Deputy Manager (Credit Support Officer) | State Bank of India | Patiala
- Managed a diverse SME loan portfolio of 40 accounts worth ₹172 Crore, contributing to a 30% YoY increase by delivering tailored fund-based and non-fund-based financial solutions.
- Spearheaded credit underwriting and appraisal processes, conducting thorough risk assessments to ensure high credit quality.
- Oversaw the complete lifecycle of loans, including disbursement, credit monitoring, and due diligence, minimizing defaults and improving loan performance resulting in improved compliance score of the branch by 12%.
- Implemented risk mitigation strategies during COVID-19, maintaining portfolio health through regular monitoring and swift remedial action. Offered timely restructuring to eligible accounts, resulting in a portfolio with zero NPAs.
- Collaborated with various stakeholders, including clients, statutory bodies, and internal teams, to build strong relationships and ensure smooth business operations, effectively navigating hierarchical bottlenecks in the process.
- Trained and mentored junior employees in credit risk analysis and commercial lending to prepare them for future roles.
Probationary Officer | State Bank of India | Patiala, Punjab
- As Assistant Manager, led a team of 5 associates to maintain uninterrupted banking operations and deliver exceptional customer service in a rural branch during COVID lockdowns, ensuring full compliance with government guidelines.
- Educated rural customers on the benefits of digital banking, significantly increasing digital banking penetration by onboarding them to SBI's YONO app and achieving regional leadership for 3 consecutive months.
- Spearheaded branch-level digital transformation by implementing digital process workflows for customer onboarding and loan processing, streamlining loan disbursements and reducing turnaround time (TAT).
- Managed currency operations with cash reserves of ₹100 Crore, adhering to internal controls and minimizing operational risks.
- Conducted financial literacy sessions for rural customers, improving credit discipline and awareness of financial planning, which led to a higher repayment rate of agri-loans and the extension of interest rate subvention benefits to farmers.
Analyst | Ernst & Young LLP | Gurugram, Haryana
- Conducted risk assessments using data analysis and provided process improvement recommendations for leading FMCG clients, identifying internal controls and compliance gaps.
- Played a key role in auditing risk management and internal control systems for World Bank-funded projects, recommending comprehensive overhauls to improve operational efficiency and maintain quality standards.
- Collaborated with client process owners to analyze workflows, identify inefficiencies and risks, and provide actionable recommendations to senior management for process optimization and enhanced risk mitigation.