Bhumika Lukka

Customer Service Officer @Utkarsh Small Finance Bank

Managed customer onboarding, account opening (savings, current), and ensured strict KYC and regulatory compliance. Handled cash transactions including deposits, withdrawals, fund transfers, and ensured daily cash balancing. Provided front-desk customer service, addressing queries and resolving issues related to banking operations. Processed fixed deposits, recurring deposits, and assisted with loan documentation and applications. Promoted digital banking products such as mobile banking, UPI, and internet banking to enhance customer convenience. Cross-sold financial products like insurance, personal loans, and savings schemes to increase revenue. Maintained accurate records, prepared daily cash reports, and updated MIS systems regularly. Coordinated with internal teams for issue resolution and ensured high levels of customer satisfaction. Supported branch audits, compliance checks, and adhered to security protocols in cash handling and service delivery. Built strong customer relationships to drive retention and business growth.