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- 1. ATULSONI Mobile:+91-8818898654 ~ E-mail:sonie.atul@gmail.com Address: M-9,Balak Hill View, Shivaji Nagar Ward, Tili Road, Sagar, Madhya Pradesh Seeking challenging assignment in the area of Retail Agri Lending Operations within a progressive and reputed Bank PROFILE SYNOPSIS  Certified PGDBO with 7 years of post-qualification experience in Agri Lending, Retail Assets, Retail Branch Banking, Corporate Banking&Finance coupled with 3.3 years of marketing experience.  Presently working with HDFC Bank as Deputy Manager – Retail Agri Lending.  In-depth knowledge and understandingof banking processes and procedures related to retail Agriculture Lending including KGC, Term Loan, and Cross Selling of various products.  Proficient in day to day branch administration/operations, work scheduling, monitoring performance and ensuring compliance to SLA and all regulatory standards.  Sound understanding of all processes and systems connected with banking industry; conversant with RBI guidelines and other statutory obligations.  Keen strategist who transforms strategic plans into workable solutions and bench marks for performance against key operational objectives.  An unwavering commitment to customer service, with the ability to build productive relationships, resolve complex is sues and win customer loyalty.  High integrity, energetic leader known for ability to envision and create successful outcomes in complex multicultural environment. CORE COMPETENCIES • Retail Agri Lending • Portfolio Management • Branch Banking Operations • Client Relationship Management • Regulatory Compliances • Business Development • Cross Functional Coordination • MIS Reporting • Team Management NOTABLE ACCOMPLISHMENTS  Recognized for excellent performance with CertificateofCustomerSamratforyear2012-13.  Received CertificateofChanakyaforexcellenceperformanceforyear2012-13.  BaggedKnowledgeChampionawardforyear2011-12inPANIndia.  Won1stpositioninBestR&Rforyear2011-12inPANIndia.  Felicitated withCertificateof3rdEyeforexcellenceperformanceforyear2011-12.  Recipient of CertificateofRecognitionforMigrationofnewProfundssysteminPANIndia. ORGANIZATIONAL EXPERIENCE Since Mar’ 14 HDFC Bank, Sagar, M.P. Deputy Manager in Retail Agri Lending Accountabilities  Source agri lending products like crop loans, term loans, Kisan Gold Card, Small Agri business loan.  Accountablefor managing portfolio of 417 clientworth INR 27 CR and responsiblefor rotation of the all existing A/C on time with zero LAD, zero PDD, on time limit renewals and assurance of maintaining the minimum standard NPA/LNPA.  Responsible for effective management of existing portfolio post disbursal formalities.  Facilitate loan appraisal, personal discussion with borrower and Credit Appraisal Memo preparation, documentation and creating mortgage.  Execute loan documents including pre and post sanction disbursement formalities.  Identify and bring up a new business opportunities to increase growth in bank’s assets and expand client base.  Built and maintained professional relationships with all customers and bank staff for effective management of assigned portfolio through optimum utilization of resources.  Recommend and implement various strategies to reduce processing costs for organization and ensure authenticity of all information.  Provide support to all branch operations and managed all communication with branch staff in meetings and ensured compliance to all production and finance activities.  Comply and ensure adherence to all established bank guidelines and policies.  Ensure effective service delivery on time to all bank clients in a professional way with the coordination of various bank departments/verticals.  Create new revenue opportunities and enhance value proposition to the end customer.  Plan and strategize to ensure a maximum quality business penetration through allocated resources and existing opportunities.
- 2. Feb’08- Mar’14 ICICIBank Customer Service Manager/ Officer, CMS HUB Key Assignments Handled Customer Service Manager, Morena (Jul’13- Mar’14)  Performed dataminingandlarge-scalecustomerdatabasedatainterrogationandmanipulation.  Investigated and solved customers' problems, which may be complex or long-standing problems that have been passed on by customer service assistants.  Managed feedback or complaints procedures for customers to use.  Coordinated with cross functional work areas targeted to resolve issues raised by customer.  Assessed the customer feedback, evaluate areas of improvements & provide critical feedback to the associates on improvements and achieve higher customer satisfaction matrices.  Retained customers by providing best possible service in terms of immediate response to enquiries, quick execution of orders & by keeping the customers updated.  Arranged networking events with local businesses and represented the bank at these and promoted its services and products.  Accepted overall responsibility for the banks products like FD/RD, NEFT/RTGS, personal loans, credit cards, unsecured loans and overdrafts. Officer, CMS HUB Mumbai (Feb’08-Jul’13)  Handled all branchqueries such as CMS,lodgement,returns,clearingetc.  Monitoredtransactionregardingprovisionalcreditspassedtotheclientsandfollow-upwithdraweebanksforthefunds.  Crossedverifiedcashentriesformorethan25Lacsonadailybasis.  Ensured alltheupcountryInstrumentlodgedunderspeedclearing&flashingMIStothedefaulterbranchesandRPC'sonadailybasis.  Developed and implemented process and procedures to improve operational efficiency.  HandledtheCMSEODprocessforCMSsystem.  TrackedfundsreceivedfromCorrespondentbankagainstfundstobereceivedaspersystemandapplyingfundsinCMSsystem.  CoordinatedwithcorrespondentBankbranchesforpendingfunds.  PreparedMISreportsforfundsnotreceivedfromcorrespondentbankandflashingthesameinternallytohigher authorities.  Monitoredreportsreceivedfromvendorsreceivedonadailybasisandverificationofsystementries.  Preparedvendor/correspondentbankratingonamonthlybasisbasedonpre-definedparameters.  Monitored and evaluated vendorperformance/correspondentbankperformance&flashingMIStotheconcernedstakeholders PREVIOUS ASSIGNMENT Jun’03-Mar’07 Outpostmagazine(DilasharamPress&PackagingsPvt.Ltd.)Gwalior, M.P Deputy Manager – Circulation (Sep’05-Mar’07); Marketing Executive (Jun’03-Aug’05) ACADEMIC CREDENTIALS  PGDBO from I.F.B.I, NIIT, Ahmedabad, First Class, 2008  CIC from Indira Gandhi National Open University, Delhi, Second Class, 2007  B.Com from Dr. Hari SinghGaur University, Sagar, Madhya Pradesh, Second Class, 2003 PERSONAL DETAILS Date of Birth : 25th October 1981 Languages Known : English & Hindi Permanent Address : FH - 267,DeenDayalNagar,Gwalior, Madhya Pradesh Preferred Location : Madhya Pradesh