Assistant Manager at Union Bank of India

July 2023- present

Operations Department:

As an Assistant Manager at Union Bank of India, I've played pivotal roles across various departments,
showcasing a diverse skill set and a commitment to excellence. Initially I have worked in operations
department, where I gained hands-on experience in various banking processes and customer service
practices. This foundational experience equipped me with a solid understanding of the bank's
operational intricacies and customer-centric approach.

Credit Department:

Transitioning into the role of a Credit Officer, I delved into the intricacies of credit assessment and
risk management. A significant aspect of my responsibilities involved processing retail loans,
meticulously evaluating loan applications, and ensuring compliance with regulatory standards.
Additionally, I played a key role in disbursing retail loans, working closely with customers to
understand their financial needs and provide them with tailored lending solutions. Additionally, I
played a key role in handling Micro, Small, and Medium Enterprises (MSME) proposals.

Rural and Agriculture Department:

Building on my experience as a Credit Officer, I assumed the role of a Rural Development Officer,
where I focused on driving financial inclusion and empowerment in rural communities. One of my
primary areas of focus was agricultural finance, where I worked closely with farmers and agricultural
enterprises to provide them with access to essential financial resources. Through tailored loan
solutions and personalized financial advice, I supported the growth and sustainability of agricultural
activities, thereby contributing to rural economic development. Additionally, my involvement in Gold
Loan programs facilitated accessible credit solutions for customers in need, aligning with the bank's
commitment to meeting diverse financial needs.

FOREX Operations and Technological Integration:

My tenure in the FOREX Department provided me with insights into foreign exchange operations,
enriching the bank's global financial services capabilities. Furthermore, I championed the integration
of technology across various banking functions, enhancing efficiency, accuracy, and customer
satisfaction.

Financial Inclusion Initiatives:

Beyond my core responsibilities, I actively participated in Government of India’s financial inclusion

programs, including initiatives such as PMMJJNY, PMSBY, and APY. These programs aimed to provide
underserved communities with access to essential financial services and insurance coverage,
promoting financial resilience and inclusivity.
Credit Risk Assessment and Management:

1. Implemented predictive models to evaluate the creditworthiness of borrowers more accurately.

2. Analyzed historical data and identified patterns to predict loan defaults and optimize risk
mitigation strategies.

3. Worked On CMCC Portal and Union SARAS- Stressed Asset Recovery Automated Solution (SARAS)
to maximize early recovery through robust technology driven automated process and monitoring
recovery portfolio in the bank in more accurate manner, real-time basis, frictionless and agile
process by creating ecosystem to tap all available potential to improve and overcome Debt collection
and loan recovery challenges

Fraud Detection and Prevention:

1. Utilized sophisticated analytics tools to detect and prevent fraudulent activities in real-time.

2. Analyzed transaction data to identify anomalous patterns and flag potentially fraudulent
transactions for further investigation.