Dipti Bhamre

Experience

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  HDFC Limited

  Jun 2005 - Aug 2006

  Sr. Officer (Management Trainee) Credit

  Key responsibilities: • Credit Appraisal, accounting queries, disbursements.• Detail documentation check and bureau check.• Initiating third party check for authentication for the customer and his employer check as per company norms.• Proper presentation and recommendations• Coordination with the legal and technical team• Handling DSA and walk-ins• Sales promotion through cross-selling of HDFC Standard Life Insurance & HDFC DepositsKey Achievements:• Successful at credit appraisal with personal discussion with the customer, for processing file and recommending them in the shortest average time• Appreciation from seniors to bring customer and business through walk-in by giving the best service• Handled release of files after loan completion with proper documentation check• Event Management done in school for the organisation Show less

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  HDFC Credila Financial Services Pvt. Ltd.

  Sept 2014 - May 2015

  Grievances officer

  Key Responsibilities:• Handling customer service-queries and complaints• Maintaining compliant MIS for Pan India• Presentations on complaint analysis• Resolving customer queries before they turn into complaintsKey Achievements:• Appreciated by customers for the better service provided• Handled customer complaints in a prompt, service-oriented and efficient manner for pan India for all parameters of loan i.e. ROI, pre-disbursement and post disbursement• Designed the write-ups and templates on customer service and its parameters for the website of the company• Designed the SOP (Standard Operating Process) for the organization, of complaints and queries• Provided for resolutions in complaint MIS for RBI audit since FY 2010 till 2015 Show less

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  Aspire Home Finance Corporation Limited (AHFCL)

  Feb 2016 - Aug 2017

  Sr Executive, Credit

  Key responsibilities:• Credit Risk, Credit control, Credit appraisal• Detail documentation check and bureau check.• Initiating third party check for authentication for the customer and his employer check as per company norms.• Field visits for cash salary and business class• Proper presentation for recommendations• Handling credit queries to get the case sanctioned• Coordination with the legal and technical team.• Handling DST, DSA, and walk-in customersKey Achievements:• Won certificate for AHFCL (Aspire Home Fin Corp Ltd.) credit quiz held online at Pan India, 2016• Won the highest sanctions in a day for cluster 2016.• Won a contest as a branch and individual target achieved in the financial year 2016-17• Received appreciation for giving the highest recommendations in the cluster.• Propaganda for special products designed for ladies “MALA” at lower interest rates and processing fees for the business.• Successfully represented the organization on women’s day for MALA product for business in the respective cluster• Excellent customer service. Show less

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  Aadhar Housing Finance Ltd.

  Dec 2017 - Mar 2018

  Branch Credit Manager

  Handled credit for analysis & recommendations in given TAT for 2 branches. Whereas query handling with the sales manager and team during the recommendation process helped in innovative ideas to push sales with great learning. Field visits and customer interaction did for a better understanding of customer needs, business /work understanding, proper credit verification, evaluations, and recommendations. With added responsibility for lockers of original and legal property documents, the understanding and great learning were done about documentation and its detailing. Hence I have always been part of a team or as an individual to achieve business.Key Achievements:• Received appreciation for the work done in terms of TAT, customer service, smart work, and pipeline working• Achieved 100% target in quarter 4-Jan 2018 to March 2018, for the branch.• Successfully handled Credit Appraisal- Face to face personal discussion with the customer, for processing file and recommending them in the TAT with quick effective services• Detail documentation check and bureau check.• Initiating third party check for authentication for the customer and his employer check as per company norms.• Good recommendations and convincing presentations were done.• Successfully handled credit queries with H.O.to get the case sanctioned• Critical evaluation of documentation post disbursement for zero audit queries• Handled surprise field visits with a proper inspection to find better credibility and authenticity of the customer’s business/work• Professional at handling cases of No Income Proof (NIP) customer class. Show less

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  OSHClub

  Feb 2020 - Feb 2021

  OSHC Assistant

  Shaping young children thinking while they share their experiences outside school hours care(OSHC), with right practices. Facilitating them with the right opportunities for learning, growing, and developing new skills. Delivery of quality care and safety is of utmost importance. Assisting in the operation of a safe, fun, engaging, and quality OSHC service for all children. Developing and fostering relationships with the children and their parents to build up trust and respect as per company norms.Utilizing behavior management techniques in line with company & National Quality Framework(NQF) principles.When Key Achievements are fun too--• Successfully operated administrative work, educational -fun activities, vacation care, child observation, evaluations per term, journals with all detail.• Successfully handled activities and journals being in-charge of Gardening club • Developed strong relationship with team members, my little customers i.e. children and parents, promoting good quality care, safety, respect and trust. A definite service with personal touch.• Utilised behavior management techniques in line with company norms & NQF principles for kids engagement Show less

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  St.George Bank

  Mar 2021 - Jun 2022

  Customer Service Advisor

  People helping people at its best. Providing with best customer service in branch where customers' smile goes like river Nile. Tailored suggestions were given as per company norms keeping customer at the centre of everything. Though high attention to details is a must, impeccable communication skills also rule the red carpet of branch banking services. An urge of always doing simply the best for the best outcome.Key Achievements in brief• Appreciation & reward from seniors• Positive feedback from customers and seniors for great service • Contributed to team priority and business effectively to bridge gap for KPI at its best Show less

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  Bank of Queensland

  Nov 2022 - Jan 2024

  Customer Service Representative

  Being part of this happening contact centre ,in a digital banking profile there was always lot to learn. Inbound calls, outbound calls, liaising between departments, customer enquiries and I enjoyed being first point of contact for Personal banking products as a (certified Tier 2 RG146) of BOQ, Virgin Money and ME Go.Key Achievements in brief:• Handled I/O calls and achieved KPI • Collaborated and contributed to achieve team KPI • Appreciation from manager for living up to company values of “Lionhearted” as identified incorrect product rate details on website & notified to prevent brand damage. • Compliments by manager for volunteered efforts to clear customer queues by working beyond time to resolve customer enquiries resulting in reduced complaints and wait times • Positive feedback from customers for service delivered with resilience, being empathetic & with lot of patience. This resulted in increased customer satisfaction• Proactively responded to inbound calls and customer enquiries with personal touch for digital products of BOQ, Virgin Money and ME which increased customer engagement Show less

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  Colonial First State

  Apr 2024 - now

  Investor Services Specialist

  Being part of this company is super-fun in superannuation. With this portfolio I attended inbound calls to resolve customer enquires to the best.Key Achievements in brief:• Handled calls and scored for targets . Avg QM 91-95%• Appreciation from customer on calls and written/email compliments for best customer service provided.• Won Spotlight award Sep-Dec2024• Collaborated and played as a team member to achieve KPI• Positive feedback from customers for service delivered with resilience, being empathetic & with lot of patience, resulting in increased customer satisfaction• Proactively responded to inbound calls and customer enquiries with personal touch for superannuation related enquiries• Proactively identified opportunities to improve client experience and liasing between departments to help business grow via consolidation, financial advice, market performance to customer guidance team Show less