Ridhima Tharad Email & Phone Number

Kirkland, Wa, Us

Kirkland, Wa, Us

Portland, Oregon, Us

Renton, Washington, Us

I work with individuals and businesses to support their existing and growing business banking needs by providing solutions from the unique, innovative products offered by First Financial Northwest Bank. I can help you plan, execute and succeed in achieving financial goals. Please feel free to contact me for any banking related questions!

Portland, Oregon, Us

• • Awarded most valuable banker title for the year 2021 and ranked at twelfth position (top 12 MVB) across the bank, for providing excellent and pro-active customer service, cross-selling and successfully achieving targets every month.• Successful in securing and processing over $2MM in Home Equity line of credit [HELOC] in just four months of starting loan processing.• Successful in securing referrals from the business clients and ranked at 2nd position under Umpqua referral program for Paycheck, for the year 2021.• Awarded most valuable banker title successively for months July’20 - Dec’20 and ranked as top performer for the third quarter 2020 in NW region.• Secured first position among 280+ associates at Northwest Region for successfully acquiring and maintaining highest number of clients on the online interactive live Umpqua Go -To portal.

Portland, Oregon, Us

• Assist customers with opening accounts for personal and business banking.• Help customers with transactions including resolving claims of fraudulent activities on customer accounts.• Present to underwriting team applications related to credit cards.• Prepare and present monthly reports on the existing customer database and explore the cross-sell opportunities. • Recognized and received appreciation for being the top performer in terms of doing referrals - for mortgage loans, and home equity line of credit [HELOC].

Mumbai , Maharashtra, In

Growth PathRegional Credit Manager, Personal Loans Apr 2014 to Nov 2015Area Credit Manager, Personal Loans Apr 2010 to Mar 2014Debt Manager, Debt Service Management Group Aug 2009 to Mar 2010Risk Manager, Corporate Linked Business, SME Policy Risk Group Jul 2007 to Jul 2009Key Result Areas:• Led a team of 4 credit managers and 15 credit processing associates at the Karnataka region level.• Successful in partnering with the business and product teams in building loan assets which rose from monthly disbursement value of USD 15K to USD 10 Million in a span of 5 years.• Managed and serviced high value customers with applications of USD 10K+ loan within 24 hours.• Liaised with credit card team and designed a system to identify delinquent customers that led the team to save USD ~25K per year.• Successfully managed the program to onboard third party partners, referred to as direct selling agents for the Karnataka region contributing to almost 80% of the business through indirect sales channel.• Innovated and designed the login checklist for ‘Feet on Street’ selling agents, in line with operational requirements by the business team. The checklist helped in reducing rejection ratio by more than 50% and helped in better customer experience.• As a part of operations and manpower expansion from a team of 3 to 50, designed and developed employee processes and performance metrics for the team to measure the quality, quantity, efficiency, and productivity for operational efficiency and cost reduction (net credit loss).• Conducted regular training programs for agency managers and executives and was nominated as 100% compliant consecutively every month during the FY 2009 to FY 2010.

Managed incoming calls & customer service inquiries.Identified & assessed customer’s needs to achieve 100% customer satisfaction & customer delight.

Master Of Business Administration - Mba, Finance

Bachelor Of Engineering - Be, Computer Science

Higher Secondary School Certificate, Physics, Chemistry, Mathematics And Biology

Secondary School Certificate Examination