Sadhana M.G
Sr Analyst & Professional (Insurance, Banking & Credit Cards)
124, 6th A Cross, 21st Main, JP Nagar
Summary
Experienced finance and customer service professional with a strong background in credit collections (insurance), financial fraud analysis, and customer care. Skilled in assessing financial risks, managing collections, detecting fraudulent activities, and ensuring compliance with industry regulations. Adept at delivering high-quality customer support, resolving complex issues, and optimizing processes to enhance operational efficiency. Proven ability to analyze financial data, mitigate risks, and drive strategic decision-making while maintaining strong client relationships.
Overview
11
11
years of professional experience
5
5
years of post-secondary education
Work History
Senior Lead CCP
American Express
Bangalore
02.2022 - Current
- Assisted with reconciliations and customer communications.
- Supported customers with invoices, statements and other basic questions.
- Supported continued monitoring, auditing and reporting to drive compliance and optimize credit card processing.
- Monitored existing customer accounts for continued creditworthiness based on analysis of past performance and current information.
- Researched and resolved customer complaints and disputes related to credit card accounts.
- Recommended products and services to meet customers' credit card and banking needs.
- Was awarded with Pinnacle award for achieving outstanding numbers for the Q2 2024
Senior Fraud Specialist
JP Morgan Chase
Bangalore
11.2017 - 08.2021
- Analyzed large amounts of data to find patterns of fraud and anomalies.
- Provided exemplary level of customer service to all individuals, including clients and company personnel.
- Collaborated with team members to discuss fraud trends and brainstorm methods to combat this type of crime.
- Investigated allegations to check validity and recommend actions to minimize risk.
- Identified risks associated with accounts and flagged suspicious accounts and notified the relevant stake holders.
- Assisted with collecting and developing information from variety of sources.
- Conducted projects to detect fraud, waste and abuse.
- Reviewed reports and individual transactions which appeared suspicious to uncover possible fraudulent activity.
- Identify fraudulent transactions and accounts based on actionable intelligence to mitigate reputation and financial risk
- Was awarded the Service Excellence award for the outstanding performance in Q4 2018
Sr Associate - Credit Control Insurance
WNS Global Services
Bangalore
02.2014 - 09.2017
- Premium Monitoring & Collections: Track outstanding policy premiums and proactively follow up on overdue accounts to ensure timely collections.
- Stakeholder Collaboration: Work closely with brokers, underwriters, and policyholders to address payment delays and resolve disputes effectively.
- Automated Collection Processes: Implement dunning strategies and structured collection workflows to streamline premium recovery and reduce manual efforts.
- Risk Assessment & Recovery Actions: Identify high-risk accounts, assess credit exposure, and recommend suitable recovery actions
- Root Cause Analysis (RCA): Conduct RCA on non-payments to identify potential misconduct or discrepancies in premium collections and mitigate risks.
- Financial Record-Keeping & Reporting: Maintain accurate credit control records, update financial systems with real-time payment statuses, and generate detailed reports for management.
- Customer-Centric Solutions: Deliver tailored payment solutions to enhance compliance while fostering strong relationships with brokers and intermediaries.
Education
Bacherlor of Commerce - Commerce
Bangalore University
Bangalore 03.2010 - 05.2013
Intermediate -
Bapu Pre-University College
Bangalore 03.2008 - 04.2010
Skills
Risk Assessments
Fraud detection
Dispute Resolution
Customer Communication
Collection strategy development
Credit control procedures
Timeline
Senior Lead CCP
American Express
02.2022 - Current
Senior Fraud Specialist
JP Morgan Chase
11.2017 - 08.2021
Sr Associate - Credit Control Insurance
WNS Global Services
02.2014 - 09.2017
Bacherlor of Commerce - Commerce
Bangalore University
03.2010 - 05.2013
Intermediate -
Bapu Pre-University College
03.2008 - 04.2010
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