Aishwarya Khare

Experience

• 

  UCO Bank

  May 2014 - Jul 2023

  • Handling SME Banking Business and Retail Banking business. Handled a book size ranging from 250 crores.• Achieving substantial business growth through SME Banking, Mortgage Banking.• Credit Underwriting, Credit analysis case to case basis, evaluating credit worthiness on multiple parameters.• Monitoring Early signals and taking prompt corrective action for rectifying the same in order to minimise customer delinquency. Monitoring and updating the same under EWS and OCAS portal.• Timely review and Renew of loans and Advances. Understanding financial analysis of SME and mid-corporates through Credit Monitoring Arrangement (CMA). Also computing Risk Adjusted Rate of Return (RAROC).• Non fund based facilities to SME business including LC/BG• Contributing towards bank’s CSR by heading the project of donating water dispensers to Local Police Chowki at Greater Noida- as a tribute to their relentless service for the country and to Hamdard Education Society at Talimabad, New Delhi Show less • Handled NPA Portfolio of Rs 500 Crores including MSME and Retail Mortgage Based NPA accounts.• Recording, monitoring and analysing the repayment behaviour of the borrower and formulating the approach to tackle the borrower (case to case basis) in order to recover the amount.• Experienced with SARFAESI matter and Coordination with District Administration and Local Authorities for speedy recovery of Overdue amount or possession of immovable property at a faster pace. Initiation of Legal proceedings in case of default.• Preparing and analysing various NPA reports for reporting to the Zonal Office and Head Office as the case may be. Preparing NPA1R, RBI 123 quarterly.• Closely monitoring Special Mentioned Account and taking prompt corrective action to rectify the same. Show less • Handled the business of Letter of Credit/ Bank Guarantee and Letter of credit bill discounting where individual bill size ranged from 20-250 Crores.• Member of Corporate credit committee and ensuring post sanction compliance of Terms and Conditions of sanctions, Issuance of NOC’s/ Pari Passu letters.• Monitoring of drawings/ End use of funds, following up for adjustment of irregularities, attending consortium meetings.• Worked as Team member in managing Large Corporate Portfolio of Rs3500.00 Crores Show less ASST PRODUCT MANAGER- MANAGEMENT TRAINEE- UCO BANK 2014-2016 • Analysing the requirement of retail loan and MSME loan products for system software like LPS, LAPS• Experience Requirement analysis, Earned Value Analysis and Brainstorming sessions and change management system for various improvemnets in products.• Analysing the various API’s improvement required for enhancing product as per changing requirements.• Worked with product management team, with focus of analysing product scope management plan.• Preparing and analysing requirement document.• Product life-cycle management and managing loan origination.• Assisted team to comply KYC, Anti Money Laundering and other banking laws.• Identified the gaps in existing banking policies and procedures and assisted team to improvise them.• Updating and Monitoring the same in ETHICS portal. Show less

  • Credit Analyst Manager

    Jul 2020 - Jul 2023

  • Stressed Asset Manager

    Sept 2018 - Jul 2020

  • Member- Flasgship Corporate Center

    Jun 2016 - Sept 2018

  • Management Trainee

    May 2014 - Jun 2016
• 

  Tata Consultancy Services

  Jul 2023 - now

  Business Analyst- Corporate Loan Origination System

  Analysing BRD, breaking down problem to the tiniest level and covering the gap between 'as is' to 'to be' case and thereby providing solution to the requirement. preparing FSD by visualising and story telling skills