- Language Skills: Fluent in Hindi, Urdu, Punjabi, Gujarati, Marathi and English
Nikita Bhagra
Guelph
Summary
Dynamic and results-oriented customer service professional with a proven track record of delivering exceptional service and support. Expertise in resolving customer inquiries, enhancing satisfaction, and fostering positive relationships through effective communication and problem-solving skills. Committed to leveraging extensive experience to contribute to a team-oriented environment while driving customer loyalty and retention. Eager to bring a strong work ethic and a passion for helping others to a new role in customer service.
Overview
2026
2026
years of professional experience
1
1
Certificate
Work History
Esthetician
B*Vogue Spa
Esthetician
B* Vogue Spa
10.2015 - Current
- Confer with clients to find their needs and cosmetology objectives
- Analyze skin type in order to figure out an appropriate plan of action
- Select a procedure that best conforms to the needs of the client
- Provide education to clients regarding procedure to be performed
- Give clients an overview of the products that will be used during procedures
- Ask clients if they are allergic to any products
- Steam skin to prepare it for facial treatments
- Administer facial masques and remove blackheads
- Perform exfoliation treatments and remove blackheads
- Perform skin toning procedures
- Manage Skin and hair treatments
- Perform massage therapies in accordance to clients' needs
- Carry out chemical peels treatments
- Recommend home care regimes for skin and hair care
- Attempt to sell the spa's products to clients
- Escort guests to procedure rooms and sauna bath
- Prepare procedure rooms prior to each procedure
- Manage the overall inventory of products
- Ensure that all equipment used in therapies is cleaned and maintained at all times
- Take client medical history and record all information in database
- Follow up on clients through telephone and emails
Licensed Hair Stylist & Cosmetologists
First Choice Haircutters
08.2014 - Current
- Consultation with Clients
- Provide beauty services, such as shampooing
- Cutting and Styling Hair for women and men
- Hair coloring
- Head massaging and treating scalp.
- And shaping eyebrows and face: threading and waxing
- Answering phones and making appointments
- Retailing hair products
- Cleaning
- Passionate esthetician with high-energy background working in fast-paced retail environments. Possess outstanding knowledge of skincare regimens and treatment procedures. Tenacious individual who is keen to work extra hours and go the extra mile to ensure complete client satisfaction
- Provided personalized consultations to determine client preferences and styling needs.
- Executed various haircutting techniques, ensuring high-quality results for diverse hair types.
- Maintained cleanliness and organization of workstations to promote a safe salon environment.
- Executed haircutting techniques using various tools, ensuring precision and client satisfaction.
- Provided personalized hair consultations to determine client preferences and desired styles.
- Maintained cleanliness and organization of workstations to promote a safe environment.
- Assisted in product selection, educating clients on maintenance and styling products.
- Adapted to diverse client needs, demonstrating flexibility in styling approaches and techniques.
- Collaborated with team members to enhance service delivery and improve customer experience.
- Cultivated long-term client relationships through exceptional service and follow-up communications.
- Participated in ongoing training sessions to stay updated on industry trends and techniques.
- Developed strong relationships with clients, leading to increased repeat business and referrals.
- Contributed to a positive work environment by supporting team members and assisting with tasks as necessary.
Mortgage Agent
NVR Mortgages
09.2020 - 03.2024
- Developed and fostered my customer base through my own contacts
- Promoted the quality mortgage products that RMA offered.
- Identified the needs of customers and planned the sales opportunities based on them.
- Interviewed the pre-qualified and possible clients and listened to their doubts and hesitancy regarding the mortgage loans and repayment plans.
- Recommended the suitable mortgage loan product to the customers depending on their need and wishes and guided them along until we reached a suitable product customized for them
- Assisted clients in understanding mortgage options and application processes.
- Reviewed client documentation to ensure compliance with lending regulations.
- Coordinated communication between clients, lenders, and real estate professionals.
- Managed loan processing timelines to ensure timely approvals and closings.
- Analyzed financial information to assess borrower eligibility for mortgage products.
- Provided tailored guidance to clients on improving credit scores and financial readiness.
- Developed informative materials to educate clients about mortgage products and services.
- Built strong relationships with referral partners to enhance business opportunities.
- Provided thorough explanations of various mortgage products to clients, assisting them in selecting the best option for their needs.
- Maintained a high level of professionalism in all interactions, fostering trust and building long-term client relationships.
- Streamlined mortgage application processes for faster turnaround times and higher customer satisfaction rates.
- Negotiated favorable mortgage terms with lenders, resulting in lower interest rates and fees for clients.
- Assisted clients throughout the entire mortgage process, from initial consultation to closing day support.
- Conducted post-closing follow-ups with clients to maintain relationships and encourage future referrals, contributing to long-term business growth.
- Developed strong relationships with real estate agents, builders, and other industry professionals to grow referral network.
- Analyzed applicants'' creditworthiness by reviewing financial statements and conducting background checks, ensuring informed lending decisions were made consistently.
Mortgage Agent
FDS Broker Services
07.2015 - 09.2020
Mortgage Agent
Real Mortgage Associates
10.2014 - 06.2015
Mobile Mortgage Specialist
Meridian Credit Union
05.2010 - 04.2012
- Company Overview: Central Region of Wellington
- Assisted customers with finding the best mortgage that best suited their needs and processed mortgage applications. Always cross selling creditor's protection as part of their advice and mortgage solution by showing the benefits.
- Always reviewed paperwork to ensure 100% accuracy and completeness of the mortgage application before submission to corporate office underwriters for mortgage approvals and ensured administration at corporate office managed the process through successful closing
- Successful history of originating loans through solicitation of builder/developers, Real estate brokers/agents, Financial Planners, Solicitors and past /existing client referrals.
- Successful referrals were submitted to branches and commercial division
- Being available 24/7 helped me be productive in returning calls in a timely manner and cultivate new potential opportunities.
Financial Advisor
TD Canada Trust
12.2004 - 01.2010
- Company Overview: Edinburgh Road, Guelph, Ont N1G 4Z1
- As one of the senior advice provider in the branch I understood the banking and financial needs of customers, and provided appropriate advice and recommendations to help clients achieve their goals. I was the primary contact and resource for large/complex investment and credit needs such mortgages, Home Equity Lines of credit, Personal and Business loans, often dealing with high value customers. I continuously met and exceeded my personal goals and contributed to branch team business success. I used basic wealth management and debt management concepts to meet customer's personal and business financial needs.
- Engaged in proactive activities such as leads, participated in branch campaigns, foster relationships with external referrals to provide optimal sales and service results.
- Developed customized financial plans to meet client goals and objectives.
- Established strong client relationships through effective communication and trust-building.
- Educated clients on financial products, services, and market conditions for informed decision-making.
- Collaborated with team members to enhance service delivery and improve operational efficiency.
- Built strong relationships with clients, fostering trust and loyalty in managing their financial portfolios.
- Educated clients on various financial matters and provided professional recommendations on investment opportunities, products, and services based on each clients' individual needs.
- Developed personal rapport with each client to maintain customer loyalty and establish long-term accounts.
- Established new client relationships by conducting thorough needs assessments during initial consultations.
- Developed comprehensive financial plans for clients to achieve short-term and long-term goals.
- Facilitated new client onboarding process and investment account setup.
- Provided comprehensive retirement planning services, ensuring clients maintain their desired lifestyle postretirement.
- Mentored junior advisors, sharing knowledge, expertise, and best practices to enhance team performance.
Financial Services Representative
TD Canada Trust
08.1996 - 12.2005
- Company Overview: 200 Kortright Rd W, Guelph, Ontario N1G 4x8
- In this position, I was an integral part of the Branch Sales and Service team
- My focus was to provide the right banking solutions - solutions that meet the diverse financial needs of both established and new customers
- By opening new personal and business accounts, offering basic credit and investment counseling, and promoting the sale of all personal TD Canada Trust banking products and services.
Customer Services Officer
TD Canada Trust
07.1989 - 08.1996
- Company Overview: 585 Scottsdale Drive, Guelph, Ontario N1H 4E5
- As an energetic Customer Service Representative I provided exceptional customer service to customers while processing their transactions in an efficient, accurate and friendly manner. -I delivered a consistent customer service experience to each customer and contribute to the ongoing improvement of the overall experience, by meeting the customer's basic needs.
- I have identified opportunities to promote and provide advice on TD Canada Trust products and services while assisting in the sales referral process.
Education
Certified - Skincare Laser & Cosmetology
Dr. Jamuna Pai's Institute For Medical & Aesthetic Cosmetology
02.2016
Cosmetology
Dr. Jamuna Pai's Institute For Medical & Aesthetic Cosmetology
MUMBAI, INDIA03.2012
Associate of Arts - Cosmetology
MINQ Ooh La Lash Eyelash Course Level 1
06.2015
Diploma - undefined
Cidesco International Beauty Therapy
01.2015
Completion of Mortgage Agent Course - undefined
The Real Estate and Mortgage Institute of Canada Inc.
10.2013
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Voila Institute of Hair design
11.2012
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Canadian Securities
09.2003
Certified Skin Care Consultant - undefined
Conestoga College
01.1988
Completion of Grade 12 - undefined
Centennial Collegiate Vocational Institute Guelph
06.1982
Skills
- An independent professional who enjoys developing new business in a fast-paced, competitive market skills
- Excellent interpersonal Relationship Management skills
- Sales & Customer Services
- Understanding client requirements
- Analyzing business trends
- Business development and Communications
- Language Skills: Fluent in Hindi, Urdu, Punjabi, Gujarati, Marathi and English
Accomplishments
- TD Canada Trust Champions Winner 2008
- In branch Creditors Protection sales winner 2003, 2005, 2009
- In branch RRSP Sales winner 1998, 2000, 2002, 2005 2007
- Mutual Funds Million Dollar sales Achievement 2006, 2007
- Nominated for Awards of Excellence 2003
Languages
English
Full Professional
Affiliations
- Board of Directors of Immigration Services Guelph Wellington since September 2010 – Febuary 2012
- Member of the Guelph Home Builders Association of Guelph since 2010
- Treasurer, of East Indian Ladies Club of K-W, Cambridge, Guelph area September 2010 – 2011
- Member of the Guelph Toastmasters Advantages
- Bank Advisor, Mentor at Junior Achievement of Guelph Business after school program since October 1997 and current
- TD Canada Trust RRSP Campaign Leader for in branch RRSP successful campaigns increasing branch volumes and goal for 2006, 2007
- TD Canada Trust Group RRSP Representative for a Rowan Williams Davies and Irwin Inc. (RWDI) a Canadian firm of consulting engineers located in Guelph, Ontario since 2005
- TD Canada Trust Everyday Banking Campaign leader for in branch successful campaigns increasing volumes and meeting branch goals for 2002, 2003
- President, of East Indian Ladies Club of K-W, Cambridge, Guelph area September 2004-2005 and a Member till current
Certification
- Dr. Jamuna Pai's Institute for Medical & Aesthetic Cosmetology, Mumbai, India
- MINQ Ooh La Lash Eyelash Course Level 1 June 2015
- Fernanda's Beauty Products Mississauga, Ontario
- Cidesco International Beauty Therapy Diploma January 2015
- Butic Institute of Beauty Therapy, Mumbai, India
- Completion of Mortgage Agent Course October 2013
- The Real Estate and Mortgage Institute of Canada Inc.
- Hair cutting and styling course November 2012
- Voila Institute of Hair design, Kitchener, Ontario
- Canadian Securities September 2003
- The Canadian Securities of Canada
- Certified Skin Care Consultant January 1988
- Conestoga College
Timeline
Mortgage Agent
NVR Mortgages
09.2020 - 03.2024
Esthetician
B* Vogue Spa
10.2015 - Current
Mortgage Agent
FDS Broker Services
07.2015 - 09.2020
Mortgage Agent
Real Mortgage Associates
10.2014 - 06.2015
Licensed Hair Stylist & Cosmetologists
First Choice Haircutters
08.2014 - Current
Mobile Mortgage Specialist
Meridian Credit Union
05.2010 - 04.2012
Financial Advisor
TD Canada Trust
12.2004 - 01.2010
Financial Services Representative
TD Canada Trust
08.1996 - 12.2005
Customer Services Officer
TD Canada Trust
07.1989 - 08.1996
Diploma - undefined
Cidesco International Beauty Therapy
Completion of Mortgage Agent Course - undefined
The Real Estate and Mortgage Institute of Canada Inc.
undefined
Voila Institute of Hair design
undefined
Canadian Securities
Certified Skin Care Consultant - undefined
Conestoga College
Completion of Grade 12 - undefined
Centennial Collegiate Vocational Institute Guelph
Esthetician
B*Vogue Spa
Certified - Skincare Laser & Cosmetology
Dr. Jamuna Pai's Institute For Medical & Aesthetic Cosmetology
Cosmetology
Dr. Jamuna Pai's Institute For Medical & Aesthetic Cosmetology
Associate of Arts - Cosmetology
MINQ Ooh La Lash Eyelash Course Level 1
Community Involvement
- Volunteer and participant for Multiple Sclerosis for Guelph community since 2009
- Coordinator for Terry Fox Foundation in Guelph, Ontario since 1999-2010
- Volunteer for Junior Achievement of Guelph Economics of Staying in school program since 2004, coaching grade 7 and 8 students value of staying in school
- Organizing East Indian Ladies Club Community events for 2004-2005
- Volunteer and participant for Guelph and Kincardine Relay for Cancer since 2008, 2009, 2010
- Volunteer Hot Foot happenings for the Guelph General Hospitals 1996