• Monitor and adhere to risk targets and benchmarks in order to manage portfolios effectively.• Ensure delinquent cases of managed products are rolled back.• Develop leadership skills and motivate the credit management team to achieve performance deliverables.• Provide functional training to team members and give periodic performance feedback.• Manage a team of field executives and telesales representatives.• Ensure strict implementation of assigned processes and 100% compliance with all regulatory guidelines.• Conduct agency/branch visits and document all interactions.• Maintain MIS reports and ensure timely payments deposition by customers.• Verify new vendor/agency/DRA onboarding as per RBI/Bank guidelines to avoid any compliance issues.• Coordinate with central/branch team for any pending activities or process disconnects.• Recruit, train, and develop team members on rolls, off rolls, and outsourced.• Ensure capacity plans are in place and keep the team motivated.• Interact with branch staff and leverage on branch relationships during credit management.

• Work with large datasets, classifying products and services based on internal requirements and legal regulations, and flagging potential risks and detecting fraud through the use of automation & machine learning to ensure that all transactions are legal and safe.• Utilize various programming language such as "Python" to develop tools that automate and streamline the risk management process, reducing the need for human intervention and increasing efficiency.• Ensure compliance with regulatory guidelines by interpreting legal and program team regulations, developing and implementing risk management standard operating procedures (SOPs) as per industry standards.• Validate reports and documents for potential forgery by associate-level employees, and serve as a subject matter expert for mitigating operational risks identified during the review process.• Collaborate with cross-functional teams, including legal, compliance, and program teams, to ensure adherence to regulatory guidelines and best practices.• Conduct regular audits and reviews to ensure compliance with internal and external policies and regulations, providing guidance and training to other team members to enhance their knowledge of risk management practices and procedures.• Stay up-to-date with the latest trends and developments in the field of risk management, incorporating best practices into the organization's processes and procedures.

• Served as a Credit Manager responsible for underwriting, recommending, approving, and detecting fraud for unsecured assets, such as personal loans, credit cards, and unsecured business loans• Conducted thorough analysis of loan applications to assess creditworthiness, repayment capacity, and overall risk profile• Effectively communicated credit decisions to customers and internal stakeholders, while adhering to regulatory guidelines and bank policies• Developed a strong understanding of various underwriting metrics and key performance indicators to ensure timely and accurate processing of loan applications• Collaborated with cross-functional teams, including sales, operations, and collections, to ensure smooth and efficient loan processing and servicing• Worked as an OPS Manager in a pilot project at ICICI Bank, overseeing post-approval processes for loan disbursal• Managed a team of five members, providing guidance and support in rectifying any errors occurring during the credit underwriting process• Ensured timely and accurate disbursal of loan files by obtaining necessary approvals and documents from relevant departments and customers• Consistently achieved target goals by disbursing the maximum number of files possible in a day, while maintaining a 100% accuracy rate• Demonstrated strong leadership skills, with a focus on team collaboration and achieving common goals.

• Completed PG in Banking and Finance and gained hands-on experience through an internship at ICICI Bank's Chandigarh branch• Observed and documented day-to-day operations of the branch, from opening to closing, to gain a comprehensive understanding of the business processes• Worked as an associate under the Internal Auditor to assist with the concurrent audit process• Developed a solid understanding of Anti-Money Laundering (AML) regulations, customer profiling, and Know Your Customer (KYC) procedures• Acquired knowledge on other daily branch operations, including account opening, cash handling, and customer service• Collaborated with different teams within the branch to ensure smooth and efficient operations• Demonstrated attention to detail and accuracy in documenting and reporting observations• Effectively communicated with superiors and colleagues to ensure timely completion of tasks• Proactively sought opportunities to learn and expand knowledge of the banking industry and its practices.

• Conducting quality reviews of customer interactions with the organization to ensure compliance with the company's quality standards and policies• Identifying and tagging dissatisfied customer survey responses (DSATs) for further analysis and resolution• Maintaining the customer satisfaction (CSAT) process by regularly monitoring feedback and identifying areas of improvement• Resolving quality disputes by collaborating with relevant teams and providing insights and recommendations for improvement• Sending quality communications and reminders to relevant teams to ensure compliance with quality standards and policies• Providing one-on-one feedback and coaching to agents to help them improve their performance and adhere to quality standards• Preparing for and delivering monthly quality team meetings to discuss performance trends, share best practices, and identify areas of improvement.