamza123
The document is a project report submitted to Mam Shumaila about communication processes at Allied Bank Limited (ABL). It summarizes that ABL focuses on attention, brevity and clarity in communication. It describes ABL's internal communication through email and external communication through websites and conferences. The report also outlines ABL's departments, vision, mission and feedback on their strong IT systems but weaknesses in customer awareness and business writing.
An analysis of strategic HRM Practices of EBLMd Saddam Hosen
The document discusses the strategic human resource management practices of Eastern Bank Limited (EBL) in Bangladesh. It outlines EBL's vision, mission, values, the functions of its Human Resource Division including recruitment, training, compensation and benefits. It also describes EBL's policies regarding leave, promotion, incentives and provides a SWOT analysis. The conclusion states that EBL has successfully run its business and created interest in banking, which has great prospects in Bangladesh.
The document discusses performance management systems used in HDFC Bank. It provides details on various PMS tools like management by objectives, 360 degree appraisals, and graphic rating scales. The PMS helps align individual goals with organizational goals. At HDFC Bank, the PMS process involves ongoing monthly reviews as well as annual appraisals using multiple rating sources. Key performance areas are designed for each job and evaluated to aid retention, recruitment, culture, and employee development. While easy to design and use, graphic rating scales can be influenced by rater errors and biases.
HBL is Pakistan's largest private bank with over 1500 branches and 1300 ATMs across 25 countries. Its vision is to be the premier financial services provider locally and internationally. HBL uses rigorous job analysis and selection processes to attract and retain top talent. It conducts interviews, tests, and background checks on candidates. New hires undergo orientation and extensive on-the-job and off-the-job training programs, including seminars, job rotation, and outdoor exercises. HBL sources candidates through multiple channels, including campus recruitment and employee referrals, to build a highly skilled workforce.
The document discusses recruitment and selection processes for banking sector jobs at State Bank of India and Standard Chartered Bank. It provides details on eligibility criteria, application process, selection process including written exams and interviews for clerk and probationary officer roles at SBI. For Standard Chartered Bank, it outlines applying for management associate roles and various phases of selection including training. The conclusion emphasizes benefits of internal hiring if seen as fair but risks if viewed as unfair.
The document discusses the recruitment and selection process at Bank Al Habib (BAHL). It outlines BAHL's process which includes screening resumes, conducting written tests and panel interviews to hire 45-50 new employees annually. It also discusses challenges such as outdated technology, lengthy hiring times and difficulties recruiting for remote areas. Recommendations include adopting an applicant tracking system, using artificial intelligence for initial assessments, and conducting virtual interviews.
Bank Al Habib is a Pakistani bank with over 249 branches. It was established in 1991 by Dawood Habib Group and is headquartered in Multan with its principal office in Karachi. The document discusses various banking services provided by Bank Al Habib such as consumer financing including auto loans, home loans, and personal loans. It also discusses commercial financing options like demand finance, cash finance, and running finance provided to businesses.
Sachin Patwardhan is a banking and financial services professional with over 12 years of experience seeking managerial assignments. He has extensive experience in retail banking, finance, business analysis, and portfolio management. Currently he is the Country Group Head at Mahindra & Mahindra Financial Services Ltd where he is responsible for product development, maintaining portfolio quality, and generating new technology solutions. Previously he has held roles like Regional Manager, Area Sales Manager, and Relationship Manager at HDFC Bank Ltd and ICICI Bank Ltd where he has consistently achieved business targets and received various awards.
ICICI Bank was established in 1994 as a banking subsidiary of ICICI and has since grown to become one of the largest banks in India with over 5,000 branches; it offers a wide range of banking and financial services both in India and internationally through various subsidiaries. ICICI Bank uses different performance appraisal models including management by objectives and 360 degree feedback to evaluate employee performance on an ongoing basis and guide their development.
Commercial Bank of Ceylon PLC is one of the leading commercial banks in Sri Lanka with over 255 branches and 625 ATMs. The bank aims to be the most technologically advanced and customer friendly financial services organization in Sri Lanka and expand in South Asia (Vision). The bank's mission is to provide reliable, innovative and customer friendly financial services using cutting-edge technology while developing highly skilled staff to expand locally and regionally. The mission focuses the bank on using technology to serve customers, developing employees, and growing in Sri Lanka and the region.
R. Balachandran has over 25 years of experience in banking and corporate finance. He has worked as a banker specializing in corporate credit for 10 years and as a corporate manager specializing in project management and corporate finance for 11.5 years. For the past 19 years, he has worked as a freelance consultant and corporate trainer in finance, general management, and professional skills. He has conducted over 120 corporate training batches covering topics such as business finance, costs and decision making, business communications, and career planning. Balachandran has developed course materials for universities and training organizations and provides consulting services to companies in India.
This document provides an overview of careers in the banking sector. It discusses the nature of work for managers and bank clerks, which involves running branches, managing staff, generating profits, and providing customer service. It also outlines the conditions of work, noting positives like stable employment but also negatives like frequent layoffs. Educational requirements include a bachelor's degree in any field along with diplomas in banking and finance. Exams include those for bank probationary officers and clerical positions. Career progression is possible from entry level to high-level positions like bank chairman. Personal attributes required include strong communication, analytical, and customer service skills.
SME Loan Lending Activities&Reconciliation Processof IDLC Finance LimitedAyesha Sultana
The aim of my presentation is to give you a clear idea about how IDLC Finance Limited is leading their SME Loan & how they run their Reconciliation Process.
Bank of Ceylon is a major commercial bank in Sri Lanka that was founded in 1939. It has over 628 branches across the country as well as ATMs and other digital services. The bank aims to provide innovative financial solutions and empower employees while enhancing value for stakeholders. It offers various banking products like savings and current accounts, loans, deposits, credit cards, and more to serve customers of all demographics.
This document provides information about a market scoping and analysis project conducted by Umesh Yadav during his summer internship with India Infoline Finance Limited (IIFL). It includes a title page, declaration by the author, certificate of approval, acknowledgements, executive summary and table of contents. The project aims to analyze IIFL's gold loan products and the gold loan market. IIFL provides gold loans across India, with loan amounts ranging from Rs. 5,000 to Rs. 10,00,000 and tenors of 3-12 months. Customers can pledge gold ornaments to avail loans quickly without income proofs, at lower interest rates than other loans.
This document provides an overview of the banking industry in Nepal. It discusses Nepal's strategic geographic location and potential for foreign investment. It then outlines the regulatory framework for commercial banks in Nepal and the basic functions performed by commercial banks. The document also discusses new generation commercial banks that were established between 2009-2010. It raises several questions about the present scenario in areas like return on equity, risk assessment, and human resources. Finally, it provides suggestions for ways forward, including boosting revenue centers, timely financial reporting, strengthening research/products, and restructuring the human resources department with a focus on adequate risk assessment.
HBL is the largest bank in Pakistan with over 1,500 branches and 1,300 ATMs. It was founded in 1941 in India and moved its headquarters to Karachi after Pakistan gained independence in 1947. HBL aims to provide the best services to customers, support the economy of Pakistan, and maximize bank profits. The human resources department plays a key role through activities like recruitment and training, performance management, and maintaining a culture of innovation and customer responsiveness.
Jyothilekshmi has over 13 years of experience in retail banking and credit underwriting with IDBI Bank and Canara Bank. She has held several roles including Center Head managing teams for housing, vehicle, and education loans, achieving sales targets. As Head of the CCU in Karnataka, she successfully managed RBI clearing operations across 43 branches. Currently she is an AGM handling MSME and agriculture lending at IDBI Bank's regional office in Bangalore, with a track record of sanctioning over ₹206 crores in loans. She has an MBA in Finance and is a Certified Credit Officer.
MCB was established in 1947 in Calcutta before the partition of India and Pakistan to meet the need for more Muslim-owned banks. Today, MCB is one of Pakistan's leading banks with over Rs. 300 billion in assets and over 1,000 branches across the country. MCB's human resource management processes include forecasting staffing needs, recruiting through various sources, screening candidates, conducting tests and interviews to select new employees, and providing training and benefits to current staff.
This curriculum vitae outlines S.R. Roopa's professional experience and qualifications. She has over 8 years of experience in financial services roles, including as a Business Analyst at Franklin Templeton International Investments and as a Loan Servicing Analyst at Berkadia Services India Pvt Ltd. She holds a PGDM in Banking, Insurance, and Finance from Siva Sivani Institute of Management and a B.com degree from Loyola Academy & P.G College. Her skills include financial analysis, vendor management, and client relations.
- An investment banking and finance professional with over 14 years of experience in sectors such as investment banking, project funding, private equity, retail banking, and financial management.
- Currently serves as Project Director for a leading petroleum company in the UAE and also runs his own capital advisory firm.
- Previously worked for 8 years at India's second largest bank, handling roles such as Cluster Manager and Branch Manager.
Shweta Goel is seeking a position that utilizes her 7.6 years of experience and MBA. She has worked as an Assistant Manager at HSBC for 6 years where she performed liquidity and nostro account reporting and reconciliation. This included analytical reporting to manage liquidity and improve processes. She also worked as a Senior Research Analyst at Copal Partners for 1.5 years performing industry research, financial analysis, and preparing reports for clients. She has a B.Com and MBA in Finance and has skills in Excel, databases, and meeting deadlines.
This profile summarizes the qualifications and experience of an individual with over 9 years of experience in banking, finance, and insurance. Some key points:
- Holds a diploma from ICICI Manipal Academy and bachelor's degree in medical science.
- Results-focused professional with strong communication, presentation, and relationship building skills.
- Past experience includes projects analyzing foreign exchange products and working as a renewal manager for an insurance company.
- Currently working as a deputy branch manager at ICICI Bank, responsible for branch operations, customer service, business development, and team management.
- RaviChandra Emmandi has over 24 years of experience in banking, primarily with State Bank of India, including managing branches and leading teams.
- He has expertise in areas such as retail banking, investment banking, risk management, loan processing, and digital transformation.
- Emmandi has received several awards for his performance in areas such as deposit mobilization, loan growth, cross-selling insurance, and converting loss-making branches to profitability.
This document provides an overview of Sanchetna Financial Services Pvt. Ltd., a microfinance institution operating in Uttar Pradesh, India. It details the organization's mission and vision, management team, products offered, operational and financial performance to date, expansion plans, and use of funds from potential investors. Key information includes that Sanchetna has reached over 8,000 clients to date, maintains a portfolio of INR 45.7 million, and aims to reach one lakh clients by 2015 while maintaining a sustainable business model.
The document provides an overview and introduction to the Foreign Contribution (Regulation) Act 1976 in India. Some key points:
- The Act regulates the acceptance and use of foreign contributions by certain individuals and organizations to ensure it does not compromise national security or elections.
- Organizations need prior permission or registration to receive foreign funds. Registered organizations must maintain separate accounts and submit annual audited reports.
- Over 34,000 organizations are registered under the Act across religious, cultural, economic, educational and social categories. The top recipient states are Tamil Nadu, Delhi, and Andhra Pradesh.
- The Act also regulates foreign hospitality received by certain public officials and politicians to/from foreign countries.
This document contains the resume of Ekta Jyoti. She has over 2 years of experience as a Senior Analyst at BlackRock India Services Private Limited, where she is responsible for data management and processing of corporate actions. Prior to this, she worked at Yes Bank and IndusInd Bank in various roles related to customer service and acquisitions. Ekta Jyoti holds an MBA from Banasthali University and is proficient in financial tools like Bloomberg and databases. She seeks an opportunity for professional growth utilizing her leadership, communication, and analytical skills.
Analysis of customer satisfaction in banking sector of jammu & kashmir bankShami Zama
This document provides information about a summer training report submitted by a student to fulfill the requirements of a Bachelor of Business Administration degree. It includes sections on certification, acknowledgements, an executive summary, table of contents, and the beginning of chapter 1 which provides a profile of Jammu & Kashmir Bank, the organization studied. The profile describes the bank's history, establishment, growth, operations, and services including technology applications and delivery channels like ATMs, internet banking, and SMS banking.
Saad Jameel Farooqui is a Credit Risk Analyst at Habib Metro Bank with over 5 years of experience in credit analysis and risk management. He holds an MBA in Finance and has conducted research projects analyzing the financial performance and investment potential of various companies. His career goals are to continue developing his professional skills in corporate risk analysis and management.
Vishal Kacker is a senior manager at HDFC Bank with over 14 years of experience in banking, portfolio management, retail and wealth management. He has a post-graduation in management and has worked at HDFC Bank, ICICI Bank, Birla Sun Life Insurance, and HDFC Life in various roles managing business operations, clients, and achieving sales targets. Currently at HDFC Bank, his responsibilities include educating customers on digital banking, maintaining processes and compliance, and managing portfolios to achieve profitability targets.
Santosh Narayan Bhagwat has over 22 years of experience in banking and software testing. He is currently a Portfolio Test Lead at Barclays Technology Center India, where he manages diverse teams and ensures seamless project delivery. Previously he has held roles such as E2E Test Manager, Business Analyst, and various positions in retail banking, corporate banking, and treasury operations at banks such as ICICI, Axis, SBI, and Thane Janata Sahakari Bank. He has an MFM and is proficient in testing methodologies, people management, and requirements gathering.
Customer satisfaction towards j&k bank by wani aadilwani aadil
This document provides a profile of Jammu & Kashmir Bank (J&K Bank), one of the largest banks in India. It discusses the bank's history, founding in 1938, operations across India, and focus on serving customers in Jammu & Kashmir through innovative financial solutions. The profile outlines the bank's registered office, corporate headquarters, and business support services including internet banking, SMS banking, bill payments, and e-commerce capabilities to provide customers convenient banking access.
Subrata Biswas is seeking a responsible career in a reputable financial institution. He has over 13 years of experience in finance roles including reconciliation, portfolio management, and investment advising. His experience includes positions at Opine Consultants, Syntel, ICICI Bank, and Sun Securities. He holds certifications in financial markets and has expertise in Microsoft Office, Excel, and financial systems like TLM and Bloomberg Terminal.
Prodyut Paul is seeking career enhancing opportunities in financial and credit analysis with a growth-oriented organization. He has over 5 years of experience in financial reporting, accounting, analysis, and budgeting. Currently he works as a Senior Associate for Credit Analysis at Dell, where he approves credit, assesses customer creditworthiness, and manages credit risk. Previously he worked as an SAP FICO user at Xchanging, where he handled accounts receivable, bank reconciliation, and financial reporting. He has expertise in credit risk assessment, financial statement analysis, and spreadsheet software.
Sushant Agarwal is seeking new career opportunities and has over 8 years of experience in debt management, operations management, and customer retention in the banking sector. He has held positions at HDFC Bank and ICICI Bank, where he was responsible for tasks like managing loan collections, reducing delinquencies and non-performing assets, training new employees, and establishing new collection agencies. Sushant has an MBA and aims to leverage his communication, analytical, and relationship building skills to further his career in a leading organization.
V P Roshan is an Assistant Vice President and Branch Head at Axis Bank in Bangalore with over 17 years of banking experience. He currently heads a team of 25 at his branch, where he manages retail and corporate business. Under his leadership, the branch consistently achieves its targets and increases profits. Roshan has received several awards for his strong performance, including from the CEO of Axis Bank. He has a proven track record of developing successful banking strategies and motivating his team.
- Dharmendra Singh is seeking a career opportunity in product management, sales management, or account management with over 9 years of experience in the banking industry.
- He has extensive experience managing financial products and clients as well as leading cross-functional teams at HDFC Bank and Standard Chartered Bank.
- He has a proven track record of success growing businesses, achieving sales targets, and winning several awards for his performance.
Manish Kumar Jha has over 15 years of experience in banking, specifically in sales, marketing, customer service, and leadership roles. He is currently a Senior Manager and Branch Head at Axis Bank in Bangalore, where he is responsible for growing accounts, customer management, operational excellence, and managing his team. Previously, he held roles like Area Sales Manager, Branch Sales Manager, and Relationship Manager at HDFC Bank and Axis Bank, where he consistently met sales targets, acquired new customers, and cross-sold various banking products. He has a Master's degree in International Business and is proficient in Microsoft Office, with strong communication, planning, and problem-solving skills.
Sanjeeva Sahgal is an experienced banker with over 30 years of experience in diverse areas of banking such as corporate banking, investment banking, and retail banking. He has worked in leadership roles at State Bank of India and HDFC Bank. Currently, he runs his own consulting firm called Value and Quality Intent which provides advisory services to banking, financial, and other sectors. Some of his consulting roles include providing strategic advice to startups in sectors like automotive, real estate, infrastructure, and FMCG. He also delivers training programs in banking, financial products, and soft skills.
1. e-mail: dreamz.shilpi@gmail.com Mob: +971-563199826
SHILPI
KUMARI
MBA (Finance); 6 years in Commercial Banking
Experience in State Bank of India, Bank of Baroda and Ernst & Young
Expertise in Credit Analysis, Project Finance & Risk Management
HIGHLIGHTS
CAREER PROGRESSION (Details on Page 2)
ACADEMIC PROGRESSION
BEYOND ACADEMICS
e-mail: dreamz.shilpi@gmail.com
Mob: (+971) 563 199826
Currently residing in Dubai, UAE
LinkedIn : http://tinyurl.com/Shilpi85
EXPERIENCE LEADERSHIP RESULTSSKILLS
- Over 6 years in banking,
including ~ 5 years with India’s
oldest & largest bank State
Bank of India
- Experience across multiple
facets of banking, esp. credit
risk analysis
- Was custodian of 52 Medium
enterprises with advances over
1 Billion USD
- Head of a medium sized branch
in an emerging township of Navi
Mumbai
- Member of core Regional
Leadership Team, with special
focus on business development
- Extensive people management
experience. Presently, heading a
team of 1 officer& 6 clerical staff
- Expert in entire credit cycle
management incl. appraisal of
credit proposals, P&L analyses
and due diligence
- Strong at customer relationship
management, with focus on
‘expectation management’
- Quick learner and positively
adaptable to changing scenarios
- 100 / 100 consistent and
flawless performance in
employee appraisal for
consecutive three years
- Represented SBI as a speaker
at National Workshop for
Female Entrepreneurs 2012
- Received Supersonic Million
Dollar Round Table (MDRT)
Award for FY12
KEY ACHIEVEMENTS
- Received scholarship worth INR 80, 000 for distinctive and consistent
academic performance (among top 5%)
- Shortlisted for the final round in the prestigious J P Morgan Chase GLOBAL
Scholarship after three rounds of screening; finished as 1st
Runner-Up
- Scored 99.99%ile in the All India Management Aptitude Test (MAT) 2007
- Adjudged 1st
Runner-Up in Deloitte Business Valuation Case Study Contest
organized by Financial Advisory Services, Deloitte at Hyderabad. Was
selected from over 35 applicants in the first round.
- School topper in ICSE – 2001; Represented school in state level Science and
Mathematics Olympiads
- Selected as a SBI Management Executive by being in top 0.1% of over
5,00,000 aspirants across the country
Organized Blood Donation Camps
Social and environmental awareness campaigns during graduation and MBA
Conducting free classes for the under-privileged students of locality since last 8 years
Creative writing – daily diary and few short poems
Commendation certificate for Essay writing from the leading journal - Competition
Success Review
STATE BANK OF INDIA Scale II Officer, Mumbai
- Branch Head, Kalamboli, Navi Mumbai (March 2014 – Current)
- Deputy Relationship Manager, ME Credit & Project Finance, Commercial Branch,
Vile Parle, Mumbai (April 2011 – March 2014)
- Various rotational assignments and cross-functional trainings as Management
Executive (April 2010 – April 2011)
BANK OF BARODA Scale I Officer, Lucknow
- Officer, SME Credit, SME Loan Factory (June 2009 - March 2010)
ERNST & YOUNG Summer Intern, Kolkata
- Intern, Transactions Advisory Services (March 2008 - May 2008)
2. e-mail: dreamz.shilpi@gmail.com Mob: +971-563199826
STATE BANK OF INDIA Scale II Officer, Mumbai Circle
Key Positions held:
- Branch Head, Kalamboli, Navi Mumbai (March 2014 – Current)
- Deputy Relationship Manager (ME Credit), Vile Parle, Mumbai (April 2011 – March 2014)
- Management Executive, Mumbai Circle (April 2010 – April 2011)
Responsibilities in SBI:
Current:
Chief Officer responsible for the branch’s day-to-day administration, operations and business development
Lead, manage and coach a team of 1 officer & 6 clerical staff to enhance their efficiency & drive profit for branch
Marketing and promotion of banking products & services and liaison with local chambers of commerce, development agencies & other
business bodies to develop SBI’s visibility
Facilitate timely and smooth conduct of Statutory Audit and bank’s internal audit to ensure compliance and asset quality.
Part of Regional Leadership Team for policy compliance & strategy execution, reporting to Regional Business Head
Mobilize deposits, generate SME advances and Cross Sell SBI Mutual Fund, SBI LIFE, SBI General Insurance products etc. and promote internal
& external adoption of next generation banking channels like POS, ATM, Internet & Mobile banking
Previous:
Deputy Relationship Manager responsible for prompt service delivery, all-round credit solutions to HNI clients, execution of security
documents and proactive support to Relationship Manager (Medium Enterprises)
Appraisal of Credit Proposals based on financial statement analyses, due-diligence and market intelligence
Informed periodic evaluation of accounts viz. their business performance through timely renewals & review, working on ad-hocs, regular site
visits to ensure asset quality and safeguard stakeholders’ interests
Custodian of 52 Medium Enterprises with total advances portfolio of INR 750 Crores, with timely conduct of internal, RBI & Statutory Audits
Compliance with Bank’s Loan Policy Guidelines & Reserve Bank of India’s KYC Policy to mitigate risks, maintain organizational standards and
safeguard operational & transactional integrity
Counsel and market bank’s products & services to customers and explore opportunities for cross-selling
New Business development & enhancement of credit limits for existing customers to exceed revenue targets
Lead Banker role in a multiple banking arrangement / Consortium Finance
People Management for 5 subordinates to ensure smooth day-to-day operations in Commercial Branch, Vile Parle
Certifications:
Certified Insurance Facilitator (CIF) by the Insurance Regulatory and Development Authority (IRDA)
JAIIB and CAIIB certifications by the Indian Institute of Banking & Finance (IIBF)
Certified as a Mutual Funds Advisor by the Association of Mutual Funds in India (AMFI)
Key Achievements:
100 / 100 consistent and flawless performance in employee appraisal for consecutive three years
Represented SBI as a speaker at multiple forums including National Workshop for Female Entrepreneurs organized by FICCI
Part of the core team of Vile Parle commercial branch which has been consistently A rated for last three years
Award for Supersonic Million Dollar Round Table (MDRT) FY2011-12 for the rare feat of facilitating 35 Lacs INR of policies in 3 months
BANK OF BARODA Officer, Credit, SME Loan Factory (June 2009-March 2010)
Project appraisal and Due Diligence of proposals for credit facilities to Small & Medium Enterprises in Lucknow region.
Financial Statement Analysis and Credit Rating to assess risk and factor in risk mitigation measures
Assessment of borrower creditworthiness using market feedback, site inspection and personal interaction
Co-ordination with external valuation experts, advocates, financial consultants & TEV counselors
Experience with a wide range of SME sectors and various modes of debt financing
Credit Analysis and Processing of over 15 proposals worth Rs.32.70 Crores for sanction in mere 4 months
ERNST & YOUNG Summer Intern, TAS, Kolkata (March 2008-May 2008)
Full Time Internship for three months in Transactions Advisory Services Division of Ernst & Young India Ltd.
The primary internship project was on understanding various cost elements required for hospital infrastructure
Scope of work included an estimation of the numerous tariffs involved in the healthcare sector. The numbers constituted the key assumptions
for building financial models to come up with similar projects under PPP and provided core parameters to arrive at costing during tenders.
The project involved real time data collection and direct interaction with leading medical personnel
Apart from the above, was also involved in the following projects:
o Research paper on PPP in Urban Infrastructure in India. It included an analysis of the performance of different sub sectors within
the domain of Urban Infrastructure vis-à-vis the global benchmarks
o Detailed proposal plan for a major international project “Strengthening the Management of Contingent Liabilities in BOT Projects in
Philippines”
o Investment Model based for a PPP investment by Bangalore Metropolitan Transport Corporation, incl. P&L and future projections
Key Achievements:
Received “Excellent Performance” certification & Pre-Placement Offer for internship, adjudged by the top management.
PROFESSIONAL DETAILS
INTERNSHIP