Nawal Kishore KALRA

Managed customer grievances under the Banking Ombudsman Scheme and led initiatives for financial inclusion. Specialized in resolving complex customer complaints related to fraudulent transactions and enhancing customer satisfaction. Conducted root cause analysis and led awareness programs on financial fraud prevention.

Led the Cash Department during the demonetization period, managing cash inflows and ensuring efficient currency distribution. Established cash handling procedures and coordinated the destruction of demonetized notes, while managing a large team.

Conducted regulatory inspections of commercial banks to ensure compliance with banking regulations. Provided recommendations for operational improvements and developed comprehensive inspection reports that influenced policy changes.

Facilitated internal and external audits, prepared annual budgets, and monitored compliance across departments. Streamlined audit processes and achieved 100% compliance in audits under leadership.

Held various positions contributing to banking operations, including training on counterfeit currency detection. Enhanced operational efficiencies and contributed to the integrity of currency management.

Completed the Certified Associate of the Indian Institute of Bankers (CAIIB) program, which focused on banking regulations, financial management, and operational efficiency in banking.

Graduated with a Master of Arts in Social Work, achieving 1st rank in the university. The program focused on social welfare, community development, and various aspects of social work practices.

Graduated with a Bachelor of Arts in Economics, achieving 1st rank in college. The program provided a strong foundation in economic theory, principles, and practices.