Summary
Overview
Work History
Education
Skills
Languages
Timeline
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KARTHIKA SANTHOSH

KARTHIKA SANTHOSH

Summary

Results-focused who thrives in fast-paced, deadline-driven environments. Committed to accuracy and efficiency as achieved through hard work and attention to detail. Known for excellence in Customer Service.

Overview

17
17
years of professional experience

Work History

Relationship Manager

Cargills Bank Limited
10.2017 - 01.2024
  • Identifying customer needs and designing the Lending packages which will suit their requirement while exploiting different revenue streams in order to maximize profits from the customer
  • Strengthened client relationships by actively listening to their needs and providing tailored financial solutions.
  • Collaborated with cross-functional teams for seamless management of high-profile accounts, resulting in improved customer satisfaction.
  • Identified new business opportunities through diligent market research and analysis, contributing to increased revenue growth.
  • Implemented effective communication strategies to maintain ongoing dialogue with clients, fostering long-term partnerships.
  • Developed targeted presentations for prospective clients, effectively showcasing the value of our services and products.

Account Officer (Junior Executive)

NDB Bank PLC
04.2011 - 09.2017
  • Assisted the Relationship Managers to review of credit facilities on an on-going basis to justify the credit exposure on each customer analysing & interpreting financial statements based on ratio analysis, risk analysis etc
  • Prepared temporary facility excess requests for necessary approvals from the designated delegation authorities
  • Conduct periodical inspection on properties, machinery and stock mortgaged to ensure adequate margins are maintained
  • Sorted out operational issues and daily transactions of corporate clients with internal units
  • Confirmed daily balances to large & Medium Corporate clients
  • Handled New corporate account opening
  • Monitor the loan / Deposit volumes NII, Fees etc
  • To achieve laid down performance targets in terms of portfolio revenue and growth of the team.

Accounts Executive

Medex Holdings (Pvt) Ltd
01.2010 - 01.2011
  • Responsible for preparation of Purchase and Sales Ledger Accounts, petty cash, expenses, invoicing and post
  • Ensuring budgets are strictly maintained, payroll, reconciliation and making sure BTT , VAT, ESC, NBT tax returns are completed, writing daily sales reports, resolving enquiries from employees, reconciling corporate bank accounts, maintaining Fixed asset inventory, posting of cashbook receipts and payments
  • Completing legal forms and providing statistical information to management
  • Communicating with Inland Revenue, Banks, building societies and external auditors when required
  • Reviewed contractual commitments and suppliers’ terms - advised on adjustments to projects regarding costing, expenditure etc
  • Within Credit Control, working with customers to control payment terms and solve invoice queries
  • Preparing reports on different aspects of the business on weekly and monthly basis and daily registration of Invoices and credit notes
  • Establishment & Implementation of internal control system for the Clients.

Accounts Trainee

Union Assurance PLC
06.2007 - 11.2009
  • Checking the Cashbook on a daily basis tallying the deposit slips to the cashbook and checking the banking
  • Complete Bank Reconciliation on a monthly basis for Head office and 11 Branches
  • Passing Journal entries to the System
  • Reconcile the General Ledger Balance with the Cashbook balance
  • Reconciling the cheques received with regards to the credit card amounts and checking on the rejected payments
  • Inputting cheques payments and the bank payments to the system
  • Dealing with customers inquires as to their premium payments
  • Dealing with banks for credit card inquiries and other inquiries
  • Correspondence to banks with regards to deposit not realised and unidentified amount.

Education

Post Graduate - Business Analytics And Financial Planning

Seneca College of Applied Arts And Technology
North York, ON
09.2025

Skills

  • Attention to Details
  • Computer Literacy
  • Time Management
  • Team Collaboration
  • Customer Service
  • Cash Handling
  • Data Analytics
  • Excellent Communication

Languages

English
Full Professional

Timeline

Relationship Manager

Cargills Bank Limited
10.2017 - 01.2024

Account Officer (Junior Executive)

NDB Bank PLC
04.2011 - 09.2017

Accounts Executive

Medex Holdings (Pvt) Ltd
01.2010 - 01.2011

Accounts Trainee

Union Assurance PLC
06.2007 - 11.2009

Post Graduate - Business Analytics And Financial Planning

Seneca College of Applied Arts And Technology
KARTHIKA SANTHOSH