Industry Live Project - Thematic Investment Analysis using AI | Mirae Global Asset Investments
- Extracted and parsed through 10-K SEC annual reports with real-time financial APIs to classify companies on ongoing thematic trends
- Analyzed financial text statements to identify key ratios, such as PEG and XIRR, using predictive analysis and NLP tokenization
- Developed a ranking framework for Top 1000 NASDAQ companies using sentiment analysis for optimized investment strategies
Assistant Manager - Credit Officer | State Bank of India | Kolkata, India
- Provided digital and collateral/non-collateral based lending services to 20K+ retail/MSME clients.
- Handled credit portfolio of ₹2100 Mn, driven mainly by personal segment credit (₹1300 Mn) and MSME credit (₹800 Mn)
- Integrated 20+ bundled financial product packages across 7+ consumer categories to ensure maximum market penetration and generating credit growth of 20% YoY.
- Extended ₹260 Mn to 25 business clients in digital business credit by undertaking comprehensive digital financial underwriting through online Credit Monitoring Arrangement (CMA) and risk assessment. - Bolstered CBDC adoption by 20% during its pilot phase of 5 months by onboarding 1500+ new customers to the SBI CBDC platform.
- Enhanced asset quality by 30% by reducing NPA levels below 2% by monitoring key risk indicators to predict delinquencies and outliers, through effective account management strategies.
- Reduced TAT from 9 to 3 days by enhancing continuous improvement processes in client proposal ratings, approval and sanctions
- Enhanced NPS score by 15 points (out of 100) for the retail credit division during general banking assignment
- Orchestrated 30+ market research surveys and field inspections to understand client pain points and brainstorm potential solutions. - Spearheaded marketing strategies and executed campaigns to accelerate digital business growth, achieving 65% of the YoY business growth budget of FY 2023-24 within the first 6 months.
- Accelerated the Wealth Management portfolio of 30 SME/NRI HNW clients by advising innovative investment strategies
- Mentored 10+ Junior Associates and Probationary Officers on Credit Risk and Operational Risk Management.
Probationary Officer | State Bank of India | Kolkata, India
- Devised 50+ product pitches for fund and non-fund based facilities, generating ₹2.5Mn+ revenue through other income.
- Implemented the digital onboarding of 1500+ consumers and business accounts to YONO platform
- Increased digital preapproved credit disbursal by 70% YoY and expanded new bancassurance products portfolio by 20% by reaching out to early adopters through new marketing channels (SBIPay, YONO Cash).
- Assisted top management with data insights and go-to-market strategy through evaluation of 80K+ customers’ transaction data
- Increased ‘YONO’ user engagement by 4X of target DAU, through effective product positioning and target feature highlights. - Expedited the disbursal of financial products(PMSBY, PMJJBY, PPF, NPS) and social security cover to 7K+ rural and semi-urban customers
- Spearheaded a team of 7 associates for enrolment of 2K+ customers daily to State/Central Government schemes.
- Managed cross-functional teams of 4-10 associates across verticals such as SME/MSME credit, Personal Banking and Forex Banking. - Led sales strategy development to increase the penetration of retail credit (mortgage-backed and auto loans) by 20%, leading to an overall increase in asset size of ₹50 Mn.
Jr. Software Engineer – Orbit Shifter | Cognizant | Chennai, India
- Accelerated the digital transformation processes for a North American Big 4 banking client.
- Collaborated with senior client executives on requirement gathering analysis and product roadmap strategy to design the web MVP and prioritize features based on incremental value to the end-users.
- Expedited the research, design, prototype and validation of 25+ new UI features of a Wealth Management application for HNW end users, through the integration of scalable technologies such as Angular 10 and .Net Core in the software development life-cycle.
- Introduced 20+ innovative modular component designs and executed the automation of 120+ redundant algorithms, leading to a 20%+ decrease in application load time and 10% decrease in memory usage.
- Collaborated with global cross-functional teams in 130+ agile sprints and mentored new joiners on project architecture
- Initiated Proof-of-concept projects such as Assets & Liabilities Tax Calculator, and regression testing to identify outliers and rectify them, enhancing application performance by 10%.
- Collaborated with 5+ QA team members to conduct the User Acceptance Testing (UAT) for critical functionality and integration testing.
- Initiated 20 requirement analysis and gathering to identify 10+ functional user stories with potential revenue impact of $1.6 Mn
- Led a team of 4 trainees and mentored them on client interviews, coding best practices, project architecture and financial services and products of the client.
Project Intern - BFSI | Cognizant | Kolkata, India
- Trained on JAVA full-stack development and AWS integration and responsible for in-house deliverables on payment gateway services for BFSI Business Units across pan-India locations.