Gayatri Mansukhani

Assessment Manager – Retail Loan Processing Cell
Punjab National Bank| Mumbai | 2025 – Present

• Responsible for eligibility assessment and loan processing of high-volume retail cases (home, auto, personal, and SME).
• Sanctioned ₹150 crore worth of loans within 1.5 months, ensuring compliance with credit policy and RBI guidelines.
• Recognized for speed, accuracy, and quick adaptability, able to master new processes within a week.

Credit Incharge – Large Corporate Branch (Portfolio: ₹1000 crore)
Punjab National Bank| Mumbai | 2022 – 2025

• Managed end-to-end credit operations, loan documentation, KYC compliance, and customer due diligence.
• Oversaw insurance tracking, recovery, SMA, and potential NPA portfolios, improving asset quality.
• Successfully reduced branch NPAs from ₹350 crore to ₹150 crore through proactive monitoring and recovery efforts.
• Coordinated statutory and internal audits, ensuring timely closure, with full compliance.
• Handled large and complex loan portfolios, balancing risk management with business growth.

Deputy Branch Manager (Second-in-Charge).

Punjab National Bank| Mumbai | 2017 – 2022

• Assisted in managing overall branch operations, including account opening, KYC due diligence, ATM operations, and routine banking functions.
• Supported retail loan processing and built a foundation in credit evaluation.
• Ensured compliance with the PMLA Act, RBI guidelines, and internal controls, contributing to smooth branch functioning.
• Developed strong skills in operations, compliance, and customer relationship management.