Pritam Saha

• Established strong relationships with key stakeholders, facilitating effective communication across departments (Domestic and Overseas) and teams.
• Based on process discussions, prepare process flows, narratives, and risk and control matrices.
• Improved team collaboration by initiating regular coordination meetings, both domestic and overseas.
• Work with the risk and legal teams to coordinate for a bid process.
• Support the Manager/Director in maintaining risk compliance for multiple projects.
• Monitor project progress (government and private), manage multiple assignments, and related project teams.
• Meet quality guidelines within the established turnaround time for assigned requests.
• Provide regular status updates to the Directors/Partners on the controls.
• Demonstrate application and a solution-based approach to problem solving while executing client engagements and documenting working papers.
• Developed a comprehensive risk management plan, significantly reducing potential disruptions.

List of clients worked with:

The World Bank Group.

Asian Development Bank.

Ministry of Road Transport and Highways.

Karnataka State Highways.

• Credit appraisals of credit card applications of Australian customers within defined guidelines and accordingly take decisions or recommending for approval to higher authorities
• Adhering to group credit policy and code of banking practice with the objective of maximizing revenue and minimizing risk
• Exercising thorough credit worthiness assessment and sound decision making and due diligence check of all credit card applications
• Evaluating proposals of customers of credit cards
• Reviewing the credit proposals submitted by the business and assessing the risk involved comprehensively
• Ensuring timely and accurate processing of work for both internal and external customers in line with expectations and within the agreed criteria set out in Service Level Agreements and established policies
• Credit verification officer with approving authority of $30,500 AUD

• Credit appraisals of credit card applications from Australian customers are conducted within defined guidelines, and decisions are made or recommendations are sent for approval to higher authorities.
• Adhering to group credit policy and the code of banking practice, with the objective of maximizing revenue and minimizing risk.
• Exercising thorough creditworthiness assessment, sound decision-making, and due diligence checks of all credit card applications.
• Evaluating proposals from customers for credit cards.
• Handle chat, inbound calls, and emails related to customer accounts to provide a smooth experience through online banking, so that customers can avoid visiting a branch due to COVID-19.
• Track customer transactions on debit and credit cards to avoid fraudulent activities.
• Closure of personal loans and credit cards.
• Guide customers with account-opening KYC-related queries.
• Provide details for credit card and personal loan opening.
• Credit card and personal loan maintenance, as per customer requirement.
• Interaction with UK branch staff regarding account issues.
• Work on the root cause of customer complaints to provide a better and smoother experience for customers.
• Additional responsibility to track team productivity to achieve team targets.
• Train new joiners in the team on behalf of the SME.
• Decision making within TAT

• Work on customer documents related to personal loans and credit card
• Deal with customer cheque processing segregating them if it’s a branch deposit or mobile scan
• Decline duplicate cheques if same cheque added multiple times
• Amend cheque number manually if required to process for next day clearing
• Speak to customers for getting a better clarity on cheques, if not cleared due to misrepresentation