Heena Bajoria
Pune
Summary
To leverage my extensive experience in project management, risk analytics, and business intelligence to drive strategic initiatives and contribute to the growth and success of a forward-thinking organization. I aim to utilize my skills in leading cross-functional teams, managing complex projects, and delivering impactful business solutions.
Overview
8
8
years of professional experience
Work History
Senior Manager - Digital Analytics
Fedbank Financial Services Ltd
Mumbai
05.2022 - Current
- Coordinated with internal teams and third parties/vendors
- Ensured all projects are delivered on-time, within scope, and within budget
- Assisted in defining project scope and objectives, involving all relevant stakeholders and checking for technical feasibility
- Developed and ran a detailed project plan, monitored, and tracked progress
- Created and maintained comprehensive project documentation
- Tracked project performance to analyses the successful completion of short and long-term goals
- Led complex projects independently, driving regulatory and strategic change initiatives
- Owned project design and delivery, from building the case to delivering outcomes, enabling achievement of strategic business goals
- Developed and enhanced relationships with key stakeholders, understanding business needs to drive programs effectively
- Worked with Technology, Operations, Finance, and Business to identify opportunities to deliver projects and improve business processes
- Led and managed a team of 5 members, providing guidance, support, and performance feedback
- Worked closely with data, analytics, and technology teams across the business to shape solution designs meeting business needs and aligning with strategic Data & Analytics objectives
- Ensured awareness, involvement, and support from key stakeholders by building strong pod teams and maintaining robust communications on the project status throughout its lifecycle
- Ensured risks and issues are identified, managed closely, and removed project blockers from the team
- Made key decisions to ensure the successful implementation of all initiatives
- Supported the delivery production line such as definition, implementation, and testing, ensuring deliverables meet business requirements and are fit for purpose
- Demonstrated a continual desire to implement “strategic” or “optimal” solutions and avoid workarounds or short-term tactical solutions where possible.
DGM – Alternate Channel
Fincare Small Finance Bank
Mumbai
06.2021 - 05.2022
- Understand business policies and processes, mapping them to system requirements
- Interact with internal and external stakeholders to understand business reporting needs
- Document requirements and solutions implemented for business stakeholders, including BRD preparation
- Obtain sign-offs on BRDs and specifications; facilitate work estimation and sizing for requirements
- Liaise between vendors, support teams, and business units
- Conduct UAT testing and scenario analysis
- Analyze RUB business: Business loan and JLG; Collection Analysis, PAR Analysis, Bucket flows, Collection Trend
- Create business and financial proposals to onboard new partners
- Handle compliance and governance for partners.
Manager – Risk & Analytics
Digikredit Finance Pvt. Ltd.-SME corner
Mumbai
07.2019 - 04.2021
- Conduct portfolio analysis and recommend policy changes for business loans and LAP
- Prepare and monitor the performance of various pools, bounce rates, delinquency, and portfolio segmentation reports
- Control bounce rates by acting on scorecard results and monitoring pre-emptive calling
- Develop credit cost models and estimate monthly/quarterly credit costs
- Monitor credit automation projects and work on scorecard development with the analytics team
- Create business and financial proposals to onboard new partners
- Handle compliance and governance for partners.
Manager – Analytics
RBL FinServe Ltd., Fully owned subsidiary of RBL Bank
Mumbai
07.2017 - 06.2019
- Understand business policies and processes, mapping them to system requirements
- Interact with internal and external stakeholders to understand business reporting needs
- Prepare BRDs, including detailed information and workflows
- Obtain sign-offs on BRDs and specifications
- Liaise between vendors, support teams, and business units
- Conduct UAT testing and scenario analysis
- Perform collection analysis: PAR Analysis, Bucket flows, Collection Trend
- Perform business analysis: Business Trend, Sales Trend, Productivity Trend
- Handle compliance and governance for partners.
Assistant Manager – Business Intelligence & Analytics
Jana Small Finance Bank
05.2016 - 06.2017
- Conduct collection analysis: Portfolio Analysis, PAR Analysis, Collection Trend
- Create business reports using Salesforce.com and COGNOS
- Manage MIS creation and management
- Perform zonal business analysis.
Education
Chartered Financial Analyst – Level 1 -
CFA Institute
01.2020
Master of Business Administration - Development Management with Advanced Data Analysis (ADA) & Econometrics
Indian Institute of Forestry Management, Bhopal
03-2016
Bachelor of Science (PMC) -
Sunbeam College For Women, Mahatma Gandhi Kashi Vidyapeeth
03-2013
Skills
- Good analytical and interpretation skills
- Data-driven decision-making
- Documentation And Reporting
- Statistical Tools: Python
- R-programming
- Tableau (for data visualization)
- Power BI
- Basic SQL
- MS Office Suites
Professionalprojects
- Value Chain Analysis of Dairy and Vegetable Farming in Bhopal District, Jana Small Finance Bank, Bhopal, Examined and analyzed the value chain from producer to end consumer. Identified financial aspects and credit cycles of the value chain. Explored opportunities for Jana Small Finance Bank to strengthen business among various value chain actors.
- Empirical Study of Volatility of Indian Stock Market based on Time Series, IIFM Bhopal, Studied daily index returns of S&P BSE 100 and S&P BSE 200 indices. Conducted ADF and PP tests to verify stationarity of data. Used GARCH to capture volatility in index returns.
Activities
FinServeDigikreditFincareFedbank
- Participation certificate from Internshala - My Internship Story 2015.
- Founder member of SATH, an initiative of PGDFM 2014-16 batch, IIFM Bhopal.
- Member of organizing committee DAKSH 2015 & 2014 - Annual fest of Entrepreneurship Development Cell.
- Member of Entrepreneurship Development Cell and Sports Committee at IIFM Bhopal.
Timeline
Senior Manager - Digital Analytics
Fedbank Financial Services Ltd
05.2022 - Current
DGM – Alternate Channel
Fincare Small Finance Bank
06.2021 - 05.2022
Manager – Risk & Analytics
Digikredit Finance Pvt. Ltd.-SME corner
07.2019 - 04.2021
Manager – Analytics
RBL FinServe Ltd., Fully owned subsidiary of RBL Bank
07.2017 - 06.2019
Assistant Manager – Business Intelligence & Analytics
Jana Small Finance Bank
05.2016 - 06.2017
Chartered Financial Analyst – Level 1 -
CFA Institute
Master of Business Administration - Development Management with Advanced Data Analysis (ADA) & Econometrics
Indian Institute of Forestry Management, Bhopal
Bachelor of Science (PMC) -
Sunbeam College For Women, Mahatma Gandhi Kashi Vidyapeeth
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