Rupa Rai
Bengaluru
Summary
A Multitasking Process Lead with an experience of 7. 9 years in Banking Domain with Process Making, Up-gradation of process and implementation of process,expertise in Commercial Lending, Underwriting, Credit Analysis, Credit Report, Credit Risk rating, Risk Analysis within Global Banking and Large corporate clients. Also, Skilled on verifying and evaluating the Credit report, Customer Financial Statement, Commercial lending, Portfolio Management & provide appropriate credit report of customer before providing or approving any lendings or Loans. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
8
8
years of professional experience
Work History
Process Lead (commercial Lendings /Portfolio Mgr)
Wells Fargo India
Bengaluru, KA
03.2023 - Current
- Evaluated process performance metrics, identifying areas requiring improvement or optimization for increased efficiency.
- Accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effectively
- Used strong analytical and problem-solving skills to develop effective solutions for challenging situations
- Identified issues, analyzed information and provided solutions to problems
- Monitoring and Implementation of new project (transaction Phase).
- Facilitated training for associates and advising on up-gradation of process
- Skilled at working independently and collaboratively in team environment
- Acted as team leader (IC) in group projects, delegating tasks and providing feedback
- Demonstrated leadership skills in managing projects from concept to completion
- Participated in team projects, demonstrating ability to work collaboratively and effectively.
- Developed strong communication and organizational skills through working on group projects
- Used critical thinking to break down problems, evaluate solutions and make decisions.
Business Process Lead
Tata Consultancy Services
Bengaluru, KA
09.2021 - 06.2022
- Mentored and guided employees to foster proper completion of assigned duties with using Agile way of working
- Demonstrated knowledge of company mission and goals and mentored employees in reaching objectives aligned with company core values
- Facilitated training for associates through daily coaching and regular performance appraisals
- Collaborated with upper management to drive strategy and implement new processes
- Optimized core processes to improve business performance and operational agility
- Assessed business processes and identified ways to boost improvement
- Managed and gathered customer financial information like customer assets, liabilities, lending, debt, etc
- Also prepare Debt Sale and Credit Bureau Report by using Transunion and Equifax application
- Manage process and trained new operator in preparing of credit bureau reports
- Also focus on how to evaluate and review credit risk of existing as well as new customer.
Senior Credit Analyst
HSBC Data Processing Center
Hyderabad, TG
03.2017 - 08.2021
- Worked for Securities Processing Center (SPC Team), CPS team deals with commercial lending for U.K region and my role was to managed commercial lending request of customer, it's an underwriting job to verify financial statement of customer in order to issue final approval for loan.
- Auditor / Quality Checker of process (Commercial Lending)
- Updating procedure, deliver training and to get trained in migrated queues
- Basic Understanding of Credit Risk rating, Risk Analysis within Global Banking and Large corporate clients about verifying credit risk ratio in market and passing on to further approval process
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit
- Reviewed customer files on regular basis to make sure receivables were in sound condition
- Improved understanding of financial statements, which helped in assessing risk
- Performed credit reviews on corporations to assess financial conditions
- Gathered loan documentation for underwriting
- Utilized strong communication and interpersonal skills to obtain necessary financial information from customers
- Evaluated customer credit data to determine level of risk involved in money lending
- Assessed credit risk and analyzed financial statements.
Associate Financial Analyst
TEK Systems
Hyderabad, TG
06.2016 - 03.2017
- Created quarterly earning presentations and monthly investor presentations
- Analyzed and tracked trends based on data reporting and recommended and implemented policy and procedure updates
- Provided analysis in forecasting financial expectations to inform development of budget planning
- Collected data from other divisions to support quarterly forecasts
- Oversaw associate technical training and educated associates regarding policies and procedures.
Education
M.B.A - Finance & Human resource
Jamshedpur Women's College
Jamshedpur, JH08.2015
B.COM - Accounts
Jamshedpur Women's College
Jamshedpur, JH07.2013
Pre-Degree(12th) - commerce
K.M.P.M Inter College (State Board)
Jamshedpur, JH06.2010
10th -
S.R.J.S High School (JAC RANCHI)
Jamshedpur, JH01.2008
Skills
- Expert in Microsoft office with focus on Microsoft Excel, Word, PowerPoint
- Trainer and expertise in making simple SOP, workflow
- Information Process Enabler (IC)
- Team Management
- Expert in reviewing Credit Reports
- Commercial lending
- Credit risk Rating
- Underwriting of loans
- Agile Methodology
- Scrum
- Self-motivated professional and open to learn new Modules
- Knowledgeable – resourceful about organization
- Insightful – high motivated to learn and experience
- Skilled at balancing and prioritizing multiple tasks to meet deadlines
- Highly organized and able to prioritize effectively - detail – oriented
Personal Dossier
Father Name: F.C. Rai,
Mother Name: Anima Rai
DoB : 05/21/1991,
Linguistic proficiency: English and Hindi,
Preffered Location :Bengaluru / Hyderabad / Remote.
PAN : BOTPR0733K
Awards
- Awarded lean ideas for process improvement.
- Received appreciation from client for excellent work delivery.
- Actively participate and organized RNR and cultural activities in Organization.
- Member of Corporate Social responsibility.
Projects
working capital management, 2nd May – 30th June 2014, Tata steel (Finance department), The aim of this project was to analysis the balance sheet of Tata steel ltd and to compare it with SAIL and JINDAL. Training, learning and Development, The aim of this project is to do a deep research & analysis work on a topic Training, learning and development and focus on how the training, learning & development work is taking place in and organization are this is benefited for both organization and employees or not.
Timeline
Process Lead (commercial Lendings /Portfolio Mgr)
Wells Fargo India
03.2023 - Current
Business Process Lead
Tata Consultancy Services
09.2021 - 06.2022
Senior Credit Analyst
HSBC Data Processing Center
03.2017 - 08.2021
Associate Financial Analyst
TEK Systems
06.2016 - 03.2017
M.B.A - Finance & Human resource
Jamshedpur Women's College
B.COM - Accounts
Jamshedpur Women's College
Pre-Degree(12th) - commerce
K.M.P.M Inter College (State Board)
10th -
S.R.J.S High School (JAC RANCHI)
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