1. A1/403 AAKASHNIDHI APARTMENT NEW TIME OF INDIA PRESS LANE, PRAHLADNAGAR AHMEDABAD, GUJRAT, 380015 9099923887
flibbertigibet@gmail.com
ARUN PARMAR
A1/403 AAKASHNIDHI APARTMENT NEW TIME OF INDIA PRESS LANE, PRAHLADNAGAR
AHMEDABAD, GUJRAT, 380015
9099923887
flibbertigibet@gmail.com
WORK
EXPERIENCE
STATE BANK OF INDIA, THANGADH, GUJRAT
MANAGER (BUSINESS AND OPERATIONS), Apr 2015 – present
 Oversee activities directly related to making products or providing services.
 Review financial statements, sales and activity reports, and other performance data to measure
productivity and goal achievement and to determine areas needing cost reduction and program
improvement.
 Manage staff, preparing work schedules and assigning specific duties.
 Manage staff, preparing work schedules and assigning specific duties.
Branch Manager, May 2014 – Apr 2015
 Formulate, direct and coordinate marketing activities and policies to promote products and
services, working with advertising and promotion managers.
 Identify, develop, or evaluate marketing strategy, based on knowledge of establishment
objectives, market characteristics, and cost and markup factors.
 Coordinate or participate in promotional activities or trade shows, working with developers,
advertisers, or production managers, to market products or services.
 oversea the Agricultural credit related portfolio with a geographical spread around 9 village
under service area
 provide Incremental growth in terms of over all Growth in credit portfolio of the Branch with
reduction in Bad assets and good house keeping
Credit Support Officer, Jul 2012 – Apr 2014
 Analyze credit data and financial statements to determine the degree of risk involved in
extending credit or lending money.
 Generate financial ratios, using computer programs, to evaluate customers' financial status.
 Consult with customers to resolve complaints and verify financial and credit transactions.
 Prepare reports that include the degree of risk involved in extending credit or lending money.
 Compare liquidity, profitability, and credit histories of establishments being evaluated with
those of similar establishments in the same industries and geographic locations.
 Review individual or commercial customer files to identify and select delinquent accounts for
collection.
 Confer with credit association and other business representatives to exchange credit
information.
 Complete loan applications, including credit analyses and summaries of loan requests, and
submit to loan committees for approval.
 Analyze financial data such as income growth, quality of management, and market share to
determine expected profitability of loans.
 Evaluate customer records and recommend payment plans based on earnings, savings data,
payment history, and purchase activity.
 Generate financial ratios, using computer programs, to evaluate customers' financial status.
 Consult with customers to resolve complaints and verify financial and credit transactions.
Relationship Manager( personal banking), Dec 2010 – Jun 2012
 Analyze financial information obtained from clients to determine strategies for meeting clients'
financial objectives.
 Answer clients' questions about the purposes and details of financial plans and strategies.
 Establish and maintain relationships with individual or business customers or provide
assistance with problems these customers may encounter.
 Review clients' accounts and plans regularly to determine whether life changes, economic
changes, or financial performance indicate a need for plan reassessment.
 Examine, evaluate, or process loan applications.
 Interview clients to determine their current income, expenses, insurance coverage, tax status,
financial objectives, risk tolerance, or other information needed to develop a financial plan.

2. A1/403 AAKASHNIDHI APARTMENT NEW TIME OF INDIA PRESS LANE, PRAHLADNAGAR AHMEDABAD, GUJRAT, 380015 9099923887
flibbertigibet@gmail.com
 Plan, direct, or coordinate the activities of workers in branches, offices, or departments of
establishments, such as branch banks, brokerage firms, risk and insurance departments, or
credit departments.
 Oversee the flow of cash or financial instruments.
 Network within communities to find and attract new business.
 Approve, reject, or coordinate the approval or rejection of lines of credit or commercial, real
estate, or personal loans.
 Prepare financial or regulatory reports required by laws, regulations, or boards of directors.
 Establish procedures for custody or control of assets, records, loan collateral, or securities to
ensure safekeeping.
 Review collection reports to determine the status of collections and the amounts of outstanding
balances.
 Prepare operational or risk reports for management analysis.
 Establish and maintain relationships with individual or business customers or provide
assistance with problems these customers may encounter.
 Examine, evaluate, or process loan applications.
Probationary Officer, Nov 2008 – Nov 2010
 As a probationary officer, had an extensive training in various departments of the bank both by
way of On the job training and institutional training at bank’s various training centres
EDUCATION D.A.V CENTENARY PUBLIC SCHOOL , JAIPUR, RAJASTHAN
 passed in the year 2002 with 67.40%
MAHARISHI ARVIND INSTITUTE OF TECHNOLOGY, JAIPUR, RAJASTHAN
 Graduated in the Year 2007 a 4 year residential program with 64.94%
NIRMA INSTITUTE OF MANGEMENT STUDIES, AHMEDABAD, GUJRAT
 Passed out in the year 2011, a 1 year, week end classroom program with 75%
ADDITIONAL
SKILLS
 SPSS, JASP,MS Office Professional
CAREER
OBJECTIVE
 Seeking managerial /Analytical level assignments in credit risk analyst/ operations
management with a leading organization, which could explore my experience and provide me
a chance to grace beyond my experience