Summary
Overview
Work History
Education
Skills
Certification
Work Related Awards & Achievements
Strengths
Timeline
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Pragya Saxena

Risk Management
MUMBAI

Summary

An ambitious and vibrant professional with a PGDM focused in Finance from welingkar institute of management,Mumbai and with more than 5 years of experience in the Finance domain

Overview

7
7
years of professional experience
6
6
years of post-secondary education
3
3
Certifications

Work History

Associate Manager-Risk Management

Aadhar Housing Finance Limited
MUMBAI
06.2018 - Current
  • Kept records accurate, detailed and fully compliant with reporting requirements to meet state, local, and federal housing requirements.
  • Set and enforced performance and service standards to keep consistent, high-quality environment devoted to customer satisfaction.
  • Identification,assessment and mitigation of causes and effects uncertainty and risk
  • Implement strategies to minimise the exposure to any risk
  • Carried out audits & assessment
  • Conducted concurrent audit. Maintained and prepared reports
  • Conducted periodical inspection of Home loan and Home Equity disbursed files to ensure process and policy norms are followed.
  • Due diligence of retail cases and finding non-compliance which directly/indirectly increase operational risk
  • Compliance check of files as well as branch audit queries
  • Closure of reports with respective department heads/ stakeholders
  • Technical analysis and quality check of technical department
  • Vendor and customer coordination related to technical quality check
  • Background analysis of customer including CIBIl score,funds analysis (income analysis)
  • Prepared RCM & provided inputs in policy making to minimize risk

Operations Manager

Aadhar Housing Finance Limited
Lucknow
08.2016 - 05.2018
  • Identified and resolved unauthorized, unsafe, or ineffective practices.
  • Implemented process improvement to shape organizational culture, optimize procedures for higher efficiency and help company evolve and grow.
  • Supervised operations staff and kept employees compliant with company policies and procedures.
  • Increased profit by streamlining operations.
  • Developed and implemented strategies to maximize customer satisfaction.
  • Monitored daily cash discrepancies, inventory shrinkage and drive-off.
  • Negotiated price and service with customers and vendors to decrease expenses and increase profit.
  • Trained and guided team members to maintain high productivity and performance metrics.
  • Mitigated business risks by working closely with staff members and assessing performance.
  • Interacted well with customers to build connections and nurture relationships.
  • Reduced operational risks while organizing data to forecast performance trends.
  • Ensure management and employee full understanding of business needs,auditing compliance,tracking process towards goals and measuring analytics on ROI
  • Turned branch ranking to first in operations
  • Management of dockets,NACH and other operational activities
  • Handled loan disbursement activities

Management Trainee

Aadhar Housing Finance Limited
Kanpur
03.2016 - 07.2016
  • Firsthand experience in credit underwriting and monitoring by preparing CAM (Credit Appraisal Memo) for loan applications for secured loans( Home loans & Non- Home Loans) serving to Salaried, Self Employed Non-professional customers
  • Conferring with customers to verify their financial/ credit transactions and resolve their complaints.
  • Profound knowledge in technical underwriting, SARFAESI norms, operational activities and understanding of legal documents
  • Management of cash & dockets in branch

Education

PGDM - Finance

Welingkar Institute of Management
Mumbai
04.2016 - 04.2018

B.Sc - Mathematics & Statistics

Lucknow University
Lucknow
06.2011 - 06.2014

HSC - Science

Senior Secondary
Lucknow
04.2010 - 05.2011

Skills

    VBA coding for reports automation

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Certification

Successfully completed online program of Executive Development programme in Financial Data Analyst from IIM KASHIPUR

Work Related Awards & Achievements

  • In 2021 received "ACE Award for Corporate Junior Manager"
  • In 2017 received "Rising Star Award" for UP-1 region
  • In 2013 received certificate in participating "National Conference on Role of Mathematics in advancement of Science & Technology NCRMAST-2013"

Strengths

  • Ability to work in a fast-paced environment to set deadlines
  • Excellent oral and written correspondence with an exceptional attention to detail
  • Highly organised with a creative flair for project work
  • Enthusiastic self starter who contributes well to the team
  • Working with team and lead

Timeline

Associate Manager-Risk Management

Aadhar Housing Finance Limited
06.2018 - Current

Operations Manager

Aadhar Housing Finance Limited
08.2016 - 05.2018

PGDM - Finance

Welingkar Institute of Management
04.2016 - 04.2018

Management Trainee

Aadhar Housing Finance Limited
03.2016 - 07.2016

B.Sc - Mathematics & Statistics

Lucknow University
06.2011 - 06.2014

HSC - Science

Senior Secondary
04.2010 - 05.2011

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Pragya SaxenaRisk Management