Harvinder Singh Bhatia

• Developed sales strategies that increased personal loan approvals by 30% within one fiscal year. • Managed customer relations, achieving a 95% satisfaction rate through effective communication and support. • Conducted credit analysis, reducing default rates by 15% through meticulous risk assessment. • Optimized MIS and Excel reporting processes, improving data accuracy and reporting speed by 40%. • Ensured banking compliance, successfully passing all audits with zero discrepancies over three consecutive years.