SHRADHHA VIKRANT PONKSHE
Business Analyst
PUNE
Summary
Seasoned collaborator experienced in meeting needs, improving processes and exceeding requirements in team environments. Diligent worker with Strong Communication and task prioritization skills.
Business Analyst offering 3 years of Banking & Financial Industry success. Expert on business and system requirements, user acceptance and end user training. Accomplished at leveraging past lessons to inform future decision-making
Business Analyst successful at responding to shifting business needs and priorities. Well versed in operational assessment strategies and functional analysis methodologies for financial institutions of different sizes.
Aiming to obtain a challenging position in a team with an aim of consistently achieving the organisational goals and add value by utilising my proficiency in the areas of soft skills, multicultural experience, work ethics, strategic thinking and leading from front.
Overview
4
4
years of professional experience
5
5
years of post-secondary education
2
2
Certifications
1
1
Language
Work History
Credit Manager (Business Analyst - Cards Section)
HDFC BANK
PUNE
12.2019 - Current
- Sphere headed and led the team in a project which aimed at improving the Approval Rate
- Introduced a stakeholder management initiative by implementing a newsletter which became a go to property for trend analysis
- Given my communication skills and subject matter expertise on Policy, I was chosen among the entire West Region’s Team as a Policy Trainer
- Implemented a process of Data Analysis, Sorting, and Root cause analysis by taking reference from the mundane MIS Reports
- Implemented the End to End Process for key actions initiatives to be implemented based on the analysis of MIS Reports after conducting a team wide lessons learnt sessions
- Implemented an Internal Knowledge Repository as a Ready Reckoner for entire Personal Loan Product which is currently being used by the entire West Team
- Was chosen as “Ambassador” by the HDFC HR to create Policy related videos for Employee Engagement.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Reviewed and analyzed loan procedures.
- Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Identified process inefficiencies through gap analysis and outlined sensible solutions.
- Collaborated with teams in product line transition to streamline processing footprint.
- Executed analysis of risks and identified risk mitigation strategies.
- Evaluated trends to understand competitive environments and assess current strategies.
- Interacted with internal customers to understand business needs and translate into requirements and project scope.
- Surveyed clients to ascertain requirements and expectations for product.
- Applied honed problem-solving skills to analyze and resolve issues impacting business operations and goal achievement.
- Led cross-functional teams to analyze and understand enterprise-wide operational impacts and opportunities of technology changes.
- Assessed business requirements to forecast annual budgetary operational costs.
- Assessed impact of current business processes on users and stakeholders and evaluated potential areas for improvement.
- Met with stakeholders to establish favorable business relationships and support mutually beneficial interests.
- Supported leadership team with reporting, analysis and business presentations to inform divisional strategies.
Credit Manager ( Business Analyst Trainee )
ICICI BANK LTD
Mumbai
05.2019 - 12.2019
- Underwriter Credit Card and Personal, Credit Underwriting and sanctioning credit limits for Credit Card applications and sanction Personal Loans
- Evaluating financial information and risks prior to granting loans to individuals
- Assess information provided by potential borrowers, such as their financial liabilities, credit history, employment, and income, to calculate the risks of extending credit to loan applicants
- Essentially, determine the capacity of borrowers to repay their financial obligations
- Created a “Have I” Checklist for enhancing accuracy and reducing the turnaround time for benefit of the team.
- Mapped process activities to identify shortfalls and propose options to rectify operational inefficiencies.
- Established online configuration knowledge base to support functionality by developing robust system application overview.
- Developed metrics derived from raw banks data to track improvements in organizational efficiency.
- Reviewed files, records and other documents to obtain business information and key data informing responses to development requests.
- Diminished process gaps and encouraged optimal productivity by closely supervising workflow of claims analysts and mail clerks.
- Mapped current business and operational processes and recommended areas for improvement.
- Collaborated with team members to achieve target results.
- Actively listened to customers' requests, confirming full understanding before addressing concerns.
- Completed paperwork, recognizing discrepancies and promptly addressing for resolution.
- Actively listened to customers, handled concerns quickly and escalated major issues to supervisor.
- Worked with customers to understand needs and provide excellent service.
Jr Catalyst
BEING CATALYST, A GLOBAL CONSULTING & TRAINING
PUNE
02.2018 - 05.2019
- Managed the entire GST Compliance and Accounting as an additional responsibility after resignation of the concerned staff
- Design and develop training modules on Soft skills in customer handling
- Designed a curriculum on Business Writing
- Designed and Created digital presence on Facebook, Instagram and YouTube
- Conducted research, gathered information from multiple sources and presented results.
- Exceeded goals through effective task prioritization and great work ethic.
- Developed and implemented performance improvement strategies and plans to promote continuous improvement.
- Used coordination and planning skills to achieve results according to schedule.
- Created plans and communicated deadlines to complete projects on time.
- Actively listened to customers, handled concerns quickly and escalated major issues to supervisor.
Education
MBA - Finance
ICFAI Business School
Hyderabad 05.2017 - 02.2019
B.Com - Accounting And Finance
University of Pune
Pune 03.2014 - 04.2017
Skills
Adaptability & Flexibility
Accomplishments
Elected Secretary on an NGO called Anadi Ek Vichar.
Certification
ECBA ( Entry Level Certification in Business Analysis
Timeline
ECBA ( Entry Level Certification in Business Analysis
05-2022
Train the Trainer in Soft Skills
05-2022
Credit Manager (Business Analyst - Cards Section)
HDFC BANK
12.2019 - Current
Credit Manager ( Business Analyst Trainee )
ICICI BANK LTD
05.2019 - 12.2019
Jr Catalyst
BEING CATALYST, A GLOBAL CONSULTING & TRAINING
02.2018 - 05.2019
MBA - Finance
ICFAI Business School
05.2017 - 02.2019
B.Com - Accounting And Finance
University of Pune
03.2014 - 04.2017
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