Ritika Bharti Email and Phone Number
Hello 👋 I'm Ritika Bharti. As a dedicated MS in Business Analytics candidate, I bring over 9 years of robust experience in banking and finance. Throughout my career, I’ve gained skills in credit management, risk assessment, and fraud investigation, consistently driving results and minimizing risks. I am passionate about leveraging data to make informed decisions and am excited about opportunities to contribute and grow in dynamic environments. 💼 Relevant Roles: Finance Analyst | Credit Risk Analyst | Risk Analyst | Energy Analyst📧 Reach out to me for any opportunities or collaborations at ritikabharti601981@gmail.com.👩🏫Professional Journey: I am a seasoned professional with over 9 years of experience in the Banking and Finance Sector. My professional journey began at Union Bank of India, where I held diverse roles, including Credit Manager and Branch Manager. These roles sharpen my skills in Credit risk analysis, Mortgage, team leadership and operational efficiency. Under my supervision my teams consistently achieve targets, enhanced customer satisfaction and maintained compliance with regulatory standards. Currently, I am pursuing a Master of Science in Business Analytics at the University of Houston. This advanced degree builds on my solid foundation in Finance and Banking, equipped me with cutting-edge skills in data analysis, risk management and decision making. My expertise in tools like SQL, Tableau, R and JMO Pro allows me leverage data driven insights to solve complex business challenges effectively. 🗺️Outside of work: I enjoy cooking, painting and traveling, especially to Switzerland, Paris and Bhutan.
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Program ManagerFoxconn Industrial Internet UsaHouston, Tx, Us
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Project ManagerFoxconn Industrial InternetHouston, Tx, Us -
Graduate AmbassadorUniversity Of Houston, C.T. Bauer College Of Business Aug 2024 - PresentHouston, Texas, United States -
Credit ManagerUnion Bank Of India Apr 2018 - May 2022India• 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 alignment with the bank's risk appetite & RBI regulatory compliance standards• 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 portfolio.• 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 exposure• 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 oversight.• 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 -
Branch ManagerUnion Bank Of India Apr 2016 - Apr 2018Noida, 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 significant revenue growth• 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
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Assistant ManagerUnion Bank Of India Apr 2013 - May 2016Haldwani, 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
Ritika Bharti Education Details
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Business Analytics
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Mathematics -
Bachelor Of Science - Bs
Frequently Asked Questions about Ritika Bharti
What company does Ritika Bharti work for?
Ritika Bharti works for Foxconn Industrial Internet Usa
What is Ritika Bharti's role at the current company?
Ritika Bharti's current role is Program Manager.
What schools did Ritika Bharti attend?
Ritika Bharti attended University Of Houston, C.t. Bauer College Of Business, Maharaja Agrasen Himalayan Garhwal University, Kumaun University, Nainital.
Not the Ritika Bharti you were looking for?
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Ritika Bharti
Chandigarh1gmail.com -
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Ritika Bharti
Delhi, India1globalwatersolutions.com -
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