ICG Ops - Corporate Loans LendingKey Accountabilities• Spearheading a team of 12 specialists to manage corporate loan operations across multiple international markets, ensuring accuracy and compliance in loan processing and disbursement.• Collaborating with cross-functional teams to enhance loan capture management and mitigate operational risks, driving significant improvements in delivery and efficiency.• Leading the development and implementation of advanced loan life cycle techniques, resulting in streamlined workflows and enhanced process effectiveness.• Identifying and closing control gaps, ensuring adherence to stringent risk management standards and regulatory requirements.• Mentoring and developing new team members, fostering a culture of continuous improvement and compliance excellence.

Credit & Risk, Personal Loans, Citibank N.A Key Accountabilities• Overseeing Central Processing Centre for Underwriting Personal loan applications for Pan India and Led a team of 80, driving compliance with credit policies and enhancing process efficiency through automation and workflow optimization.• Directed the credit underwriting process for high-value personal loans, ensuring thorough evaluation and compliance with risk management protocols.• Handling various credit operations including appraising proposals, conducting risk analysis & scrutinizing relevant documents before sanctioning loans.• Successfully implemented Robotic Process Automation (RPA) initiatives, boosting accuracy and operational speed in loan credit initiation.• Conducted detailed risk assessments, addressing key issues identified in Manager Control Assessments (MCA) to promote continuous operational improvement.

Credit & Risk, Mortgage, Citibank N.AKey Accountabilities• Supervising mortgage loan underwriting, ensuring compliance with creditworthiness assessments for both self-employed and salaried clients.• Led a team of 20 executives, enhancing operational efficiency and regulatory compliance through targeted training and support.• Evaluate and analyse business applications and services in accordance with credit policy and determine inherent risk of liabilities.• Played a key role in improving customer service standards and resolving escalations, including representing the bank in legal proceedings.

From October 2011 to January 2013Assistant Manager, Mortgage Collections, Citibank N.A – Kolkata and BhubaneshwarKey Accountabilities• Led mortgage loan collections for the eastern region, assigning portfolios to collection agencies and ensuring timely follow-ups in accordance with the strategy grid. • Monitored agency performance, including capacity planning, productivity, issue resolution, and audit compliance. • Facilitated portfolio management through collaborative calls and site visits to address issues, thereby improving collection strategies and performance. • Assessed collector portfolio coverage and quality, ensuring compliance with RBI certification and internal control standards. • Delivered training programs for agencies, updating them on product policies and new negotiation techniques while ensuring strict adherence to compliance and operational risk controls.

From May 2008 to September 2011Assistant Manager, Personal Loan/TW/CD/Tele-calling CollectionsKey Accountabilities• Oversaw business aspects related to yield file quality and managed the collections portfolio from Bucket 0 to write-off. • Revised collection policies to enhance processes and initiated legal proceedings for debt recovery. • Led a team of 55 executives, setting objectives, evaluating performance, and providing direction to meet recovery targets. • Filed legal cases under sections 138 and 420, coordinating with the company advocate and representing the bank in court proceedings.From October 2007 to May 2008Officer, Project & Quality, (Phoenix Team) New Delhi