Driving a team of 120 members in managing credit assessment, risk control, and compliance. Leverage broad competencies in providing the highest level of credit Discretion in the Retail Area including all types ofindividual credit assessment applications for the personal loans in Regional and Rural segments. Undertake full accountability of the complete loan reviews for decisions. Utilize a strong background in providing timely,accurate, and consistent credit decisions. Driving the team & monitoring all credit submissions outside the credit assessors in making the commercial decision. Providing strategic leadership and mentoring credit assessors to improve the quality of credit decisions, identifying gaps inthe credit assessments and decision process. Working closely with the frontline bankers and Credit Managers before credit submission to reduce rework for efficiency gainsand to improve the quality of credit submissions by the frontline. Accountable for gathering details for credit appraisal to improve the credit quality to reduce loans going bad in the first place. Guiding and training the new joiners in complex Credit Appraisal and staff members regarding the assessment of creditapplications across Personal Lending. Providing reviews for judgmental credit across operations, feedback & results based on tests conducted. Leading, training & monitoring the performance of team members to ensure targets are met with regards to productivity,accuracy turnaround time. Abreast with the latest process updates/changes and train the team members regarding these updates. Regularly reviewing the process effectiveness, implementing improved processes, and keeping process documentation up todate thereby improving process efficiency. Forecasting, planning, variances analysis completed on a weekly, monthly, and quarterly basis for capacity management.

SUMMARY OF EXPERIENCE• Possess 10 years of work experience in Commercial Sales Organization.• Areas of expertise include Transitions, Team Management, Management of Operations and analysis, Continuous process improvement.• Have received extensive training in Leadership Essentials, effective team management, coaching skills. • Currently responsible for the performance of 19 employees, which includes Process Associates, Senior Process Associates and Process leadsCore Competencies• People Management• Operations• Transitions• Projects

ASR (2009-2011) Account Support Representative:• Transitioned New ASR Model to India. • Process involved handling high revenue generating customers to the Business.• Complete responsible for process of the accounts. • Regular calls with customer and sales to maintain the accounts without any escalations. • Volume / Escalation Management.• Volume projection. • Working on E-Penetration and suggesting to movie the customers online. • Accounts Performance review with Process Head/Director on Quarterly Basis. • Maintained 100% Quality & SLA. Sr. Process Associate (2007-2009):• Acted as back up for the team lead.• Worked on different process with in the Org. • Mentoring the team members and assisting them on process related issues.• Sharing the best practices with the team for process improvement.• Assisting the team in getting down the held issues and acting as an intermediate to reduce kickbacks to sales.• To address the process issues and encouraging team work.• Initiating process improvements.• Conducting Huddles in the Team on process updates/Issues. • Weekly presentations in team meetings on issues and Errors made by team members.• Ensure the preparation and maintenance of process documentation.