Sangeet Kapoor
Gurgaon
Summary
With 15 years of exemplary experience in risk-based internal audit, Risk Analysis, project management within the banking and financial services
industry, Meticulously driven professional dedicated to driving business success while mitigating organizational risks, with an impeccable track record demonstrates a distinguished ability to make eminent
decisions that safeguard the organization from financial, regulatory, and brand impact.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Lead Financial Analyst
American Express India Private Limited
Gurgaon, HR
04.2015 - Current
- · Effectively manage proactive and reactive commercial card and Merchant underwriting workflows to maximize profitability and mitigate risk.
- Accountable for actioning severe risk cases up to $1MM including but not limited to Dun and Bradstreet alerts within compliance policies. Utilize multiple internal databases and external internet sites in gathering all relevant information when processing underwriting case.
- Developing and executing Training sessions for new hires to ensure all Business Underwriting activities are aligned to American Express policies and CFR Partners.
- Providing assistance to team members and leadership in developing strategies in order to identify process gaps and resolve any regulatory issue.
- Acting subject matter expert and thought leader in Manual UW reviews to bring out impactful findings and qualitative results.
- Leverage Credit analysis knowledge in reviews to ensure best-in class delivery of corporate clients.
Team Captain, High Balance Client Monitoring
American Express India Private Limited
10.2014 - 04.2015
- Monitored individual performance metrics regularly, identifying areas for improvement while recognizing exemplary contributions from team members.
- Facilitated successful collaboration among cross-functional teams to meet project objectives.
- Spearheaded weekly meetings with team members to address concerns, share updates, and discuss upcoming projects or goals.
- Developed comprehensive training programs for new hires, resulting in faster onboarding times and increased efficiency levels.
- Leading a Team of 15 leads, providing mentorship, training, coaching & feedback.
- Conducted regular risk assessments to identify potential compliance risks and implement mitigation
strategies to minimize gaps also perform continuous monitoring for open compliance events. - Collaborated with CFR Partners to ensure regular update of policies to team members.
Lead Credit Analyst, High Balance Client Team
American Express India Private Limited
05.2013 - 09.2014
- Responsible for doing internal follow-up credit assessment of all high balance setups that has significantly increased in
exposure after initial review. - Review and Analyze high balance collection accounts to identify issues to Improve high balance customer management
process. This also included preparing and presenting to Risk Senior Management on monthly basis. - Mentored junior analysts in credit analysis techniques, leading to more skilled and knowledgeable team.
- Contributed to successful audits by maintaining accurate records and providing timely responses to auditor inquiries regarding credit risk management practices.
- Evaluated complex transactions involving multiple counterparties to identify potential exposure points and develop effective mitigation strategies.
- Enhanced portfolio quality through diligent monitoring, early identification of potential risks, and prompt corrective actions via timely reviews
Lead Collection Specialist
American Express India Private Limited
09.2008 - 04.2013
- Performed collections on corporate accounts through Inbound/Outbound telephone contacts.
- Analyze risk on customer accounts, making sound decisions to ensure recovery while maintaining high customer.
satisfaction levels. - Meeting metrics like Customer Satisfaction Survey scores, Internal Quality, Contacts per hour (both Inbound and Outbound)
and % Collection on delinquent accounts. - Top performer on all metrics such as Quality, Collections, RTF & VOCM score
Education
MBA - Finance & Marketing
Indian Institute of Planning And Management
New Delhi05.2008
BBA - Finance & Marketing
Jagan Institute of Management Studies
Delhi05.2004
Skills
- Financial & Risk Analysis
- Good knowledge of AML Laws and practices
- Strong problem solving and analytical skills including ability to conceptualize and break down complex issues into actionable tasks
- Ability to address large groups and conduct training
- Credit Risk
- Well versed in American Express Management Policies
- KYC and transaction monitoring
- High level of Integrity
- Demonstrate excellent verbal and written communications skills
- Familiarized with banking Regulations Act, BSA, Patriot Act, GDPR
Certification
- Anti-money Laundering Concepts: AML, KYC & Compliance
- Harvard Leadership Edge
- Risk Management, IBMI, Berlin
- Basics of Project Management, IBMI, Berlin
- AB&C
- GDPR and FCPA
Additional Information
Date of Birth: 25th Nov 1982
Marital Status: Separated
Languages: Hindi, English
Timeline
Lead Financial Analyst
American Express India Private Limited
04.2015 - Current
Team Captain, High Balance Client Monitoring
American Express India Private Limited
10.2014 - 04.2015
Lead Credit Analyst, High Balance Client Team
American Express India Private Limited
05.2013 - 09.2014
Lead Collection Specialist
American Express India Private Limited
09.2008 - 04.2013
MBA - Finance & Marketing
Indian Institute of Planning And Management
BBA - Finance & Marketing
Jagan Institute of Management Studies
- Anti-money Laundering Concepts: AML, KYC & Compliance
- Harvard Leadership Edge
- Risk Management, IBMI, Berlin
- Basics of Project Management, IBMI, Berlin
- AB&C
- GDPR and FCPA
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