Pratibha Sahu

Experience

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  HDFC Bank

  Mar 2015 - Nov 2017

  Assistant Manager

  • Underwriting of credit card applications received from PAN India locations.• Data based Risk Analysis to identify payment default risk for customers• Maintaining Delinquency Ratio for the portfolio by providing effective recommendations• Managing the quality assurance aligned with the periodic reviews of Know Your Customer activity for Banks• Active participation in Fraud assessment trainings and compliance trainings to manage quality assurance.• Trained and Mentored Management Trainees to quickly on-board them to the process. Show less

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  Indiabulls Consumer Finance Limited

  Dec 2017 - Apr 2020

  Business Analyst - Credit Segment

  • Evaluation of customers industry and business to identify customer associated risk and identification of Product portfolio for customer segment• Drive Customer Interaction and validation to determine financial eligibility and feasibility of granting loans and opportunity for loan extension• Project Management for technology projects by handling stakeholder communication between business and technology teams.• Generation of risk documentation to hedge risks across the customer value chain and present key insights to leadership for business decision making• Identify Insights from customer application trends and help in designing of new loan segments, delinquency risk assessment etc.• Optimizing credit mix of the organization to ensure profitability of the portfolio• Improve process workflow and identify throughput block to ensure timely completion of leads• Validate Financial Trends and Government Policies to improve product portfolio • Mentor and Guide team members and provide timely resolution to their queries Show less

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  Quantiphi

  Apr 2021 - now

  Senior Business Analyst