PARUL PERIWAL
Banker
Summary
Skilled Branch Manager with demonstrated success in coordinating team and financial activities. Friendly and adaptable professional with remarkable leadership and program management skills.
Overview
8
8
years of professional experience
8
8
years of post-secondary education
Work History
Bank Branch Manager
HDFC Limited
12.2017 - 05.2020
- Managed monthly home loan disbursement of Rs 80 Cr (SGD 16 mn equivalent in 2020) from branch.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Handled team of 3 Credit Analysts and 2 support staff; assessed their performance and developed improvement plans.
- Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
- Generated financial and operational reports to assist management with business strategy.
- Resolved various issues impacting sales management and business operations.
- Reduced process bottlenecks by training and coaching employees on practices, procedures, and performance strategies.
Assistant Manager
HDFC Limited
Kolkata
07.2012 - 12.2017
- Part of Front Office consisting of 3 member credit analyst team managing monthly targets of 65 Cr of Home Loan disbursements.
- Customer interaction for loan appraisal and loan servicing requirements suggesting optimal solutions to client.
- Conduct valuation and legal due diligence of property with concerned technical and legal team respectively.
- Calculate Credit Analysis metrics like Fixed Obligation to Income ratio, Installment to Income ratio, Loan to Valuation ratio, Loan to Cost ratio required for Loan Sanctioning.
- Handle prepayment, rate conversion options and closure of loan products.
- Expert in various kinds of loan products like Mortgage loans, Land Loans, Home loans, NRP etc.
- Prepare various MIS reports in Excel and PowerPoint related to service center monthly business performance and disbursement forecasts.
- Generated repeat business through exceptional customer service and responded to customer concerns with friendly and knowledgeable service
Education
MBA - Finance
Indian Institute of Social Welfare And Business Management
Kolkata, India 07.2010 - 06.2012
Bachelor of Technology - Computer Science
MCKV Institute of Engineering
Kolkata, India 07.2005 - 07.2009
Higher Secondary (12th Standard) -
Loreto House
Kolkata, India 04.2003 - 03.2004
SSC (10th Standard) -
Hind Motor Education Centre
Hind Motor, India 04.2001 - 03.2002
Skills
Proficient in MS Office
Strong team-builder
Relationship building and management
Loans
Accomplishments
- Ranked 3,842 in West Bengal Joint Entrance Exam among 1.5 Lacs applicants.
- Stood 2nd in college during B-Tech 8th semester.
- Stood 1st in college during MBA 3rd semester.
- 3rd Position in Inter B-School management event- Markit, organized by FMS Delhi in 2011.
- Part of core organizing team for UTOPIA, a cultural fest at IISWBM, Kolkata.
Personal Information
Date of Birth: 08/21/86
Timeline
Bank Branch Manager
HDFC Limited
12.2017 - 05.2020
Assistant Manager
HDFC Limited
07.2012 - 12.2017
MBA - Finance
Indian Institute of Social Welfare And Business Management
07.2010 - 06.2012
Bachelor of Technology - Computer Science
MCKV Institute of Engineering
07.2005 - 07.2009
Higher Secondary (12th Standard) -
Loreto House
04.2003 - 03.2004
SSC (10th Standard) -
Hind Motor Education Centre
04.2001 - 03.2002