Hi, I’m
CHANDIKA JOSHI
Kathmandu,Nepal
Summary
Highly experienced banking professional with over two decades of expertise in card services, credit appraisal, and marketing within the financial sector. Demonstrated proficiency in overseeing VISA card operations, customer service, and compliance with banking regulations. Skilled in team leadership, client relationship management, and financial reporting.
Overview
22
years of professional experience
Work History
Century Commercial Bank LimitedKathmandu, Nepal
Marketing Supervisor
02.2020 - 07.2020
Job overview
- Oversee entire operation of the Card Center and ensure that the set targets are met.
- Develop and implement marketing strategies and campaign initiatives to achieve sales targets, focusing on customer acquisition and retention, and ensuring best practices to meet customer needs and requirements.
- Lead and mentor sales and marketing teams, resolve customer needs, recommend appropriate financial products, and prepare sales and marketing reports for top management.
Century Commercial Bank LimitedKathmandu, Nepal
Head of Cards Department
03.2011 - 02.2020
Job overview
- Oversee the entire operation of the Card Center and ATM networks, ensuring smooth functioning and target achievement, including managing daily settlement reports and reconciliation tasks.
- Develop and implement marketing and sales strategies for CCBL’s cards, ensuring compliance with bank and central bank policies, and preparing periodic reports for senior management and regulatory bodies.
- Communicate and coordinate with Nepal Investment Bank Ltd (NIBL) and third-party service providers for timely settlement and fund transfers, and handle any card transaction disputes.
- Maintain customer relationships, resolve issues promptly, and supervise and motivate subordinates, recommending ATM deployment based on feasibility studies.
Nepal Industrial & Commercial BankLalitpur, Nepal
Card Department Supervisor
12.2009 - 03.2011
Job overview
- To See the overall VISA card related work and verify SCT card related settlement and disputes.
- Verify CPD files and process settlement entries for Visa transactions in Nepal and India.
- Coordinate daily settlements with HBL for ONUS and OFFUS card transactions.
- Handle customer disputes for VISA cards and reverse failed card transactions.
- Approve tasks and supervise the department in the absence of the Head Card.
Nepal Development Bank LimitedKathmandu, Nepal
Head of Cards Department
01.1999 - 11.2009
Job overview
- Oversaw the entire operation of the Card Center and ensure that set targets are met.
- Managed and verified settlement entries and reports for National card transactions, ensuring compliance with bank and regulatory guidelines, and handle card transaction disputes.
- Supervised the seamless operations of Card Center and ATM networks, including coordination with external service providers and conducting feasibility studies for ATM expansion.
- Developed and implemented marketing and sales strategies for card products, preparing periodic reports, and supervising and motivating subordinates to ensure overall operational efficiency.
Education
Intermediate in Commerce
School Leaving Certificate
Bachelors in Commerce
Skills
- Front Desk Management
- FOREX Trade Business
- ISO 9001: 2000 Quality Management System
- Credit Information Report
- Customer Service
- Public Relations
- Banking
- Microsoft Office
- Pumori Plus (Banking Software)
- Card Management System
Training
- Front Desk Management Training and FOREX Trade Business Training from KFA
- ISO 9001: 2000 Quality Management System Training organized by Soft- The Computer Institute (P) Ltd
- Training on "Credit Information Report" organized by Credit Information Bureau (Nepal Rastra Bank), Thapathali, Kathmandu in August, 2004
- On the Job training on customer service, public relations and banking with Management Information System
- Training of Fundamentals of the Visa Business Workshop at Hyatt Regency Kathmandu, September 2010 given by Ms. Manjit Kaur, Senior Manager - Training & Development
LANGUAGE
- Nepali
- English
- Newari
- Hindi
Hobbies and Interests
- Swimming
- Listening music
- Reading
Extracurricular Activities
- Charter Member of Lions Club of Ring Road, Balaju.
- Recognition from the school for active involvement in social service.
- Actively participated in various games, social service work and play during school and college life
Timeline
Marketing Supervisor
Century Commercial Bank Limited
02.2020 - 07.2020
Head of Cards Department
Century Commercial Bank Limited
03.2011 - 02.2020
Card Department Supervisor
Nepal Industrial & Commercial Bank
12.2009 - 03.2011
Head of Cards Department
Nepal Development Bank Limited
01.1999 - 11.2009
Intermediate in Commerce
School Leaving Certificate
Bachelors in Commerce
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