Mahak Saraf

Oversee systems integrity and regulatory governance across branch operations, ensuring full SOP adherence and policy compliance. Spearhead process audits and continuous operational improvement initiatives.

Led end-to-end credit assessments for business and MSME loan proposals, analyzing financial statements, cash flows, and collateral. Managed overdraft facilities, monitored portfolio health, and drove recovery strategies for NPA and stressed accounts.

Served as acting Credit Manager and Operations Specialist, handling credit assessment and decision-making for retail, MSME, and business segments. Managed customer relationships to improve retention and cross-sell, supporting branch revenue and profitability targets.

Managed end-to-end branch operations, including compliance, controls, and daily banking functions. Led and mentored branch staff and coordinated audits, regulatory reporting, and process standardisation with regional teams.

Served as In-charge Operations, managing day-to-day branch banking functions in a lean-team environment. Handled Forex transactions and ensured compliance with RBI guidelines while supporting multiple branch operational roles.

Started with Jammu & Kashmir Bank as a Probationary Officer, rotating through branch operations, loan disbursements, audits, and control functions. Built foundational expertise in retail banking, customer onboarding, and credit fundamentals.

Earned a Master of Business Administration (MBA) in Business Administration & Management at the University of Jammu from 2009 to 2011.

Earned a Bachelor of Engineering (B.E.) in Computer Science at the University of Jammu from 2005 to 2009.

Joined as a Probationary Officer (PO) in 2013 through competitive selection and completed initial training and rotations across branch functions.