Priti Dhabarde
Pune
Summary
Dynamic and results-driven experience in corporate and financial institution settings. Proven leader and effective team player with a strong ability to guide multicultural teams in meeting deadlines and delivering projects in a cost-effective manner
Overview
14
14
years of professional experience
1
1
Certification
Work History
Team Lead
Barclays Global Service
11.2022 - Current
- Executing comprehensive audits, risk assessments, and credit risk, ensuring compliance with established policies and regulations.
- Conducted detailed quality reviews and audit checks to uphold high accuracy standards in financial and operational data.
- Coordinated with IT and operational units to implement automation tools, streamlining audit and credit screening processes, reducing manual oversight.
- Monitored key performance indicators (KPIs) for the team, devising strategies to enhance audit quality, risk mitigation, and credit appraisal efficiency.
- Established feedback mechanisms enabling team members to contribute insights and suggest improvements for audit procedures and risk controls.
- Initiated targeted initiatives to improve overall audit quality scores and risk management effectiveness.
- Collaborated with cross-functional teams to develop, update, and standardize process guides and compliance frameworks.
- Partnered with senior management to develop and deliver training programs on audit standards, risk management, and credit policies, ensuring team consistency and knowledge enhancement.
- Evaluated employee skills and knowledge regularly, training, and mentoring individuals with lagging skills.
- Conducted regular reviews of operations and identified areas for improvement.
Credit Officer
STATE BANK OF INDIA
01.2018 - 11.2022
- Work as credit officer where I evaluate and process loan applications for various customer segments (retail, SME, agriculture) ensuring all the necessary documents are in order and meet compliance standard.
- Assess creditworthiness of individuals and business through financial analysis, including balance sheets, income statement and credit reports.
- Conduct risk assessment, determine appropriate loan amounts, terms and conditions and provide recommendations to senior management for loan approval or rejection.
- Ensure adherence to regulatory guidelines (RBI, SEBI etc..) and internal credit policies while managing and reviewing the loan portfolio.
- Provide timely credit reports and updates to management, highlighting risk, defaults and areas of improvement in the credit process.
- Collaborate with sales, legal, and operations teams to ensure smooth loan disbursement and closure.
- Support the recovery process for overdue or non-performing loans(NPA),working closely with collections teams to minimise risk exposure.
- Offer advice on credit-related matters to clients ensuring clarity on loan terms, repayment schedules and interest rates.
Branch Manager
STATE BANK OF INDIA
01.2018 - 01.2020
- Lead a team of 7 staff members including training, performance evaluation and motivation.
- Achieved branch targets related to deposits loans and revenue growth.
- Maintained high standards of customer service, resolving escalated issues efficiently.
- Monitored risk management and ensured adherence to banking regulations.
- Complied with regulatory guidelines and requirements.
Internal Audit and Assets Management
STATE BANK OF INDIA
01.2015 - 01.2018
- Conducted internal audits across branches to evaluate operational efficiency, risk control and regulatory compliance.
- Assessed adherence to RBI guidelines, SBI Internal policies, statutory banking norms.
- Reviewed cash management, identified audit findings, drafted detailed reports and recommended corrective actions with timelines.
- Monitored the bank’s assets ensuring optimal utilization and risk management.
- Conducted asset valuation, appraisal and recovery processes.
- Maintained details records of furniture assets, including purchase date, location and condition.
- Implemented cost effective furniture management strategies, minimizing unnecessary expenses.
- Coordinate with vendors for the timely supply and replacement of office furniture.
- Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
- Identified issues, analyzed information and provided solutions to problems.
Escalation and Card Management
STATE BANK OF INDIA
01.2013 - 01.2015
- Managed end to end chargeback process including investigation, documentation and resolution, ensuring compliance with payment network guidelines (visa, Mastercard etc).
- Reviews chargeback claims, identifying the root cause of disputes and working closely with merchants and customer to resolve issues in a timely manner.
- Coordinate with internal teams (fraud prevention, customer service and operations) to gather evidence, resolve disputes and mitigate chargeback risk.
- Managed the vendor payment process ensuring accurate and timely processing of invoices in accordance with agreed payment terms and company policies.
- Reconciled vendor accounts ensuring accuracy in payments and resolving discrepancies to maintain good vendor relations.
Account Operations
STATE BANK OF INDIA
01.2011 - 01.2013
- Led end to end customer onboarding processes for new clients, ensuring compliance with banking regulations and internal policies while delivering a seamless experience.
- Guided customer through account setup, including assisting with document collection verification and account activation.
- For new customer explaining online banking platform, mobile app, ATM usage and other available services to enhance user experience.
- Resolve customer inquiries and issues during onboarding process ensuring all concerns were addressed in a timely and professional manner, improving customer satisfaction.
Education
Bachelor of Engineering - Electronics
KITS College Of Egg.
Ramtek, Nagpur01.2005
HSSC -
HSGC Nagpur
Nagpur01.2001
SSC -
HSGC Nagpur
Nagpur01.1999
Skills
- Cash flow analysis , Cost control
- Credit analysis & Business intelligence
- Accounts receivable/payable management
- Internal audit administration & Annual review
- Audit facilitation
- Team management
- Regulatory compliance monitoring
- Corporate finance
- Employee training oversight
- Financial risk manager (FRM)
- Vendor management
- Financial reporting oversight
- Account analysis expertise
- Risk management
- Documentation analysis
- Financial statement review
- Process analysis & optimization
- Internal control policies
- Compliance improvement
Certification
- Financial Risk Management, Quintedge, 6 Month Course Completion
- Customer Service & Banking Codes and Standards Certification, IIBF, 2016
- General Insurance Training Program, SBI, 2015
- Excellence Award for Retail Internet Banking Services, SBI, 2012
- SAP ABAP (HR/FI MODULE) Course Completion, 2006-2007
- SAP ABAP Practice, 2007-2009
- JAIIB Certification, IIBF, 2017
Accomplishments
- Actively participated in many gatherings arranged in many villages and departments for different schemes launched by Government in the banking system.
- Arranged different donation programs for the Branch.
Disclaimer
I undersign Priti Dhabarde, hereby declare that the information produced by me in the above format is true & correct., Pune
Timeline
Team Lead
Barclays Global Service
11.2022 - Current
Credit Officer
STATE BANK OF INDIA
01.2018 - 11.2022
Branch Manager
STATE BANK OF INDIA
01.2018 - 01.2020
Internal Audit and Assets Management
STATE BANK OF INDIA
01.2015 - 01.2018
Escalation and Card Management
STATE BANK OF INDIA
01.2013 - 01.2015
Account Operations
STATE BANK OF INDIA
01.2011 - 01.2013
Bachelor of Engineering - Electronics
KITS College Of Egg.
HSSC -
HSGC Nagpur
SSC -
HSGC Nagpur
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