HDFC Bank Limited Careers 2011 www.hdfcbank.com : Sales, CVM, Relationship, Retail Credit Manager

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  1. Post Count Number #1
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    HDFC Bank Limited Careers 2011 www.hdfcbank.com : Sales, CVM, Relationship, Retail Credit Manager

    Name of the organisation : HDFC Bank Ltd ( hdfcbank.com )
    Name of the post : Careers for Sales, CVM, Relationship, Retail Credit Manager in 2011

    Position : Sales Manager - Auto Loans
    Responsibilities :
    * Responsible for sourcing Auto loans through Events/Helpdesk with various corporate houses or Bank Branches or through Open Market channel.
    * Achieve targeted disbursements, weighted IRR & cost of acquisition.
    * Empanel new channel partners to grow business.
    * Source Used Cars cases from organised players in the market.
    * Achieve The Insurance Cross Sell targets
    * Managing a team of 4-5 dedicated BDR.
    Requirements :
    * Candidate must be any Graduate.
    * Should have experience of at least 2 years in the Auto Finance sector.
    * Preferably he/she should be from a Commerce background/able to discuss financial/audit report of company's/understand subsidiary/parents company etc.
    * Full-Time positions available.

    Position : CVM Manager
    Responsibilities :
    * Responsible for handling a team of 15/20 Telecallers
    * Will be responsible for building relationship with the customer through the callers
    * Will be responsible for driving call coverage and productivity .
    * Will also be responsible for driving cross sell and service delivery through the team.
    * Will be responsible for training/ hiring / retention of his team.
    Requirements :
    * Candidate must possess at least a Bachelor of Art, Bachelor of Commerce, Bachelor of Science , Bachelor of Business Administration, Bachelor of Computer Application , Master of Art , Master of Commerce , Master of Science or Master in Business Admin/Post Graduate Diploma in Business Administration/Post Graduate Program in Management in Finance/Accountancy/Banking, Marketing or equivalent.
    * Required skill(s): Telecalling experience.
    * At least 2 year(s) of working experience in the related field is required for this position.
    * Preferably Junior Executives specializing in Sales - Telesales/Telemarketing or equivalent. Job role in Supervisor/Team Lead or equivalent.
    * 1 Full-Time positions available.

    Position : Relationship Manager - Transportation function
    Responsibilities :
    * To source Commercial vehicle business through the network of Dealers/Bank Branches and Open market
    * To Achieve Commercial Vehicle Finance - Sales targets month on-month basis as per the business plan.
    * To Build new channels of FOS and DSA's and consolidate the existing team & DSAs.
    * Cross Sell Current Account, General Insurance & Life Insurance, DRUL, etc. as additional revenue streams.
    * To build and focus on Dealer/ Manufacturer relations to optimise the business potential.
    * To develop good Internal communication with Credit and Ops & to ensure smooth transactions.
    Requirements :
    * Candidate must possess at least a Full Time Bachelor or Masters Degree.
    * At least 1 year(s) of working experience in the related field is required for this position.
    * Candidates having exposure in Commercial vehicle/ Construction equipment finance will be preferred.
    * Retail asset-Sales can also be considered.
    * Candidate should have exposure in Channel management and Team handling.

    Position : Credit Manager - Retail Credit LAP
    Responsibilities :
    * Credit Administration - File decisioning within the defined TAT as per the policy
    * Vendor Management . Training to vendors/ Vendor Billing / Ensuring Vendor quality in terms of process and policy adherence
    * Compliance :- Responsible for Audit and Regulatory compliance for the Location
    * Portfolio Quality Management :- To ensure lower delinquency ratio while maintaining Business Flexibility.
    * To interact Closely with other functions such as sales / Operations/ Collections / Policy/ etc in ensuring smooth day to day functioning at Location .
    Requirements :
    * Candidate must possess at least a Chartered Accountancy in Finance/Accountancy/Banking or equivalent.
    * At least 1 year(s) of working experience in the related field is required for this position.
    * Preferably Managers specializing in Banking/Financial Services or equivalent. Job role in Credit Management or Loan/Mortgage.
    * 1 Full-Time positions available.

    More Details : http://www.hdfcbank.com/aboutus/careers/career.htm

    ***************
    General Instructions :
    This is information on HDFC Bank Ltd Recruitment 2011 / Vacancies / Careers / to be filled, for the post of Sales, CVM, Relationship, Retail Credit Manager.
    If you are looking for jobs / career in HDFC Bank Ltd, you have to apply by downloading the application form given in the link above.
    Full details of recruitment in HDFC Bank Ltd can be had from the detailed advertisement link as given above.
    You can also visit the careers page of HDFC Bank Ltd to know more about the selection procedure, latest results, other jobs vacancy requirements etc.
    Please ensure that you apply before the last date as all government recruitment procedures adhere a strict policy on this.
    ***************
    Attached Images Attached Images
    Last edited by mariammal; January 7th, 2012 at 05:08 PM.

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    Name : chetan faldu
    Email : chetanpatel3126 AT rediffmail.com
    Designation / Skillset : Supply chain management

    Resume :

    To enhance my professional skills in a dynamic and stable workplace.
    Gender : Male
    Date of Birth : 13th September, 1986
    Marital Status : Single
    Languages Known : Gujarati, Hindi, and English
    DEGREE BOARD/UNIVERSITY PASSING YEAR RESULT/CLASS
    MBA (FIN) Sikkim Manipal University - Pursuing (Last Sem)
    B.COM Saurashtra University March-2009 Distinctiom
    HSC GSHSEB March - 2004 Distinction
    - Company Name : FALCON PUMPS PVT LTD – RAJKOT
    - Project Title : ‘ WORKING CAPITAL MANAGEMENT ’
    - MS OFFICE applications like Word, Excel & PowerPoint.
    - Operating Systems like; Windows 98, Windows XP and windows7.
    - Internet access for extracting information as well as communication purposes.
    - Positive Thinking and Hard Working
    - Organized and well structured at work.
    - Disciplined, Honest, Sincere
    - Visit historical places.
    - Develop & maintain relationships.
    - Travelling
    - “Vadodara Marathon” 2010
    - “Environment day (Walk Back Rally)”
    - “Vadodara Carnival” 2010
    Now I am working as a Relationship Manager in AIMCEL, they have a Franchisee of KOTAK SECURITY at VADODARA.
    Chetan faldu

    -------------------------------------------------------
    More Information about this submission and submitter :-
    ___________________________________________________
    Submission ID : 4289095
    Date & Time : 23rd Jun 2011 4:41 AM (UTC)
    IP Address : 123.201.93.84
    Browser Info : Mozilla/4.0 (compatible; MSIE 8.0; Windows NT 5.1; Trident/4.0; .NET CLR 2.0.50727)
    Predicted Country []: India

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    E-mail :
    s_gurtata AT rediff.com
    Sonica Gurtata
    Experience
    Presently working with INDIAFIRST L.I.C have been associated with Bank Of Baroda branches Kanpur.
    - Business Generated till dt for IndiaFirst should result in a Prem.Income of more then 15 Crs in next 15 years
    - Banc assurance,
    - Initial Underwriting,
    - Post & Pre issuance practices.
    - Imparting Training to Bank of Baroda Staff in Product and Life Insurance,
    Worked with BHARTI AXA LIFE INSURANCE Co. as Agency Manager
    from Nov’08 till Nov’09.
    BUSINESS PARTNER in ICICI PRUDENTIAL LIFE INSURANCE Co.
    - Field strength of more than 45 advisors.
    - Have procured more than 4Cr of Insurable Interest for ICICI pru.
    - Have produced M.D.R.T in 2007
    - Have sourced First Yr Premium of more than 1Cr.
    - Have generated Premium Income 5 Cr
    Work Profile in Insurance - Leading a team of FINANCIAL CONSULTANTS.
    - Generating Insurance Business.
    - Collection &follow-up of issued policies.
    Other Experience
    - Worked as Sr.Counsellor in ICA InfoTech Pvt Ltd.
    - Worked as Sr Tele-Counsellor in Frankfinn Aviation Pvt Ltd.

    Work Profile
    - Monitoring & Planning of Direct Promotional Activities.
    - Training, Recruiting tele-executives
    - Maintaining RDBMS (Relational Database Management System).
    - Tele-calling
    - Supervision of tele -callers.
    - Regular & direct reporting to G.M.
    Professional Achievement - Chosen to be Kanpur Frankfinn Representative on all India Level.
    - Acting as an Actve C.H in absence of C.H for 4 months.
    - Praised by GM Marketing for acquiring Annual target of Frankfinn Kanpur Center in first quarter.
    - Having more then 45 Insurance advisor working with me as a team.(ICICI Pru.)
    - Have generated more then 2000 insurance policies.
    Educational Qualification
    - Graduate from University of Kanpur 06-09.
    - Intermediate from U.P Board in year 2006
    - High School from U.P. Board in year 2004
    Professional
    Qualification
    - GNIIT(software engineering) from NIIT.

  4. Post Count Number #4
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    C V

    CURRICULUM VITAE
    PRASENJIT HAZRA
    E-Mail id : prasenjithazra86 AT yahoo.com
    WORK EXPERIENCE
    - Two year work experience as sales executive.
    - Working in reliance Insurance as ASM.
    SUMMER INTERNSHIP PROJECT EXPERIENCE
    - Sales, Distribution & Promotion of ANMOL BISCUITS Limited in Cuttack Market, During 08-08-2011 to 08-09-2011.
    PROFESSIONAL QUALIFICATION
    - Pursuing MBA from IPSAR, Cuttack (2010-2012) Batch recognized by AICTE New Delhi and affiliated to Biju Pattnaik university of Technology (BPUT), Rourkela, Odisha.
    ACADEMIC QUALIFICATION
    - Pass BBA from Balasore Institute of Technical Studies, Under F.M. University In 2009.
    - Higher Secondary in com. from S.E. Railway Boy’s H.S. School, Kharagpur,
    Under W B C H S E, West Bangal in 2006.
    - Madhyamik from S.E. Railway Boy’s H.S. School, Kharagpur, Under W B B S E, West Bengal in 2004.
    TECHNICAL QUALIFICATION
    - Good knowledge in Basic fundamental and.
    - Good knowledge in Financial Accounting.

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    M.Com D.T.L.

    CURRICULUM VITAE
    Name :- DHANASHREE DILIP ADHAV
    Email Id :-dhanashreeadhav123 AT gmail.com
    Educational Qualification :-
    Exam Board / univ. Year Of Pass Percentages Grade
    S.S.C. Maharashtra March 2002 74% I Class
    H.S.C. Maharashtra Feb 2004 72.33% I Class
    F.Y.B.Com Pune March 2005 65.71% I Class
    S.Y. & T.Y. B.Com Pune March 2007 75.66% I Class With Distinction
    M.Com I Pune March 2008 57% Higher second
    M.Com II Pune March 2009 62% I Class
    Additional Qualification :-

    Course Institute Year of Passing Grade
    C.C.F.A. Yashwantrao Chavan Open Univ 2002-2003 A ( 6 Month)
    Tally 9.0 Suyash Computer 2008-2009 A+ ( 2 Month)
    D.T.L. Pune University 2007-2008 64% I Class
    MSCIT 2009-10 A ( 6 Month)
    D.T.L. – Diploma In Taxation Law.
    Experience :- 1)
    Employer SPACE MARK ADVERTISMENT
    Company Profile Advertisment company
    Designation
    Reporting to Onwer – Company
    Duration Jun 2006 to Jan 2007
    Operating System Tally 5.2 , 7.2
    Employer VISHWAS D. PATIL & ASSOCIATES
    Company Profile Chartered Accountant
    Designation Assistant– Accounts

    Duration Feb 2007 to 31 Dec 2009
    Employer K.K.MANKESHWAR & ASSOCIATES
    Company Profile Chartered Accountant
    Designation Sr– Accounts Administrator

    Duration Jan 2010 to till date
    Operating System Tally 9.2

    Work experience :-Handling daily accounting transactions.
    Audit of purchase book, sales book, bank book, cash cook, MIS, ST & TDS Filling etc.

  6. Post Count Number #6
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    RESUME FOR THE POST OF RELATIONSHIP

    CURRICULUM VITAE
    DEEPAK KUMAR
    Email ID : - dk95194 AT gmail.com
    OBJECTIVE
    To Obtain a Challenging and demanding job in interactive design that will further enhance my knowledge and skills.
    ACADEMIC
    QUALIFICATION BOARD Year PERCENTAGE
    10th CBSE 2002 56%
    12th CBSCE 2004 59%
    B. Com Hones V.B.U 2008 62%
    Post Graduate in Mass Communication and Journalism GURU GHASIDAS VISHWAVIDYALAYA 2011 70%
    TECHNICAL
    - Diploma in Computer Application (DCA)
    ACHIEVEMENTS DURING STUDY
    1. Get A+ grade in G.K test and proficiency in English by CIPEL Chennai in 2002
    2. Worked as researcher on migration in Chhattisgarh Area
    3. Done Survey on Naxal effected areas of Chhattisgarh sponsored by CNN IBN Network 18 and the week magazine.
    4. Selected in the audition of Star Anchor Hunt Conducted by Star News Channel in Nagpur Audition
    5. Delivered speech in front of Governor of Chhattisgarh on the occasion of Teachers Day on the topic Role of Colleges And Universities in Building the Nation.
    CORE COMPETENCE
    - Good with Analytical and Problem Solving Techniques.
    - Capable of handling stressful environment.
    - Good Communication Skill

  7. Post Count Number #7
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    vinod zalaki 1.5 exp in finance sector CV

    Hi dear sir /madam
    this vinod g zalaki exp in 1.5 yrs in finance sector so i kindiy for a change the jod and pls find the attachment.
    RESUME
    Vinod .G.Zalaki
    E-Mail ID : vgzalki15 AT gmail.com
    CAREER OBJECTIVES
    To be at responsible position with the professional & progressive organization that provides better opportunities for learning & career development as well as to face competitiveness and there by enhance my career graph
    ACADEMIC DETAILS
    Qualification : Master of Business Administration
    V.T.U.
    Computer
    Proficiency : M.S.Office, Tally 7.2,
    School / College Board / University Year of Passing % age obtained
    P.U.C P U Board, Bangalore 2002 56%
    B.COM Karnataka University, Dharwad 2006 58%
    M.B.A. V.T.U,Belgaum
    2009
    62%
    ACADEMIC PROJECTS UNDERTAKEN DURING M.B.A
    Project # 1
    Title Organisation Study.
    Semester 2
    Organization SHREE SIDDESHWAR CO-OPREATIVE BANK LTD BIJAPUR
    Duration 2 month
    Description . A study to understand the organization as
    a whole & A study of financial performance Based on Ratio Analysis
    Project # 2
    Title Marketing Research
    Semester 4
    Organization BELLAD MOTORS HERO HONDA DIV, HUBLI
    Duration 3 month
    Description The project was carried on to study the Competitor Analysis of hero Honda with its competitors in the Hubil city.
    JOB EXPERIENCE
    Presently working as CRE (customer Relationship Executive) E-nxt Financial services ltd ( A TATA ENTERPRIESES
    Worked as Group leader –HINDUSTAN UNILEVER LTD, Sales during the period of June 19 2006 to July 25 2007 Bijapur.
    Job Responsibilities
    - Building sales force i.e. Recruiting sales executive.
    - Team Handling.
    - Motivating the team for the Business.
    - Achieving the Business targets assigned.
    EXTRA CURRICULAR ACTIVITES
    - Organized Inter Semester Management Meet in A.S.P.College of Commerce, Bijapur.
    MAJOR STRENGTHS
    - Hard work.
    - Good communication skill.
    - Fast grasping power.
    - Confidence.

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    RESUME

    RESUME
    Name : Bhikhabhai Vilasbhai Soni
    Email Address : soni.7231 AT rediffmail.com

    Experience Summary
    Total Experience : 6 Years 1 Month
    Annual Salary : 1 lac 38 Thousands (INR) Rs: 11,500 p.m
    Functional Area : Customer Service
    Current Industry : Khodiyar Motors
    Role : Customer Care Manager
    Previous Industry 1 :Mitali Gas Service (Indian Gas Distributor)
    Role : General Manager
    Previous Industry 2 :Diamond and Gem Development Corporation Limited
    (Surat Special Economic Zone)
    Role : Office Assistant cum Accountant
    Key Skills : Back office work, Management Work, Reporting and all Computer Work.

    Education
    Basic Qualification : 12th Commerce
    Specialization : Graduate Diploma in Business Administration
    Institute Name : National Educational Management
    Year : 2005
    PG Qualification : MBA
    Specialization : Sale’s / CRM (Customer Relationship Management)
    Institute Name : National Education Management
    Year : 2007
    Other Qualification : Computer Course – Tally And IT
    Employment Details
    Current Employer :Khodiyar Motors
    Designation :Customer Care Manager
    Duration :10th April 2011 to till Date
    Previous Employer 1 : Mitali Gas Services (Indian Gas Distributor)
    Designation : General Manager
    Duration : 4 Years 5 Month (Sep 2005 to March 2010)
    Previous Employer 2 : Diamond and Gem Development Corporation Limited.
    (Surat Special Economic Zone)
    Designation : Office Assistant cum Accountant
    Duration : 3rd March 2010 To 6th April 2011
    Current Job Profile - Customer Care Manager - Khodiyar Motors
    - Handel online complains, Enquiry.
    - Convert Dissatisfied customers to satisfied
    - Collect the reports from all branch
    - Weekly & Monthly Analysis
    - Make a presentation
    - Arrange meeting and training
    - Motivation and Innovation activity.
    - Provide workload / Target
    - Create database
    - Branch Visit
    Previous Job Profile 1 - General Manager - Mitali Gas Service
    - Handle new and existing customer
    - Planning of delivery
    - Document verification
    - Maintain the Stock and Inventory
    - Make all reports
    - Maintain of various registers & File.
    - Warehouse activity and monitoring
    - Handle Sale and purchases order
    - Bank Transaction
    - Make monthly VAT statement
    - Letter drafting and mail
    - General Administration Work
    - Accounting And Computer Work
    - Co-ordinate with head office
    Previous Job Profile 2-Office Assistant cum Accountant Diamond & Gem Development Corporation Ltd
    - Data entry
    - Make cash expenses Statement
    - Make weekly and monthly reports
    - Letter drafting and mail
    - Outdoor work
    - Handling Cash
    - Bank Transaction
    - Co-ordinate with head office
    IT Skills
    Data Entry
    Ms Office
    Internet
    Tally

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    job application

    SANDIP DUTTA
    E-MAIL ID : sandip.dutta1984 AT gmail.com
    OBJECTIVE
    Dear Sir / Madam,
    I have been running through the professional arena since 2005 and accomplished the professional expertise in Financial department as an Accountant in various sectors as a hard working & dedicated employee and prove myself as an important part of the organization by the achievement of work as challenging project that will utilize my educational background as well as professional expertise and expand my knowledge.
    PROFESSIONAL INFORMATION
    CURRENTLY WORKING IN –
    SUNDARBAN CHEMICALS & ALLIAD PRODUCTS (DOCTORS PHENYLE)
    DESIGNATION – Accountant
    TENURE - From 2010 to till date.
    KEY RESPOSIBILITIES :
    As an Accountant my job is to –
    1. Update the pass book.
    2. Incoming cheque posting with details.
    3. Bank transfer- NEFT, RTGS, withdrawal details.
    4. Purpose of payment.
    5. BRS- Bank wise & Branch wise.
    6. Software entry on Tally.
    7. Ledger Reconciliation.
    8. Salary details updating in software.
    9. Challan, bill & stock maintain.
    10. Cash, cash book & party handling.
    ANNIRUDHA PACKAGERS PVT.LTD –
    DESIGNATION – Assistant Accountant.
    TENURE - In 2009 for two months.
    KEY RESPONSIBILITIES :
    Stock & cash maintaining, data entry.
    SREE SAI INDUSTRIES :
    DESIGNATION – Assistant Accountant.
    TENURE - From 2005 to 2006 (1yr & 6 months).
    KEY RESPONSIBILITIES : Bill maintaining, data entry 7.2,
    Letter writing & reconcile of ledger.
    EDUCATIONAL QUALIFICATION
    Institutions Board/University Examinations
    Orient Day School Delhi Board ICSE (2000)
    Orient Day School Delhi Board ISC (2002)
    Shyama Prasad College C.U. B.COM (2006)
    P.C.M.T. WBUT MBA (Finance) (2009)
    M.B.A. PROJECT :
    During the course of M.B.A. project done on “Current Ratio, Assets Turnover Ratio
    & Liquidity Ratio” from the organization of Indian Oil Corporation Limited (IOCL)
    Haldia Refinery.
    COMPUTER SKILL[]: Diploma in Financial Accounting (DFAs)

  10. Post Count Number #10
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    Cv of Kaushik Bose

    K A U S H I K B O S E
    E-mail : Kaushikbos AT gmail.com /bose_kaushik AT inmail24.com

    O B J E C T I V E
    As a competent, dynamic, highly motivated individual possessing excellent communications and inter- personal skills, I want to obtain a position in a dynamic and growth oriented company where I can utilize my skills and prove myself worthy of the responsibilities.
    M A N A G E M E N T S K I L L S :
    Proven ability to work with consistent results. Excellent analytical skills and the ability to complete assignments and get results. Dedicated and committed, willing to take on challenging roles, tough assignments and work to tight deadlines.
    P E R S O N A L A T T R I B U T E S :
    Highly organized and efficient, a flexible and versatile team player who will work hard and excel in any environment. Impressive work ethic, reliable, dependable and conscious of duties and responsibilities. A positive approach to all tasks and pride in achievements has resulted in many successes.
    CURRENT WORK STATUS :
    Name Of The Organization : ICICI BANK(through I-Process India Pvt Ltd.)
    Designation : Executive.
    Duration : From 8th Mar 2010 to till date.
    JOB Role : Credit Processing Executive. (Project Trainee)
    CTC : 1.66 L.K
    PROFESSIONAL EXPIREANCE :
    Name Of The Organization : E-nxt Financial Ltd. (A TATA ENTERPRISE)
    Designation : Executive.
    Duration : From 24Septh 2008 to till date.
    JOB Role : Credit Processing Executive. (Project Trainee)
    CTC : 1. 24 L.K
    Job Responsibilities :
    1 Dedupe (Knowing whether Customer is defaulter with any other financier) & FI (Providing Information to Filled Investigation agency about the customer), CIBIL initiating with Initial Checking.
    Preparation of CAM for sales team to pitch it for credit approval & sending rate for pricing approval.
    Documentation Checking before Pre-disbursement with supporting documents & CAM with Credit approval.
    Preparation of Disbursement Memos & Delivery Orders to finally disburse the approved proposals with operations.
    Co-ordinate with Sales guys & customers.
    2 Maintenance and updating database of customer database with Accounts & Operation Team on regular basis. Preparation of MIS & reporting to immediate managers on daily basis working in Excels for validation the customer details (Financial, Track and Banking).
    3 Revert on mail for credit Query.
    4 PDD checking, known the KYC as per disbursement and file logging.
    Name of the Organization : ICICI Bank (Through Team4U).
    Designation : CPA Executive.
    Duration : From 11th Jan 2007 to 30july 2008.
    JOB Role : Credit Processing.
    C T C : 1.02 L.K
    Job Responsibilities :
    Dedupe (Knowing whether Customer is defaulter with any other financier) & FI (Providing Information to Filled Investigation agency about the customer), CIBIL initiating with Initial Checking.
    Preparation of CAM for sales team to pitch it for credit approval & sending rate for pricing approval.
    Documentation Checking before Pre-disbursement with supporting documents & CAM with Credit approval.
    Preparation of Disbursement Memos & Delivery Orders to finally disburse the approved proposals with operations.
    Co-ordinate with Sales guys & customers.
    Maintenance and updating database of customer database with Accounts & Operation Team on regular basis.
    Preparation of MIS & reporting to immediate managers on daily basis.
    Name of the Organization : “ICICI HFC LTD”
    Designation : CASHIER
    Duration : From “Nov” 2003 to Dec 31st 2006.
    JOB Role : Maintain Accountant Daily basis.
    C. T.C : 0.84 L.K
    Job Responsibilities:
    5 Cashier
    6 Receipt Book maintain
    Data Entry
    Manage office documents
    E D U C A T I O N:
    HS 1999-2000 SOUTH CITY COLLEGE 55.4%
    P R O F E S S I O N A L Q U A L I F I C A T I O N:
    COMPLETED 1 YRS ICA(INDUSTRIAL COMPUTER ACCOUNTS) COURSE ON TALLY(7.2),FACT,ACE INCLUDING VAT AT GARIHAT BRANCH.
    S P E C I A L I Z E D S K I L L S:
    7 Known the (MS OFFICE,DOS,Outlook, Internet)
    8 Tally & Fact.
    9 APS (Internal Processing System of ICICI.)
    Extra Curricular Activities:
    10 Participate in many Seminars and cultural programs in college and university.
    HOBBIES:
    11 Singing
    Dancing
    Making new friends
    12 Painting
    13 Developing new business strategies