Smita Banerjee Email & Phone Number

Work profile @ PFL:Responsible for managing policy and processes for BL, PL, LTP and Cross sell , top-up products.Work profile @ HDBFS:Managing credit policy and process for cross sell PL, EMI cards and Microfinance JLG loans.Active participation in new product launches (w.r.t. policy-risk) designing process flows , automating credit rules.Credit bureau variables analysis, credit risk monitoring, publishing risk dashboards on tableau.ACHIEVEMENT: Key member from Policy team to design assisted platform for cross sell loans.Work profile @ L&T Finance (FCL) as Policy Manager [2015-Aug 2017]:portfolio risk monitoring;drafting policy and policy notes;handling automation projects - two wheelers; farm loans automation;coding policy rules in Business Rule EngineACHIEVEMENT : Key member from policy team in SANGAM TW and FARM mobility project. My job responsibilities as Zonal Credit Manager in FamilyCredit [2013-2014] :managing credit underwriting for East region [states of WB, Orissa, Bihar, Jharkhand, Assam]products handled - two wheelers, auto; three wheelers; loyalty loans;managing team of 8 on-roll credit managers and 11 off-roll associates;quality and performance management of field investigation agenciesMy job profile at Familycredit as Policy Team member [2009-2012]:Total experience at Familycredit Ltd:3.5 yearsrecruited as Credit Officer and promoted as Assistant Credit Manager in 2008. Subsequently promoted as Manager Risk In 2011As a Policy Writer in the Risk team I am handling drafting of product policies, risk performance analysis and preparation of risk reports. (extensively using PowerPoint 2007 and excel 2007)As a Branch Credit Officer I was responsible for underwriting of small ticket size personal loans,management of process team comprising of four off rolls and indirectly managed one on roll employeeVendor management - Evaluation of Field Investigation agencies through on spot visits, joint visits with collection officer and field executives.My job profile at Citifinancial [2006-2007]:Have successfully handled cross sale business for one of the most centrally located branches (Camac street) of CCFIL Achieved targets for debt consolidation of customers and won the second prize in East for highest number of buyouts.Won the Shooting Star Employee Award for exemplary contribution to the CCFIL business in India and overachievement of targets in Nov 2006 Have exposure in handling branch cash and customer service and was the backup cash & customer service officer for the same branch.

Listed skills include Financial Risk, Microsoft Excel, Customer Service, Underwriting, and 9 others.