Rumi Mishra
Senior Manager – Risk Management
Gurgaon
Summary
● A Lean Certified professional with 14+ years of extensive experience in the financial services industry. Extensive exposure to the service platform of Credit Risk, Fraud Prevention, Fraud Policy & Strategy, Operational Audit, Operational Risk Management, Vendor Management and Team Management.
● Result-driven Fraud Analyst experience in gathering and analyzing financial data in the financial service industry with expertise in fraud strategy development and experience using SAS/SQL programming languages.
● Dynamic risk manager, well-versed in credit risk management knowledge, portfolio risk assessment strategies, project management, and developing solutions to complex risk challenges and credit policy control demands
Overview
15
15
years of professional experience
5
5
Certificates
1
1
Language
Work History
Senior Manager – Risk Management
SBI Card & Payment Services Pvt. Ltd
Gurgaon
04.2016 - Current
Manage the Pre- Acquisition function for credit card portfolio, providing risk measures, identifying fraud risk related issues, implementing proactive & appropriate strategies to mitigate risk and future losses.
Core competency:
● Policy & Fraud Risk management
● Internal control, Portfolio analysis And Reports & MIS
● Employee Training & Certification.
● System implementation of Fraud & Policy rule changes
Projects & POCS:
● Working with ecosystem partners/vendors & Bureau on identification of Fraud Risk,
● Verification through alternate data. Like, Sherlock (CRIF Highmark), TU, Perfios, Equifax, Trusting Social etc.
● Hunter & Deduplix Rule Rationalization, UAN validation etc.
Manager – Corporate Customer Management
SBI Card & Payment Services Pvt. Ltd.
Gurgaon
03.2013 - 03.2016
● Managed entire customer life cycle for commercial card that includes corporate boarding, application processing, card embossing, card delivery.
Agency Manager – Collections
SBI Card & Payment Services Pvt. Ltd.
Kolkata & Mumbai
08.2007 - 03.2013
● Handled collections and its strategy for Kolkata & Mumbai Locations and also managed escalations received for Collections by implementing the process/audit improvements.
Education
Post Graduation - Investment &Tax Planning
ICFAI University
04.2001 -
BBA - Business Administration
School of Management Sciences
04.2001 -
Skills
SAS, SQL MS-Office, WCP, Hunter
Certification
Six Sigma Certification in Automation
Timeline
Senior Manager – Risk Management
SBI Card & Payment Services Pvt. Ltd
04.2016 - Current
Manager – Corporate Customer Management
SBI Card & Payment Services Pvt. Ltd.
03.2013 - 03.2016
Agency Manager – Collections
SBI Card & Payment Services Pvt. Ltd.
08.2007 - 03.2013
Post Graduation - Investment &Tax Planning
ICFAI University
04.2001 -
BBA - Business Administration
School of Management Sciences
04.2001 -
Six Sigma Certification in Automation
Lean certified of working on Time reduction & Cost reduction for Improvisation
Lean certified of reducing the defects in process
Advanced excel certified
Industrial Accountant from ICA, Kolkata
Industry Interface
● Working with SBI Cards & Payment services since 2007 and have worked in various roles and locations within the organization. I am currently work with Credit Risk Management and handling Fraud strategy, policy, Audit and Fraud Prevention.
Key Functions Handled : Fraud Risk Management, Operational Risk Management, Corporate customer Management, Distribution Analytics and Collections Strategy.
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Awards & Recognitions
● Received “Champion of the Quarter award” from CEO for simplification of corporate card legal documentation process.
● Received “External Focus” award for 100% implementation of chip & pin card.
● Outstanding Achievement” award for highest recovery in the year 2009.
● Achievers Award for zero escalation in the financials year.
● Spot Award for receiving customer appreciations.
Industry Interface
● Working with SBI Cards & Payment services since 2007 and have worked in various roles and locations within the organization. I am currently work with Credit Risk Management and handling Fraud strategy, policy, Audit and Fraud Prevention.
Key Functions Handled : Fraud Risk Management, Operational Risk Management, Corporate customer Management, Distribution Analytics and Collections Strategy.
Awards & Recognitions
● Received “Champion of the Quarter award” from CEO for simplification of corporate card legal documentation process.
● Received “External Focus” award for 100% implementation of chip & pin card.
● Outstanding Achievement” award for highest recovery in the year 2009.
● Achievers Award for zero escalation in the financials year.
● Spot Award for receiving customer appreciations.
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