Shruti Pathak

Experience

• 

  Patna Medical College

  May 2011 - Jun 2011

  Summer Internship

  study different scanning technologies (MRI, CT, Biopsy etc.)

• 

  The Coca-Cola Company

  May 2012 - Jun 2012

  Internship Trainee

  Quality Assurance for water potability testing

• 

  Bihar State Pollution Control Board

  Nov 2014 - Dec 2014

  Winter Intern

  Conducted a water quality study on Ganga River water

• 

  Karnataka Bank

  Jul 2016 - now

  ● Leading a 2-member team responsible for sanctioning of retail and corporate loans; working with regional officers and field experts to evaluate asset value, conduct financial analysis and determine loan terms● Steered loan disbursals by initiating and managing partnerships with ~10 commercial vendors including car dealerships & multiple real estate development firms● Grew women-owned business to being 30% of quarterly loan applications through information outreach efforts● Led a 4-member sales team to conduct a door-to-door outreach campaign, disbursing 150+ government aided pandemic support loans to street vendors● Achieved the gold loan portfolio target by streamlining the sanctioning process and aiding in Covid relief Show less ● Account manager of 50 corporate accounts overseeing their transactions, credit allocations, salary disbursements, etc.● Developed a rule-based approach to identify prospective customers for cross selling third party products exceeding branch target by 18% and earned appreciation certificate from MD and CEO of the bank● Shortened salary disbursement process by ~65% by automating data collection and enabling bulk processing; trained both internal and external stakeholders in the usage of the new software and processes● Led an initiative to conduct quarterly in-branch trainings on mutual fund investment options and strategies to promote financial literacy for underprivileged women account holders● Onboarded 15 corporate accounts ( ~10M INR/yr) by establishing personal referral schemes through client advocacy Show less ● Led a team of 2 for cash management in the branch, using predictive models to maintain liquidity and cash limits● In response to demonetisation, opened 120 accounts (the highest number in the entire region) for women from underrepresented minorities, using grassroots networking for marketing and regular financial literacy trainings● Achieved onboarding of 450 accounts worth 4.5M INR by working with the sales team to identify customer pain points and selling points to help launch CASA (Credit Savings accounts) campaign● Registered 2000+ new beneficiaries in government-assisted insurance, pension and financing schemes for economically disadvantaged individuals by establishing a cold-calling marketing drive to encourage adoption Show less

  • Credit Officer

    Aug 2018 - now

  • Clearing Officer

    Jan 2017 - Jul 2018

  • Cash Management Officer

    Jul 2016 - Dec 2016