Madhusree Garai
New Delhi
Summary
Fast and detail-oriented learner with a successful track record in both team and independent settings. Confident, reliable, and driven by strong core values to apply expertise meaningfully. Proven history of developing strategic initiatives, providing project management and offering results-focused interactions to foster growth. Adept at monitoring actions plans and initiatives to ensure alignment with corporate objectives. Offering several years of expertise in the field settings to fulfill a professional role.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Assistant Vice President
Bharat Fincare Pvt. Ltd. (Previously Joint To Lead Solutions Pvt Ltd)
04.2023 - Current
- Business relationships: Building and maintaining strong relationships with key customers and stakeholders
- Vendor relationships: Representing the company externally, and assisting with client and vendor relationships
- Compliance: Ensuring compliance with policies and guidelines, RBI norms and staying current on regulations
- Team management: Leading and developing a team, monitoring staff performance, and conducting performance reviews
- Reporting: Preparing management reports, such as portfolio credit reports, and present to board of directors and other stakeholders
- Loan administration: Managing the loan drawdown process and liaising with customers and booking offices
- Escalation management: De-escalated problematic customer concerns, maintaining calm, friendly demeanor, fast tracking them for problem solution and maintaining QA satisfaction levels.
- Loan servicing: Supervising a team that processes loan operations including the Calling, Credit and Collections Team.
- Credit: Ensuring the quality of a microfinance loan portfolio, monitoring industry developments, and adhering to credit policies
Sr. Credit Manager
Bharat Fincare Pvt. Ltd. (Previously Joint To Lead Solutions Pvt Ltd)
04.2022 - 03.2023
- Credit analysis: Analyzing financial statements, researching client sectors, and conducting credit reviews and audits
- Credit policy: Ensuring compliance with credit policies and procedures, and participating in the development of credit policy and risk appetite statements
- Credit documentation: Ensuring transaction documents are processed and meet approved terms and conditions
- Credit risk management: Managing credit risk portfolios, monitoring bad debts, and setting credit limits and terms
- Credit reporting: Preparing and presenting regular reports on credit performance
- Credit customer service: Addressing customer disputes and inquiries related to credit issues
- Credit team management: Leading, mentoring, and developing a team of account receivable clerks
- Compliance: Ensuring compliance with KYC policies and operating procedures, and legal and regulatory standard
Credit Manager
Bharat Fincare Pvt. Ltd. (Previously Joint To Lead Solutions Pvt Ltd)
10.2020 - 03.2022
- Credit scoring: Creating models to predict risk and assess a client's creditworthiness
- Interest rates: Calculating and setting interest rates for loans
- Loan terms: Negotiating loan terms with new clients
- Compliance: Ensuring that all lending procedures comply with the law
- Credit policies: Creating, reviewing, and revising company credit policies
- Loan payments: Monitoring customers' loan payments and bad debts
Disbursement Manager
Naman Finlease Pvt. Ltd.
01.2020 - 09.2020
- Checked and processed disbursement after proper satisfaction of KYC requirements and Loan Application form from borrowers as per defined KYC checklist, pre-sanction checklist etc.
- Maintained Key defines metrics on TAT and accuracy
- Ensured all deviations / approval are in the file prior to disbursement
- Handled queries related to bank reconciliation
- Constant improvement in process including providing business requirements, UAT etc
- Part of the new CRM/LMS installation and updations
Deputy manager - Privilege Banker
ICICI Bank Pvt. Ltd.
07.2017 - 11.2019
- Customer service: Providing guidance and advice to customers on products and services
- Meeting targets: Meeting annual targets for sales and productivity
- Loan servicing - As asset desk manager, handles HL LAP PL AL queries and logged in new files.
- Cross-selling: Cross-selling new products and services to new and existing customers
- Maintaining relationships: Maintaining good relationships with customers
- Providing guidance: Providing guidance and advice to customers about products and services
- Compliance: Performing compliance, service, and operations in the branch
Education
PGDM - Finance -
Acharya Institute of Management and Science
01.2017
B. Comm (Hons) - Accountancy -
Durgapur Government College
01.2015
ISC -
St. Michael's School
01.2012
ICSE -
St. Michael's School
01.2010
Skills
- Communication and Interpersonal skills
- Good in Negotiation
- Project management skills
- Critical thinking
- Strategic financial planning skills
- Flexibility
- Resilience
- Collaboration with team and co workers
- Problem solving
- Empathy
- Team leading
- Planning and coordinating
- Customer service
- Hiring and coaching
- Policy compliance
Accomplishments
Worked as Project manager in many successful set up of start ups namely
Everyday Loan India
Loan for her
Tiny loans
Loan In Hours
Paisa In Time
Credit In Time
Day to Day loans
KreditSure (yet to commence business)
CashPey (yet to commence business)
Awarded Leadership awards every year in annual Conferences
Hobbies and Interests
- Travelling
- Painting and crafts
- Cooking
- Challenging and strategic games
Languages
Bengali
First Language
English
Proficient (C2)
C2
HIndi
Upper Intermediate (B2)
B2
Certification
- Google Project Management
- Google AI Essentials
Timeline
Assistant Vice President
Bharat Fincare Pvt. Ltd. (Previously Joint To Lead Solutions Pvt Ltd)
04.2023 - Current
Sr. Credit Manager
Bharat Fincare Pvt. Ltd. (Previously Joint To Lead Solutions Pvt Ltd)
04.2022 - 03.2023
Credit Manager
Bharat Fincare Pvt. Ltd. (Previously Joint To Lead Solutions Pvt Ltd)
10.2020 - 03.2022
Disbursement Manager
Naman Finlease Pvt. Ltd.
01.2020 - 09.2020
Deputy manager - Privilege Banker
ICICI Bank Pvt. Ltd.
07.2017 - 11.2019
- Google Project Management
- Google AI Essentials
PGDM - Finance -
Acharya Institute of Management and Science
B. Comm (Hons) - Accountancy -
Durgapur Government College
ISC -
St. Michael's School
ICSE -
St. Michael's School
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