Nirav B.

About Nirav B.

Dynamic banking professional with dual expertise in electrical engineering and financial services, currently leveraging analytical and technical skills at Bank of Baroda. Recognized for implementing process improvements and supporting large-scale banking operations, ensuring efficiency and regulatory compliance across teams. Contributing to digital banking initiatives and optimizing client onboarding processes, resulting in measurable growth in customer retention and satisfaction. Passionate about harnessing technology for financial innovation, with a commitment to delivering exceptional client value in complex and fast-paced environments.Adaptable, collaborative, and eager to take on new challenges, I thrive in diverse teams and value continuous learning. Ready to apply deep sector knowledge and strategic thinking to add values.A Banker\'s true growth is not in the number of files cleared but in the knowledge gained, skills sharpened, and networks built along the way.

Experience

1. Probationary Officer

   Bank Of Baroda

   Mar 2025 — Present · IN

   Core Competencies & Hands-on Experience:Retail & Branch Banking: Mastered core banking operations, customer lifecycle management, and transactional integrity. Functioned exclusively in the \'MAKER\' role within the Finacle system, strictly adhering to internal audit and control protocols.Credit Administration & Underwriting: Gained extensive exposure to the entire credit value chain, including risk assessment, proposal processing, and documentation for diverse portfolios:MSME & Rural Credit: Specialized focus on lending to small and medium enterprises and agricultural clients, emphasizing compliance and collateral valuation.Retail & Large Corporate Credit: Practical experience in managing retail lending products and understanding complex structuring for large corporate finance deals.Regulatory Compliance & Risk Management: Dedicated training within the Compliance, Audit/Inspection, and Recovery departments at the Regional Office (RO) and Zonal Office (ZO). Focused on mitigating operational risk, ensuring adherence to RBI guidelines, and managing Non-Performing Assets (NPA).Specialized Financial Operations: Acquired practical knowledge in niche areas, including Foreign Exchange (Forex) transactions and the financing mechanisms for the Centre for Agriculture Marketing & Processing (CAMP).Professional Development: Successfully completed mandated self-learning modules (Baroda Gurukul) and advanced skill-development training (Word, Excel, V-Lookup), with performance contributing to the final onboarding assessment.Seeking a challenging role in Credit Analysis, Compliance, or Wholesale Banking where this regulatory-focused operational expertise can drive immediate value.

Education

• Chandubhai S. Patel Institute of Technology

  Bachelor of Technology

  2013 — 2017

• Alpha Highschool

  Hgher secondary school

  2011 — 2013