Maria Deepthi

Dedicated banking professional with 5+ years of experience in Finance Sector expertise in housing loan financial transactions, teller operations, cash management, transaction authorization, compliance, reconciliation, vault operations, and customer service. Seeking a role to leverage expertise in financial transaction processing, regulatory compliance, and customer relationship management to ensure operational accuracy and enhance service delivery. Organized and dependable candidate successful at managing multiple priorities with a positive attitude.

Willingness to take on added responsibilities to meet team goals.

Executive at Repco Home Finance Ltd (2022-04 – 2024-03)

• Processed home loan applications: sourcing, sanctioning, disbursement, and documentation.
• Conducted property inspections, and coordinated with sub-registrar offices, and legal/valuation teams.
• Performed CIBIL and KYC verification, ensuring regulatory compliance.
• Handled original documents (OTC and post-disbursement), maintained Equitable Mortgage Register, and CERSAI entries.
• Managed cash/bank entries, reconciliations, and back-office operations.
• Monitored delinquent accounts, issued SARFAESI legal notices, and implemented recovery strategies to reduce NPAs.
• Developed innovative solutions to complex problems, resulting in improved organizational performance.
• Established long-term client relationships through consistent delivery of high-quality products and services.
• Enhanced customer satisfaction by streamlining communication channels and improving response times.
• Mentored junior staff members for accelerated career growth.
• Handled problematic customers and clients to assist lower-level employees and maintain excellent customer service.
• Interacted well with customers to build connections and nurture relationships.

Teller (Cashier) at HDFC Bank Ltd (2018-02 – 2019-03)

• Authorized and processed cash transactions, deposits, withdrawals, and payments with 100% accuracy.
• Managed vault custody, locker operations, and teller cash limits.
• Promoted digital banking, cross-sold credit cards, mutual funds, insurance, and loans.
• Updated RD/FD interest rates and encouraged customers to invest.
• Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
• Maintained cash drawer accuracy by conducting regular audits and implementing effective cash handling practices.
• Maintained up-to-date knowledge of bank products, services, promotions, policies, regulations to better assist customers with their financial needs.
• Demonstrated adaptability during peak business hours by multitasking and prioritizing tasks to maintain efficiency and quality of service.
• Maintained accurate records of customer transactions in line with bank procedures.
• Disbursed cash and checks accurately while maintaining security of cash drawers.
• Educated customers on use of banking website and mobile apps.
• Increased cross-selling opportunities by identifying customer needs and recommending appropriate banking products or services.
• Identified sales opportunities and referred customers to branch partners in financial services.
• Increased customer satisfaction through friendly interactions and resolving issues promptly.
• Reduced errors in transaction processing by implementing double-check system for large withdrawals and deposits.
• Generated monthly reports on customer activity and customer feedback.
• Cross-sold credit cards, loans and other bank products.

Junior Accountant at Mugunthan & Associates (2014-07 – 2016-12)

• Maintained accounting records, reconciliations, and financial documentation.
• Prepared financial statements, balance sheets, and audit reports.
• Supported statutory audits, and ensured data confidentiality.
• Prepared bank reconciliations on a monthly basis to identify potential discrepancies between company records and bank statements.
• Provided support during audits by gathering requested documentation and answering questions from auditors.
• Prepared working papers, reports and supporting documentation for audit findings.
• Enhanced financial reporting accuracy by efficiently reconciling accounts and preparing journal entries.

Software Testing Training Course in Software Testing- JAVA Selenium – Greens Technologies (2025-09)

Post Graduate Diploma in Banking in Banking And Finance – NIIT (2017-12)

Bachelor of Computer Applications in Computer Applications – PSGR Krishnammal College For Women (2014-04)