Senior Manager - Credit & Risk

• Aug 2023 - Present

Senior Manager - Credit Risk | DFB

• Jun 2023 - Aug 2023

Manager - Credit Risk | DFB

• Mar 2022 - Jun 2023

Manager - Credit Policy & Risk Management

• Apr 2021 - Mar 2022

Assistant Manager - Credit Policy & Risk Management

• Jul 2019 - Apr 2021

• Underwriting of LAS (Loan Against Securities) proposals across all locations of India. • Appraising Financials & Holding Statements of Borrower & Co-borrower/Security Provider and prepraring appraisal proposals as per the Eligibility Methods in policy for New, Enhancement & Renewal Cases.• Performing Due Diligence, loan documentation, collateral and Audit preparations.• Monitoring of Defferal approvals and completion within Due date.• Providing timely amendments in existing Risk Policies.• Monitoring of accounts in shortfall & timely remediation of same. Ensuring critical accounts are highlighted to all concerned stakeholders on time.• Portfolio Analysis of all Client for Maintaining Concentration norms and highlighting if any breach.• Performing Monthly & Quarterly Analysis of Pledged Securities using Capitaline and NAV Software.• Historic and Real Time Data Analysis of Shares, Mutual Funds and Bonds to Management for Better Decision Making.• Auditing, Reporting & follow up with collection & business team on delinquent accounts.• Designing, Developing & Deploying complex reporting solution to support business intelligence initiatives.• Responsible for preparing BRD, Liasing with Technology team in new developments, Creating Scenarios in UAT, Testing & Signing off for Deployment in Production.Achievements: • Ensured Error free Underwriting and Effeciently Handling Portfolio Analysis, Successfully tested and Deployed Automated Margin Shortfall Communications and Concentration norms in Miles System. • Was Awarded as Top Performers Q2 FY 2020 – 21. Show less

Assistant Manager - Reporting, Capital Market Group - Aditya Birla Finance Limited

• Dec 2017 - Jul 2019

• Catering to around 250-300 Retail/HNI clients for Mumbai & Pune and is responsible for performing their Portfolio Analysis and Client Reporting function across CMG. • Core Responsibilities are preparing & delivering reports for the clients & business. Reports prepared vary as per Client and business requirements. • Designing, Developing and Deploying complex reporting solution to support business intelligence initiatives. • Managing & Handling whole customer life journey across CMG. • Periodic Risk and Exception reporting to senior management for better decision making. • Co-ordinating with cross-function business groups in driving Customer service enhancement projects. • Being as the first contact person for customers, was responsible for understanding their requirement, gathering required data points and partnering with Technology team in designing and building next-generation data quality controls. • Worked on “Customer Portal – One Stop Solution” and “Chatbot – A Real Time application” projects for providing customers an enhanced service. • Tracking each deliverable as per the deadlines set and ensuring no lapses occur. Achievements: Successful Client delivery management abd implementation of Customer Portal & Chatbot. Show less

Associate Manager - Customer Relations (Service Insights)

• Apr 2017 - Nov 2017

• Engaging with multiple functional owners to bridge service gaps meeting the service expectations of the customer. • Working on MS-Excel for ensuring weekly dashboards to Stakeholders and Management. • Root cause analysis of complaints and identify process gaps. • Process Recovery through reduction in service failures. • Reduction in overall complaints and a clear drop in the escalated requests registered across all touch points. • Identify the critical service pain points that affect customers, map customer journey. • Suggest process improvements and collaboratively work on solutions with stakeholders. • Creating a change conducive environment. • CAPA (Corrective Actions Preventive Actions) Planner from functional owners. Achievements: Effectively handling service insights projects & presentation of Process Recovery dashboards to HDFC LIFE Management. Show less

Operations Executive - Capital Market Group - Aditya Birla Finance Limited

• Jan 2016 - Apr 2017

• Analyzing & identifying gaps in Capital Market operations processes. • Requirement gathering & Co-ordination with MILES team for enhancement in processes. • Managing follow ups with MILES & UAT testing for developed cases from MILES. • Monitoring TAT file on daily basis for business excellence & quality assurance. • Handling operations of Loan Against Shares, LAS Process& IPO Activities Achievements: Effectively mapped Project Management for current process development. Six Sigma Project: Increase in FTR (First Time Right) in Disbursement Process. Business Case: As per Operation survey – TAT was major concerned area, which is mainly due to high number of FTNR request receives for disbursements. This results in business and revenue loss, impacting profitability which is key factor for achieving Q360. Goal: Overall 15% improvement in FTR by March 2017 which is current 80% that will have positive impact on book size growth, profitability & revenue growth. Achievements: Effectively mapped Project Management for current process development Show less

Management Intern

• May 2015 - Jun 2015

The Organisation had given a project to Study about SUPHALA Plant Operations. Summer Project Title :- Operations Management of Complex Fertilizer Plant SUPHALA (15:15:15). Step 1 :- Research report on :- - Overview of RCF Ltd - About RCF - Different Products & Services Step 2 :- Introduction to Operations Management. Step 3 :- Manufacturing Process of SUPHALA. Step 4 :- Storage and Packing. Step 5 :- Integrated Management System. Step 6 :- Logistics Goal :- A Detailed & Systematic report on Flow of Suphala Fertilizer Production in RCF Ltd Trombay. Show less

Student-Computer Applications

• Mar 2013 - Feb 2014

• Was responsible for solving Application & Desktop based issues through VNC or Remote Desktop. • Used to support on Mails, Tickets & give resolutions using Request Management System (RMS). • Has contributed in Windows Operating System migration from Windows XP to Windows 7. • Roles/Responsibilities were Client interaction, Requirement gathering, Deployment, FDE Installation, Data Backup & Maintenance of Software Application. • Providing users data from Database system through SQL Queries as per request. • Was responsible for handling IPad & IPhone issues such as mail configuration, New profile configuration & Data restore. Show less