Ritika Bharti Email & Phone Number

Houston, TX, US

Houston, TX, US

Houston, Texas, United States

India

• Led the quality assessment of over 200 credit facilities, resulting in a 15% increase in approved loans while maintaining a low NPA ratio of 1.5%, contributing to a 10% growth in the bank's loan portfolio and ensuring.
• Implemented a rigorous credit assessment process incorporating detailed financial risk and creditworthiness evaluations, resulting in a 15% reduction in NPAs within the first year, strengthening the bank's credit.
• Improved credit approval consistency by 20% and reduced decision turnaround time by 15% by adhering to credit protocols, evaluating risks and providing data-driven justifications, leading to 10% decrease in credit risk.
• Applied advanced fraud detection techniques and conducted over 50 investigations, resulting in recovery of $100,000 and a 20% reduction in fraud incidents
• Independently led the review and analysis of complex cases, ensuring adherence to procedural norms and providing actionable recommendations, resulting in a 30% reduction in fraud incidents over 12 months with minimal.
• Analyzed and streamlined reporting and procedural workflows, leading to a 20% reduction in audit time, which improved overall efficiency and enabled timely credit assessmentsBranch Manager

Noida, Uttar Pradesh, India

• Increased personal sales by $100,000 within six months by implementing customer referral program and enhancing staff sales training, resulting a 20% overall growth in branch revenue
• Led a team in competitive financial environment, strategically increasing sales of mortgages, personal loans, auto leans and ancillary products by 25% through targeted coaching and enhanced collaboration, resulting in.
• Processed and prepared 20-30 applications per week, checking for accuracy and looking for additional sales opportunities before expediting applications to the underwriting department.
• Consistently expedited the application process by 15%, reducing errors by 10% and contributing to a 5% increase in sales conversions through the identification of additional sales opportunities
• Played a pivotal role in successful implementation of the Demonetization policy, adhering to RBI regulatory guidelines, resulting in seamless operations and increased customer trust
• Strategically increased revenue growth by 20% through customer acquisition and cross-selling financial products, including mortgages and personal loans

Haldwani, Uttarakhand, India

• Managed retail banking operations, including NEFT and RTGS transactions and provided exceptional service to HNI clients, contributing to branch’s success as a designated retail loan point
• Improved operational workflows, resulting in a 20% reduction in audit time and enabling timely credit assessment, increased client satisfaction
• Provided customer service for HNI in non-fund-based operations such as Bank Guarantees (BG) and Import and Export related operations.
• Performed all forex transactions, worked for loan point as this was the designated branch for retail loans.
• Played key role in driving branch profitability through enhanced operational efficiency and exceptional customer experience, facilitating the set-up of a new branch and achieving profitability within a year

Master Of Science - Ms, Business Analytics

Master Of Arts - Ma, Mathematics

Bachelor Of Science - Bs