Gargee Saha
Thane
Summary
20 years of experience in banking and finance industry serving varied roles across retail banking including sales, retail credit, portfolio monitoring, policy management and risk monitoring. Currently, seeking a challenging profile where my extensive experience and commitment to excellence may be professionally utilized for effective business practices while offering ample opportunity for learnings and professional growth.
Overview
22
22
years of professional experience
Work History
AVP - Risk :Policy Manager
Axis Bank
12.2025 - Current
- Monitoring Axis Bank farm mechanisation (tractor loans) portfolio through comprehensive analyses to inform strategic decisions.
- Amended policy guidelines based on portfolio performance and introduced test programmes to enhance operational effectiveness.
- Ensured governance of blaze rules through regular monitoring of deviations and compliance checks.
- Liaised with various stakeholders to facilitate policy discussions and ensure alignment with organisational objectives.
- Conducted training sessions and performance reviews with regional teams to enhance portfolio management.
AVP - Credit Risk : Hindsight
Axis Bank
07.2021 - 11.2025
- Monitored policy, process, and credit lapses for unsecured products – personal loans, credit cards, SBB, education loans, and farmer funding to ensure compliance and mitigate risks.
- Evaluation of the different Product programmes in line with regulatory guidelines
- Collaborated with stakeholders to maintain process integrity and ensure adherence to regulatory standards.
- Database analysis, building policy level triggers to identify lapses at different stages and process
- Reporting of exceptions and tracking of closures for the same by concerned stakeholders
- Monitoring of early delinquencies of the concerned portfolios and finding gaps for the same.
- Tracked digital journeys and identified fraud to enhance security measures and protect assets.
- Digital products & process hindsight including fraud identification and employment verification checks.
Chief Manager- Underwriting Unit Head
Edelweiss Financial Services
11.2017 - 06.2021
- Handling the digital SME wallet product for Edelweiss (from onboarding to disbursal processes)
- Starting the PL product at Edelweiss and facilitating formulation of product norms
- A key member for building the analytical scorecard for the product.
- Setting up the Scan based workflow and mobile application for the product
- Facilitating in customer journey of digital product
- Conducted portfolio analysis and monitored portfolio delinquencies to identify trends and inform strategy.
- Collaborated on policy changes and managed policy implementation based on in-depth analysis.
- Reviewed collection strategies to optimise recovery processes.
- Established team structure and facilitated training sessions to enhance team capability and performance.
- Streamlined processes through automation initiatives.
Senior Manager - Team Leader
Axis Bank
02.2014 - 11.2017
- Led team of 8 – 10 credit underwriters, ensuring alignment across locations.
- Analysed and published reports on key growth parameters, informing strategic decisions.
- Monitored productivity and turnaround times, providing insights for improvement.
- Initiated several projects in collaboration with IT teams.
Manager - Service Head
Citifinancial Consumer Finance
05.2013 - 08.2013
- Oversaw customer service operations, ensuring adherence to SLA guidelines for enhanced service delivery.
- Served as single point of contact for all customer and stakeholder requirements, facilitating effective communication.
- Managed escalations in consultation with cross-functional team to achieve successful resolutions.
Branch Manager
Citifinancial Consumer Finance
12.2006 - 05.2013
- Achieved sales targets, collections, service level improvements, and branch profitability.
- Oversaw branch operations and ensured profitability by managing all requirements effectively.
- Managed all business and regulatory compliance requirements for the proper functioning of the branch.
- Delivered comprehensive MIS and reporting to senior management, highlighting key performance indicators for the branch.
- Coached and mentored team members, enhancing delivery capabilities and preparing them for expanded business responsibilities.
Assistant Manager
Citifinancial Consumer Finance
10.2005 - 11.2006
- Managed risk by accurately profiling customer credit histories.
- Oversaw customer portfolio to manage delinquency control effectively.
- Streamlined business processes to accelerate loan disbursal and resolve consumer issues.
- Analyze/understand customer requirement(s) and offer specific tailor made solutions to leverage Citifinancial capabilities and business priorities.
- Launched promotional activities and market-specific initiatives to enhance sales and profitability.
- Undertake various cross-functional initiatives comprising Operations & Processing departments to minimize Turn-around-time (TAT).
Loan Officer
Citifinancial Consumer Finance
03.2004 - 09.2005
- Achieve agreed loan disbursal volumes and IRR targets.
- Lead the Telemarketing team for distribution of personal loans.
- Customer Relationship Management to improve cross-selling of various financial products under Citifinancial.
Education
MBA - Finance
ITM Bangalore
01-2004
PGDM - Commerce
Calcutta University
01-2000
ISC - Accountancy, Economics, Commerce, Bengali, Mathematics, English
Calcutta Girls’ School
Calcutta01-1997
ICSE - English, Bengali, Mathematics, Physics, Chemistry, Biology
Calcutta Girls’ School
Calcutta01-1995
Skills
- Risk Management
- Personal Loan Underwriting
- Credit Cards
- Education Loan Products
- Branch Management
- Sales
- Collections
- Credit Management
- Customer Service
- Operations in Retail Finance
- Team Management
- Coaching
- Mentoring
Accomplishments
- Received Anchors Certification of appreciation for Q4 – 2022-23 at Axis Bank.
- Was a key contributor towards achievement of Finoviti Award 2019 for Edelweiss.
- Awarded the Most Valued Contributor in AXIS within 10 months of joining.
- Recognized for highest productivity with minimal errors in underwriting in AXIS Bank.
- Recognized through BRAVO AWARD across Citigroup for outstanding performance.
- Recognized for the ‘Best Branch’ in Citifinancial west division.
- Recognized as the Top Ten Performers in Personal Loan Disbursal in Citifinancial India for Q2, 2005.
- Consistent out performance of allocated targets for cross-selling of personal loans.
- Countrywide roll-out of 'MEMBER GET MEMBER' initiative to increase market penetration & wider coverage at minimum cost.
- Established Kalyan (II) & Ambernath branch from inception to profitability.
Languages Known
English
Hindi
Bengali
Personal Information
Total Experience: 20 years
References
On request
Timeline
AVP - Risk :Policy Manager
Axis Bank
12.2025 - Current
AVP - Credit Risk : Hindsight
Axis Bank
07.2021 - 11.2025
Chief Manager- Underwriting Unit Head
Edelweiss Financial Services
11.2017 - 06.2021
Senior Manager - Team Leader
Axis Bank
02.2014 - 11.2017
Manager - Service Head
Citifinancial Consumer Finance
05.2013 - 08.2013
Branch Manager
Citifinancial Consumer Finance
12.2006 - 05.2013
Assistant Manager
Citifinancial Consumer Finance
10.2005 - 11.2006
Loan Officer
Citifinancial Consumer Finance
03.2004 - 09.2005
MBA - Finance
ITM Bangalore
PGDM - Commerce
Calcutta University
ISC - Accountancy, Economics, Commerce, Bengali, Mathematics, English
Calcutta Girls’ School
ICSE - English, Bengali, Mathematics, Physics, Chemistry, Biology
Calcutta Girls’ School