SARIKA RAVINDRAN
Abu Dhabi
Summary
Forward-thinking Credit Analyst with over 14 years of experience in credit analysis, dispute resolution, and bad debt management, offering expertise in creating credit risk models and account management. Accomplished Branch Operations Manager with a proven track record in bank leadership,and skilled in optimizing operations for long-term success. A highly effective leader with strong problem-solving skills, committed to ensuring exceptional customer service and maintaining smooth, compliant operations.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Credit Analyst
South Indian Bank
01.2022 - 04.2024
- Assessed and mitigated credit risk by conducting thorough financial statement analysis, reviewing credit reports, and evaluating customer data, including credit scores, to determine borrowers' creditworthiness.
- Monitored credit accounts regularly, identifying potential risks and taking corrective action to prevent losses.
- Enhanced portfolio quality through proactive account reviews, recommending appropriate actions to improve risk management strategies.
- Ensured compliance with internal policies and regulatory standards by meticulously documenting credit decisions.
- Streamlined loan approval processes with efficient credit scoring systems, reducing processing times and enhancing decision-making accuracy.
- Mentored junior analysts, led training sessions on advanced credit analysis techniques, and continuously enhanced team performance through fostering a culture of innovation and efficiency. Attended industry conferences to stay current with evolving trends and implemented new financial analysis tools to improve credit evaluations and decision-making speed.
- Recognized for maintaining the highest accuracy in credit risk assessments, reducing delinquency rates through proactive monitoring, and providing valuable insights into risk management strategies, contributing significantly to the firm's financial stability.
- Developed credit models, optimized credit policies, and facilitated recovery efforts with distressed accounts, helping to improve business profitability and customer relationships.
Branch Operations Manager
South Indian Bank
01.2011 - 01.2022
- Managed daily banking operations, ensuring efficiency, regulatory compliance,and exceptional customer service.
- Led process improvements to enhance workflow and productivity while supervising operational staff, focusing on performance management and professional growth.
- Developed strategic plans for financial operations, collaborating with senior management to drive branch growth and streamline operations, resulting in increased branch efficiency and customer satisfaction.
- Built strong client relationships, boosting loyalty and repeat business through personalized service and effective issue resolution.
- Conducted compliance checks and monitored financial transactions to detect suspicious activity, minimizing risk exposure.
- Trained employees on best practices and oversaw staff scheduling to ensure optimal coverage during peak hours.
- Implemented financial dashboards to provide insights into key performance indicators and introduced cost-saving measures that reduced overhead without compromising service quality.
- Prepared and submitted loan applications, conducted financial due diligence, and created internal audit procedures to ensure accuracy in financial reporting. Engaged in long-term strategic planning with executives, contributing to sustainable growth and operational excellence.
Customer Service Executive
South Indian Bank
01.2008 - 01.2011
- Delivered outstanding customer service through multiple channels, addressing inquiries, resolving issues, and providing company information to ensure a seamless client experience.
- Handled high volumes of inbound calls while maintaining professionalism and efficiency, consistently improving customer satisfaction and retention rates by resolving billing errors and addressing escalated concerns.
- Expertly navigated challenging situations and escalations, ensuring positive outcomes for both customers and the organization while adhering to company policies.
- Mentored junior team members, developed new customer service protocols, and collaborated with cross-functional teams to enhance overall service quality.
- Proactively identified areas for improvement by analyzing customer feedback and service trends, leading to optimized processes and higher performance levels.
- Managed key performance indicators to ensure continuous improvement and implemented strategies to maintain customer loyalty, contributing to increased sales and reduced call resolution times.
Education
Bachelor of Commerce -
MG University
Skills
- Risk Assessment
- Credit Analysis
- Financial Statement Analysis
- Cash Flow Analysis
- Strategic Planning
- Compliance Reporting
- Staff Supervision
- MS Excel Proficiency
- Relationship Building and Management
- Business Development Expertise
- Problem-Solving Abilities
- Customer Service
Certification
- Certified Credit Professional (CCP)
- Certified Associate of Indian Institute of Banking (CAIIB)
- Certification in AML/KYC
Accomplishments
- Expanded Loan Portfolio: Collaborated with a team to increase the loan portfolio from Rs. 20 crores to Rs. 50 crores, showcasing exceptional teamwork and strategic planning skills.
- Customer Service Improvement Initiative: Led an initiative to enhance customer service, resulting in a 40% year-over-year increase in branch sales.
- Awarded "Star Performer of the Year" for outstanding performance, recognized for successfully canvassing the highest number of CASA accounts, demonstrating exceptional initiative and achievement in driving key business results.
- Improved employee satisfaction and reduced turnover 20%.
- Repeatedly received recognition from superiors for excellence in service.
- Implemented new quality assurance procedures to maximize customer satisfaction and loyalty.
- Achieved highest Number of new credit accounts opened within one-month period.
Languages
English
Malayalam
Hindi
Tamil
Strengthsandqualities
- Patience when dealing with others.
- Flexibility in thinking and operating style.
- Diligence in ensuring accuracy and quality in work.
- Encouraging and inspiring people to do their best.
- Capacity to adjust and thrive in changing environments.
- Collaborating and working well together with others.
Disclaimer
I hereby declare that the above written particulars are true and correct to the best of my knowledge and belief.
Visadetails - Visastatus
Resident Visa
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Credit Analyst
South Indian Bank
01.2022 - 04.2024
Branch Operations Manager
South Indian Bank
01.2011 - 01.2022
Customer Service Executive
South Indian Bank
01.2008 - 01.2011
Bachelor of Commerce -
MG University
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