Smriti Bhaskaram

• Agile Leadership: Served as Scrum Master, facilitating ceremonies (Sprint Planning, Daily Stand-ups, Retrospectives) for cross-functional teams to remove impediments and increase delivery velocity for AI-driven investment products.
• Operational Optimization: Streamlined internal workflows and data-driven resource allocation, achieving a measurable reduction in operational latency for high-frequency financial data processing.
• Executive Reporting & Strategy: Compiled daily business performance reports for the Executive Committee (ExCo), translating complex AI model outputs into actionable insights for senior-level strategic decision-making.
• AI Data Model Analysis: Synthesized high-frequency data from multiple AI models (across 7, 15, 30, and 45-day horizons), ensuring data consistency and accuracy for retail and institutional recommendations.
• Data Integrity & Management: Managed the end-to-end data lifecycle with a "zero-defect" standard, overseeing raw data accumulation and validation to support Computer Vision-based market pattern recognition.
• Equity Research & Bloomberg: Leveraged Bloomberg Terminal ([GO] commands) and Advanced Excel for real-time market data extraction and equity research, orchestrating trade lifecycles and Portfolio Management Services (PMS).
• Workflow Innovation: Integrated Generative AI (ChatGPT) into operations, improving task efficiency and documentation turnaround by 25%.
• Financial Operations: Executed high-fidelity data validation for derivatives and trade settlements, maintaining 100% accuracy across diverse basket-based trading strategies (Intraday Long/Short).
• Regional Site Leadership (SPOC): Acted as the Single Point of Contact for the Hyderabad office, managing local operations, site-wide communications, and inter-departmental coordination.
• Technical Recruitment: Acted as the primary recruiter for the Hyderabad site, utilizing Keka’s ATS to screen and shortlist Data Scientist candidates based on AI and deep learning competencies.
• Employee Lifecycle Management: Orchestrated the onboarding and offboarding processes within Keka, streamlining documentation, asset allocation, and induction for all new hires.
• HR Service Delivery: Managed daily HR queries and case activity through Keka, ensuring timely resolution of employee requests and adherence to service level agreements (SLAs).
• Regional HR Leadership: Served as the HR SPOC for the Hyderabad office, coordinating local operations, site-wide communications, and employee engagement initiatives.
• Technical Recruitment: Acted as the primary recruiter for the Hyderabad site, utilizing Keka’s ATS to screen and shortlist Data Scientist candidates based on AI and deep learning competencies.
• Process Improvement: Integrated Generative AI (ChatGPT) into HR workflows to automate the creation of job descriptions and internal FAQs, improving documentation efficiency by 25%.
• Stakeholder Collaboration: Partnered with HR Business Partners (HRBPs) to provide data-backed insights from Keka for strategic workforce planning and RFI/RFP requests.
• Executive & Client Materials: Authored high-impact PowerPoint presentations and client-ready reports for senior leadership, translating complex AI-driven market data into actionable business insights.
• Risk & Compliance Oversight: Leveraged firm policies and risk protocols to conduct data audits, proactively identifying gaps in documentation and ensuring strict adherence to data privacy and confidentiality standards.
• Operational Issue Resolution: Partnered with internal teams (HR, IT, and Finance) to identify and resolve operational bottlenecks, streamlining billing coordination and internal resource allocation.

Data Analysis & Process Optimization

• Monitored and audited survival benefits, maturity, and death claim distributions, utilizing risk-mitigation techniques to resolve high-stakes discrepancies.
• Evaluated high-value financial records and policy data to ensure 100% data integrity and strict adherence to IRDAI regulatory standards.
• Analyzed operational workflows to identify bottlenecks in client onboarding, implementing process improvements that enhanced departmental throughput and reduced turnaround times.

Regulatory Compliance & Risk Assessment

• Managed complex claim adjudications, performing root-cause analysis on disputed cases to ensure accurate settlements via NEFT operations.
• Oversaw policy lifecycles, using data-driven insights to manage renewals and develop strategies that improved client retention rates.
• Performed comprehensive AML (Anti-Money Laundering) screening and Customer Due Diligence (CDD) for a 4-year period, identifying potential risk patterns and safeguarding institutional compliance.

Sales Analytics & Performance Management

• Tracked and analyzed sales metrics for an agency channel, monitoring lead generation trends and conversion rates to ensure consistent target achievement.
• Managed agency payroll data, calculating complex tiered commissions (first-year and renewal) for a team of agents to ensure precise financial disbursements.
• Conducted needs-gap analysis for consultative selling, interpreting client requirements to recommend data-backed insurance solutions.
• Directed agency lifecycle operations, including the strategic onboarding and off-boarding of agents based on performance evaluations and business objectives.
• Process Mapping & Optimization: Evaluated end-to-end client onboarding workflows to identify bottlenecks, implementing streamlined documentation processes that increased operational throughput.
• Stakeholder Management: Acted as a key liaison between agents, clients, and the claims department to resolve high-stakes discrepancies in survival and maturity benefits.
• Requirements Gathering: Conducted in-depth needs-gap analysis to translate complex client requirements into tailored insurance product recommendations.
• Performance Tracking: Monitored and reported on KPIs for the agency channel, tracking lead generation trends and conversion rates to forecast target achievement.
• Retention Analytics: Analyzed policy lifecycle data to identify lapse risks, proactively managing the renewal process to improve institutional retention rates.

Operations & Data Management

• Managed daily financial reconciliations for branch accounts, ensuring 100% accuracy in cash flows and identifying discrepancies through detailed ledger analysis.
• Utilized core banking software (Finacle) to maintain and update sensitive customer records, ensuring data integrity monthly transactions.
• Automated reporting workflows using MS Excel to track branch performance metrics, reducing the time spent on manual month-end reporting by 50%.

Credit Analysis & Risk Mitigation

• Evaluated loan applications by performing comprehensive creditworthiness assessments, analyzing applicant income, debt-to-income ratios, and financial history.
• Conducted initial risk screening for retail asset products, identifying potential red flags and ensuring all applications met internal and regional lending guidelines.
• Prevented potential financial loss by identifying and escalating fraudulent transaction patterns during routine account monitoring.

Regulatory Compliance & Strategy

• Executed KYC (Know Your Customer) and AML (Anti-Money Laundering) protocols for new account openings, maintaining 100% compliance with central and regional banking regulations.
• Analyzed regional market trends to assist the branch manager in identifying growth opportunities for specific savings and investment products.
• Drafted compliance reports and branch audit documentation, ensuring all operational procedures strictly followed institutional risk management frameworks.

Client & Stakeholder Analytics

• Performed needs-gap analysis for high-net-worth (HNI) and retail clients, interpreting financial data to recommend optimal investment and insurance solutions.
• Tracked customer retention data, identifying high-churn segments and implementing targeted engagement strategies that improved regional branch retention