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Zeenat Lone

Currently working as Senior Officer with ICICI Bank LTD. (Asset Operations) – DROG(Decentralised Retail Operation Group)

Work experience

Sep 2013Present

Currently working with ICICI Bank LTD. (Asset Operations) –DROG(Decentralised Retail Operation Group) as Senior Officer


Dynamic and resulted oriented professional with 2+ years of comprehensive experience in overall management of Financial products and related function. Presently spearheading in the capacity of Senior Officer (Asset operation).

Expertise in the field of process design,new product development and project management with key interest in Micro/Rural Finance and Retail Loan Finance.Competent in streamlining the existing processes and conduct necessary research .

Involved in developing new systems in order to maximize efficiency and profitability for the bank. Also ensure each transaction is cleared, settled and reconciled according to regulatory and control requirements.

Manage projects such as analysing a system, identifying and specifying developments and improvements and coordinating the testing and implementation of new systems.


May 2013Aug 2013

Post Graduation Diploma In Banking Operations 


Udaipur (Rajasthan)

Aug 2011Aug 2012

Post Graduation Diploma In International Business

Symbosis Distance Learning Education 

Udaipur (Rajasthan)

Jul 2008Jul 2011

Bachelor of Management Studies 

Advent Institute For Managment and  Science Technology ,Udaipur (Rajasthan)

Latest course which completes 80% of MBA

Jan 2001May 2008

Secondary Education 

Central Academy Senior Secondary School 

Udaipur (Rajasthan)


Highly potential and passionate in completing task .More focused on result oriented in long terms .

Passion at work

Ability to work under pressure,highly enthusiastic towards achieving goals

Goal oriented

Collaborating key strengths of team members and put togetherwith strong leadership skills

Leadership skills

Ability to put control as per needs of operational processes and risk control matrix

Risk Management 

Faster adaptability to operational processes in diverse areas of Banking & Finance

Professional Experience

  • Putting control mechanisms at various stages of processing to ensure smooth functioning of

        processes and systems.

  • Maintenance and timely preparation of all MIS/ Reports for controls as well as audit purpose
  • Monitoring of Collection Accounts, managing Operating Agencies (such as: PDCs as well as ONW
    Cheques a/c mapping, maintaining WBM TAT, &Realization with nationalized bankers.
  • Ensuring customer satisfaction both internal & external customers through extending timely
  • Resolving customer queries related with Repayments
  • Managing complete presentation of ONW cheques at spoke location & timely credit / bounce
    received from the respective branch.
  • SOX audit of ROG(Retail operation group) product regularly handled in every quarter.
  • Full flash handling of FCRM(Finacle Customer Relationship Management) and step completion
  • NDC(Non Discrepancy Check) of all Retail loans(Auto ,Commercial vehicle,Personal and SME
    loan ).
  • In my very first year of my job has been appointed as FIRST PERSON RESPONSIBLE FOR BANKING ACROSS RAJASTHAN where i handled banking ,mapping , queries , improve process formalization in various locations , provided training for process .
  • Handled and formulated various projects regarding 100% scoring BSC and compliance oriented which resulted in achieving every month 100% scoring in BSC and Compliance not even only at my location but even at PAN Rajasthan.
  • Currently working for 2 to 3 new project in pipeline focused in centralizing and merging applications for direct flow with motive of friendly process and step cutting projects for easy processing
  •  Know for process oriented and management oriented  asset in shop.

Core Competencies

  • Product & Process Management.
  • Process Efficiency.
  • Quality Assurance.
  • Relationship Management.
  • Research & Data Analysis.
  • Team Leading
  • Project management
  • MIS
  • Innovation oriented
  • Passion at work


  • FPR of Rajasthan for “AUTOBanking : DRO Asset location and implemented it in LIVE Automation

        enables better compliance as well as Enhanced Customer Service”.

  • FPR of Rajasthan for D2RE : DRO ASSET LOCATION merger of two applications customer oriented project deployment of project 
  • Project to streamling a proper process for all locations for banking PAN Rajasthan
  • Prepared a PPT presentation of Banking activities for cross functioning as an initiative to our
    region & appreciated by AOM (Area Operations Manger) & ROM (Regional Operations Manager).

Computer Proficiency

  • Well versed with MS Office.
  • Expertise in handling large databases.
  • Knowledge of Retail Asset Accounting Software Finn one, FCRM,I-View, WORKSITE,TIPS, I-CORE

       ,ECBF, I-Disburse.