Reshma Ps

Result-driven Banking & Financial Services professional with over 8 years of multifaceted experience across retail banking, gold loan appraisals, branch administration, KYC compliance, and academic marketing. Proven track record in streamlining branch operations, conducting collateral verification, ensuring zero-error audit documentation, and driving customer acquisition. Recognized with three consecutive Annual Excellence Awards for outstanding leadership and operational efficiency.

Seeking challenging roles across scheduled private banks and leading NBFCs.

Gold Loan Officer at CSB Bank Ltd. (2025-03 – Present)

• Conduct accurate gold valuation, purity verification, and credit appraisal in strict accordance with CSB Bank operational manuals and RBI prudential lending guidelines.
• Direct end-to-end loan sanctioning, pledge documentation, safe vault deposit custody, and secure redemption releases.
• Drive customer engagement to improve branch portfolio health, achieve recovery milestones, and cross-sell core retail products.
• Maintain 100% audit compliance across daily register balance, vault physical tallies, and regulatory reporting.

Manager – Marketing and Academics at Apttitech (2022-05 – 2025-02)

• Spearheaded academic administration, strategic institutional outreach, and career development initiatives across top colleges in Kerala.
• Managed marketing budgets, corporate employer relations, course pricing structures, and student intake campaigns resulting in 30%+ annual enrollment growth.
• Directed program coordinators and academic instructors, instituting standardized training curricula, feedback loops, and placement pipelines.
• Prepared comprehensive monthly operational reviews and revenue performance reports for senior executive leadership.

Senior Manager – Operations & Branch Banking at Subhkiran Capital Ltd. (2017-01 – 2022-04)

• Supervised comprehensive branch administrative routines, credit assessment pipelines, loan files verification, and front-office customer service teams.
• Managed daily branch cash reconciliations, petty cash registers, and inter-bank account balancing with zero audit discrepancies.
• Reviewed detailed quarterly and annual branch financial reports with comparative variance analyses for direct presentation to corporate executives.
• Initiated automated verification checklists that reduced documentation turnaround time (TAT) by 25% while maintaining strict credit governance.
• Handled high-value customer interactions, dispute escalations, and cross-functional coordination with regional audit heads.

Customer Relationship Executive at Muthoot Fincorp Limited (2013 – 2014)

• Provided front-line customer assistance for gold loans, MSME micro-credits, foreign exchange, and domestic money transfer services.
• Administered primary KYC documentation, customer identification records, and statutory compliance files for seamless loan onboarding.
• Conducted systematic customer follow-ups that led to consistent monthly interest collections and minimized portfolio delinquency.

Master of Commerce in Commerce – MG University, Kerala (2013)

Bachelor of Commerce in Commerce – MG University, Kerala (2011)

Higher Secondary Examination – Board of Higher Secondary Education, Govt. of Kerala (2008)