Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Affiliations
Accomplishments
Timeline
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ALKA SINHA

Credit And Risk Manager
Gurgaon

Summary

Competent and experienced credit management professional having diverse and proven track record of establishing Policy, Process and Product. Excellent knowledge and understanding of API functionality, scorecard behaviors, compliance requirements, financial statements and associated risks. Aims to leverage this expertise towards development and stabilization of financial and risk processes of an organization.

Overview

10
10
years of professional experience
3
3
years of post-secondary education
3
3
Certifications

Work History

State Credit Manager

Hero Fincorp
New Delhi
11.2019 - Current
  • Successfully built and implemented the core Application Processing System (APS) for faster decision on loan application through AI. Defined and implemented policy rules in Open Market Personal Loans.
  • Tested the scorecard for all possible outcomes and User Evaluation Trials (UAT) done for scorecard checks. Application and scorecard review and discussions done with the CRIF team for desired output in scorecard.
  • Prepared and designed SOP, credit policy and training materials for the process. Carrying out regular reviews to fine tune the process and ensure processes are robust. Conducted regular trainings for easy and simple policy understanding.
  • Introduced MIS reporting in the process. Analysis of login trends, credit, bounce and NIGO done on month on month basis.
  • Established and maintained all credit limits and enforced corporate policy throughout the organization. Scorecard validation on policy rules done to ensure efficient working of the scorecard.
  • Project taken with IT for development and updation of SFDC for easy and efficient working. CPV automation done in SFDC
  • Handling the entire credit team. Resolving escalations for fostering of team relationships and stakeholder management.
  • Vendor Management -CPV management done for TAT and billing.
  • Resolved problems, improved operations and provided exceptional service.
  • Applied effective time management techniques to meet tight deadlines.

Credit Head, Branch Banking

Bank of Baroda
New Delhi and Agra
03.2013 - 10.2019
  • Led a team of 30 credit clerks and junior credit officer to ensure that that the credit targets are achieved.
  • Processed, analyzed, reviewed and recommended various loan proposals on timely basis, within authorized limits
  • Approved or rejected credit applications, establish credit limits and determine repayment schedules in accordance with authorized limit
  • Identification and rectification of errors in Loan accounts, if any, as per the bank’s guidelines.
  • Focused on retention of our existing clients by carefully analyzing their changing needs with time. Guiding them in their future financial planning keeping in mind important expenses such as medical expenses, tax saving, child education etc.
  • Checked the conduct of Loan and overdraft accounts by monitoring those on annual basis and making recommendations by reducing or enhancing the credit limit vis a vis bank’s extant guidelines.
  • Analyzed the Risk of a credit proposal through credit rating of Borrowers through internal credit rating model of the Bank.
  • Ascertained and monitored the regularity of installments repayment for Loan accounts and ensured no overdue in account by thorough follow ups and proactive measures to remind customers.
  • Assessment and Processing of credit facilities requested by the bank customer and ensure credit worthiness.
  • Prepared monthly reports of loan accounts to ascertain and ensure the credit worthiness of organization.

Education

PGDBF - Banking And Finance

Manipal Academy of Higher Education
Bangalore
02.2012 - 11.2012

Master of Arts - English Language And Literature

Panjab University
Chandigarh
06.2009 - 07.2011

Skills

    Worked closely with PAN India team and specifically the West team to ensure accurate and timely closure of cases

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Accomplishments

  • Stakeholder Management
  • Risk Assessment
  • JIRA
  • Negotiation and Collaboration
  • Agile Leadership
  • Relationship Management

Certification

Credit and Risk certification by CRISIL

Affiliations

  • IIBF
  • CRISIL

Accomplishments

  • Introduced CPV automation
  • Digital KYC
  • Banking Analysis
  • Reports Automation
  • Fraud Analysis

Timeline

State Credit Manager

Hero Fincorp
11.2019 - Current

Credit and Risk certification by CRISIL

08-2016

CAIIB by IIBF

06-2014

JAIIB by IIBF

12-2013

Credit Head, Branch Banking

Bank of Baroda
03.2013 - 10.2019

PGDBF - Banking And Finance

Manipal Academy of Higher Education
02.2012 - 11.2012

Master of Arts - English Language And Literature

Panjab University
06.2009 - 07.2011

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ALKA SINHACredit And Risk Manager