Financial Analyst in Retail Banking

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Serial No: 9418

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Skills keywords: ms excel, ms outlook, ms word, retail banking management, SPSS, stata

Short Bio:

I have completed Masters in Development Economics from University of Sussex, Brighton, and I would like to apply my academic and professional skills for the growth of your organisation. During my undergraduate studies at Loyola College, Chennai, India; I was an active participant in co-curricular activities and have participated in out-reach programs as well as other programs organized by the Rotaract club in my college. I was elected the class representative during my under-graduation and as the class representative I was part of the organizing committee for the annual National Seminar conducted by the Economics Department in my college. Among other things, I was responsible to supervise sub-committees who were in charge of fund collection, as well as, organize the seminar hall. The program was a success and witnessed nationwide participation.
The dissertation for my master’s program related to migrant remittances and the factors influencing it. The dissertation was highly quantitative involving personal research and use of statistical package; STATA. I have used various tools of the package and conducted statistical tests to check the integrity of my regressions. The master’s program on the other hand has acquainted me with the latest developments in the field of development economics, by way of continuous referral of publications and journals. During my under-gradation I had a module in another statistical package; SPSS. I have an in depth understanding of the subject, thanks to the strong foundation given to me in my under-graduation and post-graduation.
As an intern in the finance department at the Export-Import Bank of India, Mumbai I had the opportunity to learn and gain knowledge regarding the functioning of the bank and its financial resources through the capital market. I was also able to gain valuable insight on decision-making skills, research and analysing, and work culture. This makes me an apt candidate for a position requiring an analytical mind and that demands researching and comprehending skills. Also, I have learned and put to use various economics concepts as well as courses which I have learnt in my under graduation and post graduation. I have good communication skills as well as the necessary inter-personal skills as required for an analyst.
My resume, which indicates the courses I have taken and work experience I have gained, is attached for your kind perusal. Currently I am looking for an opportunity to work on research projects and related job profiles. I have work experience of three years, working for State Bank of Travancore, an Associate bank of State Bank of India, as Assistant Manager, Pettah Branch, Kerala. I have had exposure in retail banking, international banking and corporate finance, which will be aid me in achieving your organisation’s goals. Working at your organisation would offer me a unique opportunity to acquire more technical skills, connect with clients and work independently and as a team player. I believe that if I am given an opportunity I would contribute significantly. I am willing to relocate and look forward to hearing from you.

Current location:  Maharashtra, India - View on map

Preferred Sector of Employment:  accounting and finance

Spoken languages: basic German, Hindi, Malayalam, Tamil

Location I am interested in working: Anywhere

EDUCATION

University of Sussex, Falmer, Brighton, UK

Masters of Arts in Development Economics. October 2006 – May 2008

Loyola college, University of Madras,

Chennai, Tamil Nadu, India

Bachelor of Arts in Economics. April 2003 – June 2006

WORK EXPERIENCE

ASSISTANT MANAGER November 2010 – November 2013

STATE BANK OF TRAVANCORE, INDIA

Responsibilities:

• Retail bank account maintenance and customer service; including clarifying queries and discussing banking products and services with customers.

• Effecting process specific transactions, such as deposits and withdrawals, E-transfers, Demand Drafts.

• Maintain and update financial records and process banking transaction documents, such as deposit slips and checks.

• Supervise the preparation of documents and processing for loan applications.

• Manage overall administration of the branch.

• Process SWIFT and international trade transactions.

• Maintenance of Corporate Accounts

• Management and recovery of Non Performing Assets.

Research Assistant

University of Sussex, Falmer, Brighton, UK

Responsibilities:

Published Dissertation: “THE DETERMINANTS OF MIGRANT REMITTANCES,

During this Dissertation,

• Researched and analyzed the factors influencing a migrant’s decision to remit, using the World Bank Living Standards Measurement Study (LSMS) data sets on two states in India, Bihar and Uttar Pradesh.

• According to the literature there are two main motives for remittances, one being Altruism and the other being Transfer.

• It was found that ‘Altruistic’ motives dominated over ‘Transfer’ motives; in general.

Intern (Finance Department) December 2005 – January 2006

Export-Import Bank of India, Mumbai, India

Responsibilities:

• Researched and studied past performance of capital market shares of various companies.

• Analysing portfolios and to summarize them for the Bank’s investment decisions.

• Identified Key parameters of Corporate and collate them from various Financial sources

• Analysed various parameters pertaining to Balance sheet, earnings per share, Dividends etc, and summarise and suggest a portfolio of stocks which the bank can invest

COURSEWORK:

Undergraduate: Micro Economics, Macro Economics, Quantitative Tools for Economics, Mathematics for Economists, Econometrics, Portfolio Management and Financial Management.

Postgraduate: Micro Economics (Economics Analysis I), Macro Economics (Economic Analysis II), Development Economics I and II, Quantitative Methods I and II.

TECHNICAL SKILL SET

• Statistical Software for Professionals (STATA)

• Statistical Package for Social Sciences (SPSS)

• MS WORD, MS EXCEL and MS POWERPOINT

• Bancslink – Retail Banking Software

• Operating Systems: WINDOWS and MAC

ACHIEVEMENTS

• Recipient of the Presidents Award as a member of the Bharat Scouts and Guides.

• Elected as Class Representative for the year 2005-2006.

• Member Organising Committee (2005-06), National Symposium, Dept of Economics, Loyola College, Chennai

• Attended Parliamentary Standing Committee proceedings on Ministry of micro, small and medium enterprises, Government of India.

• Selected to be part of a team, by Staff Training Centre, State Bank of Travancore, Ernakulam, to provide pre-examination training/coaching for Banking Services Examination, for the benefit of weaker sections of the society.