Guddy's Kitchen

Results-driven Banking Professional with 3+ years of progressive experience in business operations, portfolio management, and credit administration at HDB Financial Services (Under HDFC Bank). Demonstrated expertise in managing 28+ high-value client relationships and overseeing a INR 400 Crores liability portfolio across the Odisha region. Proficient in banking software platforms including CADPRO, Flexcube, and CLIMS.

Engineering graduate with strong analytical acumen, adept at streamlining credit processes, ensuring regulatory compliance, and delivering exceptional client service in high-pressure banking environments. Proven ability to coordinate end-to-end credit operations including documentation, limit releases, KYC processes, and CRM management.

Senior Officer - HDB Financial Services Limited (Under HDFC Bank) - Bhubaneswar, Odisha

(2021-01)

• Portfolio Management: Manage a diverse portfolio of 28+ corporate and individual clients across ECG Odisha, overseeing INR 400 Crores liability portfolio encompassing CASA and Fixed Deposit accounts with comprehensive account management and real-time transaction processing.
• Credit Operations: Execute end-to-end credit administration processes including documentation collection, limit releases, CAM updates, credit noting in CADPRO, and seamless coordination between clients, Relationship Managers, and Credit Approval Departments (CAD) to ensure zero-defect operations.
• Banking Services & Products: Facilitate complex banking products including WCDL rollovers, pledge loans, FD bookings, and manage 40+ trust accounts ensuring full regulatory compliance with RBI and internal guidelines.
• Client Relationship Management: Coordinate disbursal requests, provide end-to-end transaction support, conduct re-KYC processes, enable e-banking facilities, and maintain superior client service standards across the entire Odisha portfolio, achieving high client retention rates.
• Operations Excellence & Compliance: Process high-value RTGS/NEFT transactions, manage post-disbursal documentation, ensure minimal deferrals, handle HVT closures, and maintain comprehensive and audit-ready CRM data management in compliance with regulatory requirements.
• Reporting & Analytics: Prepare daily, weekly, and monthly MIS reports on portfolio performance, credit utilization, and client activity; leverage Microsoft Excel for data analysis and management reporting.

B.E. - Electronics & Telecommunication Engineering - Krupajal Engineering College, Bhubaneswar (2008 - 2012)

Diploma - Electronics & Telecomm. Engineering - KIIT, Bhubaneswar (2005 - 2008)