BHAVANA SEHGAL
Ghaziabad,UP
Summary
- Performance-driven finance professional with experience of 4 years of delivering change in banking operations & customer servicing.
- Proficient in evaluating creditworthiness, conducting risk assessments, and structuring loan products tailored to client needs.
- Demonstrated success in mitigating financial risks while maximizing profitability within unsecured lending portfolios.
- Strong analytical skills combined with a keen understanding of regulatory requirements ensure compliance and sound decision-making.
- Committed to driving organizational success through strategic underwriting practices and fostering collaborative relationships across departments."
Overview
4
4
years of professional experience
1
1
Certification
Work History
Senior Analyst
Barclays Global Service Centre Pvt Ltd
04.2022 - Current
- Assess loan application for unsecured lending, assessing creditworthiness and risk conducted through financial analysis and credit investigations to make informed decisions.
- Timely execution of requests from clients/Agent bank/Participants with respect to terms of agreed facilities, including draw downs, repayments, rollovers, wire transfers, treasury fundings, deposits, and investigations.
- Implemented risk-based monitoring, overseeing, and optimizing control mechanisms to enhance risk management strategies.
- Competent in understanding of financial crime regulations and policies around AML & Sanctions.
- Proficient in all the underwriting queues – KYC, Fraud, Affordability & Policy and Sanctions/Screening Policies.
- Verify financial statements, tax returns, credit reports, bank statements, commercial and residential leases, rent rolls and property operating statements Experience with using the Group Bank's computer systems such as Fullserve, World check for sanctions linked applications.
- Assisted in creating PKT Tests for process knowledge check for advisors.
- Conduct thorough investigations for KYC and fraud cases. Gather all necessary documentation for review and ensure that individuals linked to sanctions are cleared from any alerts in the RTS.
- Carried out internal audits to mitigate errors and shared reports with management to drive and meet SLA targets set by onshore.
- Analytical mindset with attention to detail, high degree of accuracy & ability to multitask effectively.
Assistant Manager
HDFC Bank
01.2020 - 01.2022
- Managing the complete PBWD Desk Operations; ensuring timely completion of tasks
- Addressing customer queries & resolving them in a timely manner
- Ensuring seamless cross-functional coordination with different departments to increase the process efficiency
- Driving portfolio management, acquiring new accounts & retaining the existing one
- Managing all transaction processes and delivery of services; providing services to existing customers and managing all aspects of customer relationships
- Generating referrals from the internal database; acquiring clients through interacting with walk-in customers
- Discussing financial requirements and rendering sustained advisory services to personal and business clients
- Processing and documenting all payments of the company, issuing receipts for payments, operating office equipment, entering and updating data, preparing bank deposits, creating financial reports which further falls under Remittances
- Managing client portfolio according to guidelines that reflected the marketing and credit policies as well as money laundering rules and regulations of the bank.
Education
BA - Economics & Entrepreneurship
Delhi University
Delhi, DL2019
12th -
Queen's Mary School
New Delhi, DL2016
10th -
Queen's Mary School
New Delhi, DL2014
Skills
- Compliance Management
- Trade Finance
- Portfolio Management
- Customer Service / Quality Assurance
- People Management
- Risk Assessment and Analysis
- Problem Solving and Critical Thinking
- Decision Making
Other Engagements
- Engaged in Shiksha menstrual hygiene campaign for adolescent girls fostering awareness, distributing education materials.
- Participated in Tree Plantation Drive to enhance local green spaces and provide environmental sustainability.
- JMC Donation Drive Head (UMEED NGO -A Drop of Hope) in 2017 Active Member and Volunteer of the National Social Service Society (2016-19) Core Team Member, Equal Opportunity Cell, JMC (Aug'17-Mar'19)
- Completed certification in BusinessFoundations Finance .
Certification
· Excel
· Microsoft office 360
· Fullserve
· Edocs
· Icenet
· Equifax
· Experian
· OWS
· RTS
· AML
· Word check
· Firenet
· Transunion
· Instinct
· Appain
Timeline
Senior Analyst
Barclays Global Service Centre Pvt Ltd
04.2022 - Current
Assistant Manager
HDFC Bank
01.2020 - 01.2022
BA - Economics & Entrepreneurship
Delhi University
12th -
Queen's Mary School
10th -
Queen's Mary School
· Excel
· Microsoft office 360
· Fullserve
· Edocs
· Icenet
· Equifax
· Experian
· OWS
· RTS
· AML
· Word check
· Firenet
· Transunion
· Instinct
· Appain
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