MOUMITA ROY CHOUDHURY
Brampton,Canada
Summary
Experienced professional with a strong background in branch management, adept at improving operational efficiency, driving growth, and fostering team collaboration. Recognized for adaptability to changing needs and effective problem-solving skills. Demonstrates expertise in strategic planning, delivering exceptional customer service, and ensuring financial oversight. A reliable leader focused on achieving results and empowering teams to excel.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Branch Manager
UNION BANK OF INDIA
06.2022 - 03.2023
- Overseeing Daily Operations: Supervised day-to-day activities such as cash management, account opening, customer service etc
- Compliance and Regulatory oversight: Ensured compliance with banking regulations and policies
- Meeting Financial Goals: Monitored and managed branch's financial performance, including profitability, revenue generation and expense control
- Achieved annual target of Saving Bank deposits, Term deposits, Retail advances, Agricultural advances, and Total advances
- Business Development: Grew branch business by Rs.120,000,000 in 9 months
- Achieved total profit of Rs.10,300,000 in financial year 2022-23
- Identified opportunities for business growth and developed relationship with potential clients
- Reporting and Documentation: Prepared and submitted various reports, documents and records required by regulatory authorities
- Customer Relationship Management: Built and maintained relationships with existing and potential customers to enhance customer satisfaction and loyalty
- Assessed customer's needs and provided the solutions
- Financial Management: Managed branch financials including budgeting, forecasting, and expense tracking for accurate reporting and decision-making support
- Audit and Internal controls: Coordinated with internal and external auditors to ensure compliance with audit requirements and implemented internal controls to prevent fraud and errors
- Credit Decision making; Sanctioned loans for various purposes to the customers after assessing their credit worthiness and ability to repay the loans
- Recommended mortgage loans and high value business loans to the concerned department for sanctioning with relevant documents
- Conducted pre and post inspections to the borrower's place
Deputy Branch Manager
UNION BANK OF INDIA
06.2019 - 05.2022
- Branch Operation: Assisted the branch manager in managing daily operations, such as opening and closing procedures, maintaining cash levels, and ensured compliance with banking regulations
- Customer service: Supported the branch staff in providing excellent customer service, handled customer inquiries and complaints, and ensured that customer needs are met promptly and effectively
- Financial Management: Assisted with financial management, including monitoring, and analyzing the branch's financial performance, and managed expenses
- Staff Management: Supervised the work of operation officer, credit officer and other clerical staff members
- Compliance and risk Management: Ensured that the branch operates in compliance with all relevant regulations and bank policies and implemented risk management practices to mitigate operational, credit and other risks
Operation Officer
UNION BANK OF INDIA
07.2012 - 05.2019
- Customer service: Ensured excellent customer service standards
- Helped the customers in person, via phone or online regarding various banking services, including opening accounts, issuing debit cards, processing transactions, and addressing account inquiries
- Resolving Issues: Addressed and resolved customer concerns or complaint promptly and effectively
- Coordinated with other departments or escalated the issue to the concerned person when necessary
- Handling transactions: Processed a variety of financial transactions including deposits, withdrawals, transfers, and payments while ensuring accuracy and compliance with banking rules and regulations
- Account Management: Assisted customers with account maintenance tasks such as updating contact information, ordering cheques, KYC updating etc
- Compliance: Ensured compliance with regulatory and legal requirements, such as Anti-Money Laundering (AML) and Know Your Customer (KYC) protocols
Education
B.Sc. (Hons.) - Mathematics
Sido Kanhu Murmu University
05.2004
Skills
- Regulatory Compliance
- Digital Education
- Organization skills
- Problem Solving
- Financial Advising
- Customer service
- Excellent time management skills
- Excellent work ethic
- Relationship building and management
- Business development expertise
- Sales expertise
- Client acquisition
- Banking
- Cross-selling strategies
- Verbal/written communication
Certification
- Junior Associate of the Indian Institute of Bankers (JAIIB)
- Certified Associate of Indian Institute of Bankers - International Banking (CAIIB)
- CSC(Canadian Securities Course Vol1 cleared(80% marks). Vol2 exam scheduled
Additional Information
Holding valid driver's license and car.
Languages
English
Hindi
Bengali
Timeline
Branch Manager
UNION BANK OF INDIA
06.2022 - 03.2023
Deputy Branch Manager
UNION BANK OF INDIA
06.2019 - 05.2022
Operation Officer
UNION BANK OF INDIA
07.2012 - 05.2019
- Junior Associate of the Indian Institute of Bankers (JAIIB)
- Certified Associate of Indian Institute of Bankers - International Banking (CAIIB)
- CSC(Canadian Securities Course Vol1 cleared(80% marks). Vol2 exam scheduled
B.Sc. (Hons.) - Mathematics
Sido Kanhu Murmu University
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