• Oversee and enhance credit risk management practices within my designated area• Assess borrower creditworthiness through detailed financial analyses and ensure that lending decisions align with our risk appetite• Proactively manage credit portfolios by monitoring performance and implementing strategies to optimize outcomes and minimize losses• Prepare comprehensive reports for senior management that highlight key performance metrics and strategic recommendations• Develop strategies to address potential credit defaults and navigate market challenges, safeguarding the organization’s financial stability and driving growth.Prior experience in Bank of Baroda :• In my role as a Internal Auditor, I was instrumental in fortifying the organization’s internal control mechanisms, risk management strategies, and governance structures within a defined geographical area. I conducted rigorous compliance assessments to ensure strict adherence to relevant laws and internal policies. Through systematic risk evaluations, I identified potential vulnerabilities and assessed their implications for operational integrity. My work involved in-depth financial audits to ascertain accuracy and uncover discrepancies, alongside providing strategic recommendations aimed at optimizing processes and enhancing risk mitigation efforts. Additionally, I delivered comprehensive audit reports to senior management, articulating critical insights and actionable recommendations designed to drive continuous improvement and elevate organizational performance• Showcasing proven excellence in managing a wide variety of functions i.e. advanced portfolio management, report verification, cost management, expense review, verifying current accounts, handling customer grievance portal, and removing fraud accounts• Formulating competent strategies to penetrate new accounts & expand existing ones for a wide range of asset/liability products and services

Maintained healthy customer relationships and handled the customer approvals, TAT, service quality, complaints and resolve the issues Prepared the daily sales reports to the senior management Communicated and liaised with various branches spanning across Gujarat Handled the disbursement of All the products of Home loansSupervised the employees and provided additional training and coaching as needed to ensure everyone is performing their job properlyManaged Level-3 FPR

Steered a team of Billing Cum Collection officer/executives and managerHandled the billing, collection, risk, customer service, retention, and channel supportStrategized for the outstanding amount, suggested and monitored the process ensuring the improved collection flows, and maintained the Cost of Collection and Bad Debt provision.Tracked the maintenance of collection performance of collection agencyGenerated, maintained, and updated the bad Debts and Cost of CollectionImplemented the systems & procedures ensuring the entry-level checks on subscribersManaged the bad debts recovery thru OCA and strong entry-level checksMaintained the monthly Reconciliation of Current collections Banked and cash a/cHandled the reconciliation of DebtorsGenerated the MIS report including the debts pending in name of Customers, Monthly Billing & collection Report, Monthly & weekly Collection forecast to HOHandled the commercial audit of OCA, OCA Claim approval & disbursement.