Dhruvik Shah

About Dhruvik Shah

I am a banking professional with hands-on experience in branch operations, retail banking processes, and customer relationship management. Currently working as a Branch Operations Manager, I manage daily banking operations, ensure regulatory compliance, oversee documentation accuracy, and support retail lending activities including home loans.With an MBA in Banking, Finance, I have developed strong knowledge of home loan products, credit appraisal, FOIR, LTV norms, legal and technical verification, and risk management. I regularly coordinate with sales, credit, and legal teams to ensure smooth loan processing while maintaining turnaround time and service quality.My core strengths include operational risk control, document scrutiny, audit readiness, and customer handling. I believe strong operations is the backbone of profitable lending, and I focus on balancing customer satisfaction with bank risk policies.I am now seeking opportunities in the Home Loan / Retail Assets domain where I can apply my operational expertise, credit understanding, and customer-first approach to contribute to sustainable portfolio growth. Open to roles in Home Loan Operations, Credit Processing, or Retail Lending.

Experience

1. Branch Operations Manager

   IDFC FIRST Bank

   May 2023 — Present

Education

• Hemchandracharya North Gujarat University

  B.com, Accounting and Finance

• Manipal Institute of Technology

  Master of Business Administration - MBA, Accounting and Finance