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RANJEET KAUR
(504, Sainik Farms, Saket, New Delhi- India – 110062)
(Mob: +91-9650356389, +91-9650002844)
(Email: ranjeet.kaur06@gmail.com)
OBJECTIVE
To be part of the management of a high esteemed corporate, contributing to the growth of the
corporate by excelling in my area of operation using my experience, expertise, knowledge and
innovative ideas. Seeking assignments in Accounting/Operations/Finance/ Marketing/ Brand &
Product Management/ IT-ITES Pre-sales/ Analyst Relations/ Marketing Communications
with an organization of repute.
Professional Overview
Overview
A result driven professional with over 12 years of experience in the areas of Cash Management,
Operations Management, Foreign Remittances and Client Relationship Management, DMAT
Operations, KYC, Compliance and Internal Audits.
Presently associated with the Biggest Branch of Kotak Mahindra Bank Ltd (ING now
Kotak, Panchsheel Park, New Delhi) North India as Branch Operation Service Head (Sr.
Manager) from Aug, 2014, Panchsheel Park Branch is also the biggest branch in terms
of holding the investment for HNI Clients.
Worked with Yes Bank, New Delhi as BSDL (Manager) in Kalkaji Branch and Okhla Phase
II Branch from Sep’2010 till Jul’2014.
Worked with Kotak Mahindra Bank, New Delhi as Service Supervisor (Deputy Manager)
from Dec, 2006 till Aug, 2010
• Adept at handling day to day cash and accounting functions in co-ordination with internal
departments for smooth financial operations and Internal Audits.
• Making and ensuring cross selling over the counter
• Experience in different units/segments of the Bank comprising of Corporate, Retail,
Customer Services and other Cash Management Units.
• A keen analyst with exceptional communication, negotiation and relationship management
skills and abilities in liaising with external agencies.
• A keen learner with a constant zest to acquire new skills
AREAS OF EXPERTISE
• Accountable for handling/supervising the banking operations including Payments.
• Handling Trade Operations Services/BG, LC, Outward and Inward remittances.
• Handling front-end operations for Savings, current & fixed deposits for residents and non-
resident customers.
• Managing various services for the high profile key clients (Development organizations,
Global Corporate, Local Corporate, Middle Market).
• Remittances: Handling inward telegraphic transfers (ITT) and outward telegraphic transfers
(OTT) in local and FCY.

• Manage cross–functional services-support activities for wealth management, trade finance,
CASA and related banking services and Internal Audits.
• Solving customer inquiries for Corporate, Middle Market and Retail banking (Private,
consumer, and NRE) customers received via SWIFT, e-mails and telephonically by liaising
up with various counterparts.
• Handling FD’s and Opening of accounts for various walk-in customers, corporate and NR.
Client Relationship Management
• Interacting with the customers to gather their feedback regarding the products/services.
Have been actively involved in client visits for their feedback as well as internal survey for
process improvements.
• Building new relationships and interacting with the existing clients for marketing of the
various products offered by the bank like Deepening of account, FD, Direct Banking
Channel Registration etc.
• Ensuring a customer focused approach for quick re-dressal of queries & complaints received
at any level.
ACHIEVEMENTS
 Set up, streamlined and manage Branch Operations for Kotak Mahindra Bank, Gulmohar Park
Branch, New Delhi.
 Received Certificate of Appreciation in 2008 for doing 16 SIP’s in a single day, selling of Car
loan and CASA Deepening.
 Received Certificate of Appreciation thrice in 2008-09 for First Pass being maintained above
95% (related to account opening forms being sent to RPC and being opened in first instance
itself).
 Received Certificate of Appreciation in 2009 again for First Pass being maintained above 95%
and for Nil Siebel Escalations and Zero Complaints management
 Maintained No. 1 position PAN India Branches in Service Quality in the month of Nov 2009, Jan
& Feb 10.
 Achieved and driven team and as a team won “Auto Pay Branch of the week” tag in the month of
February 2009 and October 2009.
 Received Certificate of Appreciation for selling of Gold and winning the maximum TD selling
contest in year 2009.
CAREER HIGHLIGHTS
(Dec 2006 – Aug 2010) Kotak Mahindra Bank – Deputy Manager Retail (Branch Operations)
Dept: - Branch Operations & Customer Service.
• Head Customer Service and Operations for Gulmohar Park Branch, New Delhi.
• Authorize day to day cash and other transactions and cross checking the correctness of the
transactions with the Batch Journal Report at EOD.
• Provide leadership, direction and motivation to team members.
• Define roles and conduct periodic review of activities.
• Define ways for improving customer satisfaction being at a second escalation level.

• Monitor discrepancies and re engineer the process to reduce discrepancies.
• Coordinate with sales in ensuring smooth day to day operations of the branch being the second
level of escalation.
• Coordinate with the regional processing centre, Delhi and with central functions, Mumbai in
getting cases processed to ensure smooth operations.
• Provide feedback/suggestions to top management on the betterment of processes/operations.
• Checking of Savings, Current , Demat , NR , TD account opening forms ( ensuring KYC
checks) before sending the AOFs for processing to regional/ central departments.
• Maintaining and sending daily reports to respective divisions regarding Large transactions,
accounts in TOD, dormancy report, suspicious transaction ( if any), new accounts opened
report, Compliance Certificate etc.
• Monthly Cross- Checking and verification of Cash at ATM.
• Doing Compliance and Internal Audit Check monthly at other branches.
Dept: - Account Opening
• Scrutiny of application forms for account opening logged in by sales.
• Ensure adherence to KYC and compliance with audit parameters.
• Coordinate with relationship managers for requirements triggered applications.
• Generate monthly accuracy MIS and improve productivity.
Dept: - Administration
 Approve/Sign off bills/ claims that are within my purview.
 Strict monitoring of the petty cash and ensuring the same is used only for legitimate
expenses.
(Nov 2005-May 2006) HDFC Bank Ltd. – Asst. Manager – Retail (Teller), Kalkaji Branch.
Dept: - Retail Liabilities – Branch Banking
• Handling day-to-day opening and closing of cash.
• Processing cash , fund transfer and other transactions daily
• Generating and Printing BOD and EOD reports daily
• Ensuring completeness of daily vouchers from audit perspective.
• Also handled front end operations and cross-sold HDFC bank products.
• Cross-checking and processing clearance cheques.
2005 (Jan) – 2005 (Oct) E-Serve International [Citi Group] Gurgaon – Citi Phone Officer
Dept: - Credit Card – Loan on Phone Outbound Calling
• Calling Citi bank credit card customers for loans over their credit cards as per eligibility.
• Had achieved target of more than 30 Lacs in the same.

• Ensuring that the loan is sold correctly as per the company norms and avoiding mis-selling
practices.
2002 (May) – 2004 (Dec) Indian – Biz.com, Malviya Nagar, New Delhi – Executive Assistant
Dept: - Admin, Accounts and Finance
• Handling the office accounts and managing the MIS.
• Also fixing appointments through cold- calling for promoting company products like
website designing, etc.
• Participation in finalization of Financial statements and Analysis
• Also cross-checking and maintaining MIS for DSR (daily sales report) of the Sales
Executives of the company.
• Updating and training staff about the amendments and additions in company products.
• Ensure Quarterly Vendor balance confirmations/reconciliations.
• Preparation of Outstanding MIS for the higher management
EDUCATION
• H.S.C. [10th] 1998.
• S.S.C. [12th] 2000.
• Completed B.Com from Kamla Nehru College (DU) in 2003.
• Have Done CIC (Certificate In Computing) From IGNOU, 2001.
PERSONAL STRENGTHS & INTERESTS
Besides being Optimistic, Ambitious, Hard working and a Fast Learner, I try to arrive at simple
solutions to problems, and innovative methods/ideas at work.
Listening to Music, Painting and Cooking.
PERSONAL PARTICULARS
Name : Ranjeet Kaur
Husband’s Name : Mr. Siraj Akhtar
Date of Birth : 18 July 1982.
Address : 504, Sainik Farms, Saket, New Delhi- India – 110017
Contact No. : +91-9650356389, +91-9650002844
Nationality : Indian
Marital status : Married
Gender : Female

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