Nidhi Nidhi

• Proposed personal loans for all the customers of the bank; collaborated with Management for any write off approvals / credit note approvals with proper justification. • Devised an integrated credit risk management framework; ensured assessment of credit risk operations and reported on any process deviations; took risk mitigation measures . • Managed a team of 6 people & proposed loan up to INR 50 Lacs for all clients. • Conducted credit approval memorandum for salaried people & approval authority .

•one of the highest productivity in West Region . •Administered the creation of customer accounts and checked required documents in SAP; followed with customers through positive communication regarding all unpaid balances •Ensured that highest service standards were maintained for servicing of clients and maintained minimum TAT; provided resolution to collection issues and customer complaints pertaining to the branch; drove the implementation of best practices & SOPs for achieving operational excellence

•Performed credit appraisal & underwriting for all Business Banking unsecured proposal; managed end-to-end process for Analyzing financials. •Prepared MIS reports to provide feedback to top management on operations, billing, collection, credit control, profitability, so on; •Evaluated & counter checked information provided by customers for accuracy & authenticity, and revised information in case of any discrepancy. • Maintained cooperative working relationships with all external and internal customers .

• Processed 350+ approved files for Loan processing per month analysis of financial of customers. • Managed friendly relations with the credit reporting agencies; maintained audit cases & reduced the error percentage. • Maintained cooperative working relationships with all external and internal customers to ensure timely payment of invoices and resolution of customer queries; detected fraud on a monthly basis & saved INR 5-10 Lacs

MBA with Finance and HR