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
2018.06 - 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
2016.08 - 2018.05
- 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
2016.03 - 2016.07
- 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 2016.04 - 2018.04
B.Sc - Mathematics & Statistics
Lucknow University
Lucknow 2011.06 - 2014.06
HSC - Science
Senior Secondary
Lucknow 2010.04 - 2011.05
Skills
VBA coding for reports automation
Microsoft Office Application ( Word,Excel,Power point,Outlook)
Basic knowledge of IDEA software
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
2018.06 - Current
Operations Manager
Aadhar Housing Finance Limited
2016.08 - 2018.05
PGDM - Finance
Welingkar Institute of Management
2016.04 - 2018.04
Management Trainee
Aadhar Housing Finance Limited
2016.03 - 2016.07
B.Sc - Mathematics & Statistics
Lucknow University
2011.06 - 2014.06
HSC - Science
Senior Secondary
2010.04 - 2011.05