valerie paul

Manage and grow a corporate loan portfolio for emerging clients above ₹7.5 Cr, driving new client acquisition and deeper relationship growth. Structure and appraise credit proposals for working capital and term loans while collaborating with credit/risk teams to support portfolio quality and NPA management.

Led end-to-end branch operations for retail liabilities, deposits, and asset products, aligning execution to profitability goals. Ensured 100% KYC/AML and regulatory compliance through internal and statutory audits with zero major observations while spearheading digital banking initiatives to improve operational efficiency and customer experience.

Supervised day-to-day branch operations to consistently meet performance, service quality, and compliance standards. Improved customer satisfaction by implementing a structured complaint resolution framework and supported management in driving sales growth through targeted team strategies.

Managed daily branch operations including financial transactions and fraud monitoring to drive productivity and improve customer satisfaction. Trained and upskilled employees on procedures and compliance, and streamlined processes to enhance branch efficiency and customer experience.

Facilitated communication between branch staff and upper management through regular updates and performance evaluations. Strengthened business through relationship management and conducted structured performance reviews to identify development areas and reinforce high performance.

Provided hands-on customer assistance while handling cash, check, and card transactions with accuracy. Built foundational expertise in retail banking operations and customer service to support smooth day-to-day service delivery.

Completed a Post Graduate Diploma in Banking & Finance in 2013 at Vidhya Bhavan College of Commerce, Pune.