Experience

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  Zenova therapeutics pvt.ltd.

  Oct 2014 - Mar 2016

  Regulatory affairs executive

  Complying company products with regulations, making applications & renewing licenses and liaising with the government bodies for documentation related to the marketing of formulation pharmaceutical products in the African market. Training the new joinees with processes.

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  Johnson & johnson (marketing & sales)

  May 2017 - Jun 2017

  Intern

  Interned with the Ethicon division for a project on increasing sales of a product and analyzing the feasibility of removal another product in the key accounts of the corporate hospital market in India.

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  Frubites

  Dec 2017 - Dec 2017

  Marketing intern
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  The happiness factory

  Jan 2018 - Jun 2018

  Marketing intern
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  Aiocd pharmasofttech awacs private limited

  Mar 2018 - Aug 2018

  Consultant -projects ede

  Independently managing the project based on electronic exchange of secondary sales data for pharmaceutical companies in India. The role largely involves co-ordination with internal (data processing team & field force) and external stakeholders (client company- marketing distribution, field force and IT teams) leading to successful completion of the project on the determined timeline. Servicing companies with data obtained from stockists, provided sales trends of primary V/s secondary based on historic and incremental data; under-stocking and over- stocking to help replenish inventory. Handled a team of 7 reportees, guided them to achieve a higher daily target of data collection and client servicing. Show less

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  Hdfc bank

  Aug 2019 - Apr 2022

  Credit manager

  Started a role with HDFC Bank as a management trainee in credit cards underwriting.Managed quality control and training to ensure policies compliance for a team of 30 subordinatesDrafted and acted as a custodian for departmental presentations, reports,SOPs and process documentations.Constructed and implemented projects related to changes in the system and processes.Served as an SPOC for customer escalationsGot an opportunity to work for inter departmental loans -Auto loans- new car loans 8 months , restructuring of retail assets and a flair of collections activity during the tenure of 2.9years as recommended by seniors.Onboarded new team mates and conducted departmental trainings for the team. Coordinated with the policy team to ensure regular updates on policy changes are shared with the team to maintenance of minimal errors.Vendor management (contact point verification)DSA interaction and liaison to ensure minimal costs and maximizing the TAT and output for viable applications. Show less

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  Kotak mahindra bank

  May 2022 - Apr 2023

  Chief manager

  Team management (team leadership role)Capacity and productivity management, Training for existing and new underwriters.Quality control and audit of underwriters, Providing higher value and authority sign offs for applications,Projects on system improvisationLiasing with sales,internal audit, Risk controlling unit and all other stakeholders associated pre and post underwriting stage of application journey.

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  Unity small finance bank

  Jun 2023 - Jan 2024

  Senior credit analyst

  Setting up of BRE further managing modifications through gaps analysis and UAT for entire customer and user journey for credit cards, PL and MSME loans. Creating product constructs and SOPs for processes of the entire department from customer on boarding through fintech partnerships on LOS system of Onefin to Post disbursement, regulatory reporting and monitoring on LMS system. Onboarded 3 partnerships for newly formed digital hub department. Conducting hindsighting and highlighting errors, monitoring and managing portfolio of onboarded cases for unsecured Business loan ticket size 60000 to 50lakh on a bi-weekly basis. Facilitating dynamic process restructuring through RCA (Root Cause Analysis) and in co-ordination with IT security, Compliance, Credit KYC Fraud detection and Operations teams. Conducting department trainings for new joiners and managing a team of 7 credit underwriters. Implementing and monitoring internal application and credit score model. Providing new Fintech partnership with operational facilitation for seamless integration and application journey. Maintaining various reports and MIS for higher management in decision making. Managing Projects related to STP and market trends in fintech industry. Preparing monthly and quarterly data for regulatory reporting for submission to the central team Show less

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  Mahindra finance

  Jan 2024 - now

  Chief manager-credit policy and portfolio monitoring

  Credit policy formation and portfolio monitoring