Summary
Overview
Work History
Education
Skills
Websites
Accomplishments
Personal Information
Timeline
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Sanjana Pandey

Operation Analyst
Mumbai

Summary

A highly skilled finance professional with a Master's degree in Finance and over 3 years of experience in credit, operations, and compliance. Proficient in banking software and financial tools, with a strong track record of driving operational efficiency and ensuring regulatory compliance. Results-oriented, with expertise in managing risk, optimizing processes, and delivering actionable insights to support business objectives. Known for attention to detail, problem-solving abilities, and effective collaboration across teams to enhance performance and mitigate financial risks.

Overview

4
4
years of professional experience
4
4
years of post-secondary education
3
3
Languages

Work History

Operation Analyst

UNITY SMALL FINANCE BANK
Mumbai
03.2024 - Current
  • Conducted name screening for individuals and entities using Name Check, Jocata, Hunter, Google, and SEBI debarred and default lists.
  • Ensured rigorous due diligence in name screening to maintain compliance and mitigate risk.
  • Screening clients and related parties to meet AML requirements as per firms AML/CFT policies.
  • Managed and escalated potential hits to the relevant authority when they couldn't be discounted through screening processes.
  • Creation of CKYC id for new customer and update details on CKYC portal for existing customer with TAT using Trackwizz.
  • Played a pivotal role in maintaining the integrity of our screening processes, contributing to a secure and compliant environment.
  • Prepare, update SOP, flowchart for operation process for the unit.
  • Worked on process automation with the help of RPA to reduce time and error.

SENIOR EXECUTIVE

BHANIX FINANCE & INVESTMENTS LIMITED
Mumbai
10.2021 - 02.2024
  • Reviewed CIBIL report and Crif report of customer.
  • Handled personal loan product.
  • Performed review credit reports like CIBIL, Karza and Perfios report (Banking).
  • Initial appraisal of potential borrowers.
  • Interviewed applicants for loan eligibility.
  • Evaluated financial and non-financial criteria.
  • Performed decision after Determine risk appetite through Fixed obligation to income ratio (FOIR), approve loans as per eligibility.
  • Stayed updated on lending and financial services.
  • Conducted reviews of customer files to ensure compliance with AML regulations.
  • Provided robust client due diligence (low, medium and high-risk cases).
  • Conducted research via internal and external sources, gathered and analyzed documentation in accordance with regulatory KYC requirements laid down by the regulators.
  • Conducted manual and automated screening using tools.
  • Essential skills:-Credit Underwriting experience in personal loan, understanding of relevant regulations, strong communication skills.

Education

Master in Management Studies - Finance

GNIMS
Mumbai, Maharashtra
09.2019 - 05.2021

Bachelor of Banking & Insurance -

Sydenham College of Commerce & Economics
Mumbai, Maharashtra
06.2016 - 04.2019

Skills

Communication, Compliance Strategy, Multi-tasking, MS Office, Regulatory Reporting

Accomplishments

  • Best Co-HOD of Logistics department.
  • Best co-ordinator of Hospitality and Logistics Department.
  • Rising Star Award-Making Promising Start in Operation Team (04/01/22).
  • Highflyer Award – Being Top Performer in Customer follow up and conversion in DVIP (04/01/23).
  • Employability Skills
  • The Future is Bright, If the candidate is right
  • MS-CIT

Personal Information

Nationality: Indian

Timeline

Operation Analyst

UNITY SMALL FINANCE BANK
03.2024 - Current

SENIOR EXECUTIVE

BHANIX FINANCE & INVESTMENTS LIMITED
10.2021 - 02.2024

Master in Management Studies - Finance

GNIMS
09.2019 - 05.2021

Bachelor of Banking & Insurance -

Sydenham College of Commerce & Economics
06.2016 - 04.2019

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Sanjana PandeyOperation Analyst