Priyanka Ghosh
Underwriting
New Delhi,New Delhi
Summary
Professional with more than years 12 years of experience in finance industry. People-oriented Team Leader successful in monitoring performance, delegating work and motivating members. Versed in managing daily direction and driving results. Collaborative and resourceful, dedicated to identifying opportunities for developments and enhancements in business. Energetic and punctual with excellent communication skills.
Overview
19
19
years of professional experience
1
1
Certification
Work History
Team Leader (Underwriting Operations)
American Express (India) Pvt Ltd
03.2023 - Current
- Managing a team of 10 – 15 Financial Specialists. Provided guidance and support to them in decision-making processes.
- Accountable for underwriting for all business, corporate and consumer accounts by analyzing their financial statements, bank statements, pay stubs etc to assess credit potential and assess risk factors.
- Also accountable for underwriting new business accounts by analyzing credit reports and conducting detailed investigations into customers' backgrounds, including criminal records checks, business history and other relevant information.
- Effectively managing and monitoring underwriting operations by mitigating risks and meeting compliance parameters.
- Created internal policies and procedures related to the underwriting process by strategizing with risk partners and create techniques to mitigate maximum credit risks.
- Need to ensure accuracy and quality of underwriting through regular audits. Analyzed data to identify trends in customer risk profiles and recommended appropriate action plans.
- Participated in regular meetings with senior leadership teams to discuss current market trends.
Team Leader: Operations
American Express (India) Pvt Ltd
01.2017 - 03.2023
- Managing a team of 10 – 15 analysts.
- Delivered extraordinary service and demonstrated leadership ability to inspire the team to drive outstanding business results. Also coordinated team activities and delegated tasks to ensure efficient completion of projects.
- Regularly communicating the status of the business, progress against goals and ensure that direct reports are well informed about issues that affect them and their customers.
- Coaching provided with real time feedback and resolution of escalated issues. Developed strategies for problem solving and conflict resolution among team members.
- Ensured accuracy and quality of customer service through effective monitor techniques and workflow observance. Conducted regular performance reviews to assess individual team member progress.
- Driven continuous improvement of the operation and managed change effectively by motivating and retaining employees along with ensuring proper production levels and training
- Accountable for effectively driving the following key metrics:- Key departmental metrics as defined by business - Productivity - Quality -Timeliness/SLA and compliance.
- Achieving goals by providing outstanding coaching, training, and development and by rewarding and recognizing accomplishments.
- Demonstrated enthusiasm, resilience under stress with a strong will to win. Customer oriented, built strong relationships, driven continuous process improvement ideations and handled multiple priorities with strong time management, organizational and follow through skills.
Lead New Accounts Analyst
American Express (India) Pvt Ltd
07.2015 - 12.2016
- Processing of applications by ensuring complete analysis of available dataon profile, verification inputs, Credit bureau inputs, and internal policies
- Support all day to day new accounts processes and all new initiatives
- Tele-verification of new card prospects.
Relationship Manager – Platinum Cards
Deutsche Bank
Gurgaon
01.2010 - 03.2011
- Handling the relationship of the Platinum Card holders
- Carrying out various financial planning for the individuals, primarily Insurance products
- Working towards developing and retaining the existing base and increasing their AUM
- Sourcing high net-worth new-to-bank relationships in terms of platinum card.
Sales Manager- Private Banking
Deutsche Bank
Kolkata
01.2008 - 02.2009
- Sourcing high net worth new-to-bank relations in terms of accounts with relationship value of 20 lakhs and above
- Designing the investment portfolio and managing the same in terms of Mutual Funds, PMS and Insurance (from the house of Birla Sun Life Insurance Company Ltd.)
- Handling the relationship of the corporate payroll accounts and taking care of the cross-selling functions
- Carrying out the financial planning for the individuals as well as for corporate
- Working towards developing the existing base and increasing the floats.
Acquisition Manager-Advisory Services
Deutsche Bank
Kolkata
02.2007 - 01.2008
- Sourcing high net worth new-to-bank relations in terms of accounts with relationship value of 20 lakhs and above
- Designing the investment portfolio and managing the same in terms of Mutual Funds, PMS and Insurance (from the house of Birla Sun Life Insurance Company Ltd.)
- Handling the relationship of the corporate payroll accounts and taking care of the cross-selling functions
- Carrying out the financial planning for the individuals as well as for corporate
- Working towards developing the existing base and increasing the floats.
Asst. Sales Manager- Acquisitions for Personal Financial Services
Hong Kong and Shanghai Banking Corporation
02.2006 - 01.2007
- Sourcing the new-to-bank priority accounts such as Power Vantage and Premier with a minimum relationship of 1 lakhs and 25 lakhs (attaining the term deposits for the same)
- Handling the eight power vantage accounts with the term deposits on a monthly basis.
Loyalty Programs Executive
Hyatt Regency
Kolkata
01.2005 - 01.2006
Education
B.Com -
Calcutta University
01.2005
MBA - Banking And Finance Management
Narsee Munjee Institute of Management Studies
07-2023
Higher Secondary -
B.D.M I
01.2002
Skills
- Remote Team Management
- Workload Management
- Stakeholder Management
- Performance Coaching
- Performance Appraisal
- Operational Excellence
- Customer Service
- Written Communication
- Decision-Making
- Problem Resolution
- Hiring and Training
- Effective Communication
- Attention to Detail
- Time management abilities
- Analytical Skills
- Team building
- Financial Management
- Team Leadership
- Interpersonal Skills
- Multitasking
- Credit analysis
- Risk Assessment
- Managing risk
- Documentation
- Goal Setting
- Time Management
- Problem-solving abilities
Accomplishments
- Awarded for the best candidate in relationship care for the month of January 2015 and August 2015
- Awarded for earning the highest scores amongst peers during an internally circulated contest for the month of April 2015
- Awarded with RNR for outstanding performance in Quarter 1 & Quarter 3, 2016
- Received Progress award for Q2 2019
- Awarded with TRIBUTE for Q3 2019 for driving the Sole Prop remediation project successfully and with 100% accuracy by adhering to anti-money laundering policies.
- Received Team leading excellence awards in 2021 & 2022.
Personal Information
- Date of Birth: 11/13/82
- Nationality: Indian
- Married
Projects
- Fraud BEPN pilot, 07/26/18, 08/19/18, Three CCPs from my team were actively working on the project to assist with relevant data to capture and report the data and the progress of the pilot. The result had been good and was identified as a potential enhancement that could be implemented across.
- One GNA Voice Pilot, 09/01/18, 12/31/18, The entire team was selected basis their service intent on calls and were trained. The team had been able to achieve success in terms of the driving factors on VOCM (Knowledge, communication, easy and willingness) along with scoring the highest TBass scores across the floor.
- Sole Prop Remediation (back log), 05/22/2019. A new team of JCCs and tenured CCPs were formed to work on an inventory of 30K+ accounts that were to be remediated post opening them. This was a part of an AML project which required constant monitoring of work effort. The purpose of this project was to confirm that we have the correct company structure listed on the account.
Certification
- Certified with Moody's Analytics on Business Lending & Financial Accounting for Business Lenders (FALb) in 2024 March
- Certified on the Lead Coaching program from Harvard University (through internal certification program AMEX)
- AMFI certified professional with over 5 years of experience in Financial Sales & Marketing, Business Development and Key Client Management
Languages
Bengali
First Language
English
Proficient (C2)
C2
Hindi
Advanced (C1)
C1
Timeline
Team Leader (Underwriting Operations)
American Express (India) Pvt Ltd
03.2023 - Current
Team Leader: Operations
American Express (India) Pvt Ltd
01.2017 - 03.2023
Lead New Accounts Analyst
American Express (India) Pvt Ltd
07.2015 - 12.2016
Relationship Manager – Platinum Cards
Deutsche Bank
01.2010 - 03.2011
Sales Manager- Private Banking
Deutsche Bank
01.2008 - 02.2009
Acquisition Manager-Advisory Services
Deutsche Bank
02.2007 - 01.2008
Asst. Sales Manager- Acquisitions for Personal Financial Services
Hong Kong and Shanghai Banking Corporation
02.2006 - 01.2007
Loyalty Programs Executive
Hyatt Regency
01.2005 - 01.2006
B.Com -
Calcutta University
MBA - Banking And Finance Management
Narsee Munjee Institute of Management Studies
Higher Secondary -
B.D.M I
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