Rituparna Dhar
Pune
Summary
Regulated Deputy Manager and an experienced financial professional with over 5+ years in wealth management, investment consulting, financial advising, portfolio management, underwriting, mortgage, insurance, branch operations and account management. Proven track record in managing client portfolios, conducting financial analysis, and providing strategic financial advice. Worked with US-Canadian taxation policies and helped clients reduce tax implications by conducting suitability check. Qualified NISM VA and PMS XXI-A (India) certifications and partnered products with The Mutual Fund Dealers Association of Canada (MFDA), Canadian Investment Regulatory Organization (CIRO), The Financial Consumer Agency of Canada (FCAC), Life Insurance (US-Canada), Wealth Securities, Mortgage and Auto Insurance.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Deputy Manager | ND Sales Wealth Manager
Kotak Asset Management Company Ltd (Mutual Fund)
Pune
12.2024 - Current
- Spearheaded the launch of Kotak Energy Opportunity Fund successful NFO, raising $10million in assets under management (AUM) Rs 9000 cr.
- Utilized CRM software and Tableau tools to track sales leads of Regular and Direct channels clients, forecast future revenue streams, analyze distributor behavior patterns.
- Oversaw UHNI and HNI clients holding NRI (NRE/NRO) accounts, regional and local sales management and staff.
- Coordinated KYC registration with CAMS, KRA, NDML, updated returns & Daily Fund Reports (DFRs) and distributed to National Distribution Partners.
- Building and maintaining strong relationships with clients, addressing their queries, and providing investment solutions.
- Monitoring market trends on Morningstar, RupeeVest, Trendlyn, Screener and provided insights to optimize fund performance and identify new opportunities.
- Took NFO sessions for wealth channels under AMCs i.e Edelweiss, Anand Rathee Wealth, IIFL 360 one, Centrum, Karvy Broking Ltd, Axis Securities, etc.
- Maintained relationships with Retail Channels i.e Mirae Asset Management, JM Financial, Bluechip Investment ltd, India Infoline etc.
Investment Consultant | Personal Banker
Toronto Dominion Bank
07.2023 - 08.2024
- Managed client portfolios worth over $50 million net worth, achieving an average annual return of 8% on products like Mutual Fund, stocks, bonds, ETFs, direct investment etc
- Checked client's suitability and conducted in-depth market research and financial analysis to guide investment decisions
- Provided ongoing portfolio reviews and adjustments based on market conditions and client needs on Tax free savings account, Retirement savings plan, Annuity plan, GIC, Treasury bills etc
- Provided comprehensive wealth management and financial planning services, including retirement planning, tax strategies, and estate planning of clients over $100k net worth
- Analyzed credit history to give decision on mortgage, home equity line of credit and insurance applications
- Assessed data and monitored credit risk and exposure through financial statement analysis, sales data, inventory management, and payment performance on ERP tool (SAP), GAAP & SLA's
- Conducted branch operations, daily transactions, cheque release, cash handling following FINTRAC & AML regulations
- Built strong client relationships and delivering tailored financial solutions on customer-to-customer basis
Financial Advisor | Underwriter
Progressa Financial Inc.
05.2022 - 07.2023
- Evaluated loan applications and assessed risk, approving loans worth over $50 million on Salesforce (CRM)
- Reduced fraudulent applications by 30% through meticulous analysis and verification using credit tools i.e
- TransUnion, Equifax & VMware
- Conducted loans interview with new and existing applicants based on business policy and procedure to assess credibility
- Analyzed credit profiles on Salesforce & Decision Logic based on company internal guidelines
- Collaborated with financial and risk analysts to develop risk assessment models
- Completed verification of employment, performing front-line underwriting of loan and insurance policies by applying product knowledge, analyzing the risk to make underwriting decisions
- Researched and evaluated loan applicant's financial status, references, credit, and ability to repay the loan (Total Debt Service Ratio)
- Promoted the sale of loan products to existing client (Refinancing opportunities)
Account Representative
General Motors Financial
05.2020 - 05.2022
- Managed a portfolio of 150+ client accounts, ensuring timely payments and resolving any issues
- Achieved a 95% customer satisfaction rate by providing exceptional service and support
- Developed and implemented sales strategies that increased revenue by 25% over months
- Utilized CRM and ERP software to track client interactions and maintain accurate records
- Reviewed personal and commercial credit applications for GM dealerships
- Made outbound calls to make suggestions and give options to the dealers for customers
- Participated in a team of credit analysts through pinpointed feedback, in a fast-paced environment, with a focus on internal scorecard metrics i.e
- Fair Isaac Corporation (FICO) Scores and credit bureau information
- Processed payments through ACH, IVR, MoneyGram, GM myaccounts, cards, etc
- Collaborated with the finance team to streamline billing processes, reducing overdue accounts by 10%
Education
Post-Graduation - International Business Management
Seneca College
Canada01.2021
Post-Graduation - Project Management
Fleming College
Canada01.2020
Bachelor's of Science - Architecture
Lovely Professional University
India01.2016
Skills
- CRM (Salesforce)
- Microsoft 360
- Vlookup
- Tableau
- AI Tools
- VMware
- ERP
- SQL
- Slack
- JIRA
Websites
Certification
- NISM-Series-XXI-A, Portfolio Management Services (PMS), IN, 2025
- NISM-Series-VA, Mutual Fund Distributors Certification, IN, 2024
- Financial Planning (FP), CA, 2024
- Personal Financial Services Advice (PFSA), CA, 2024
- Mutual Fund Investment Funds Canada (IFIC), CA, 2022
Additional Informations
- Proficient in Bloomberg Terminal for market analysis and investment research.
- Advanced skills in Morningstar Direct for financial analysis and portfolio management.
- Experienced with CRM software for managing client relationships.
Timeline
Deputy Manager | ND Sales Wealth Manager
Kotak Asset Management Company Ltd (Mutual Fund)
12.2024 - Current
Investment Consultant | Personal Banker
Toronto Dominion Bank
07.2023 - 08.2024
Financial Advisor | Underwriter
Progressa Financial Inc.
05.2022 - 07.2023
Account Representative
General Motors Financial
05.2020 - 05.2022
Post-Graduation - International Business Management
Seneca College
Post-Graduation - Project Management
Fleming College
Bachelor's of Science - Architecture
Lovely Professional University
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