Subhashree Sahu

Currently, spearheading a Team for delivering followings for South Zone, BoB:

Loan Portfolio Performance & Risk management Project

● Prepare account performance DataMart by cleaning, processing and transforming data from the data warehouse using SQL/SAS and Python to prevent slippages using various BAU reports to understand loan portfolio performance and associated risk.

● Improving Asset Quality by reducing SMA portfolio resulting from financial stress and Technical reasons by providing reports and analysis using SQL/SAS and Python.

● Analyzing and improving collection efficiency, monitoring and analyzing data to recover NPA accounts that have slipped during the current fiscal year. Also, formulating strategies for collection process to maximize receivables and avoid charge-offs.

● Design a collection strategy based on customer payment propensity, focus on high-risk customers while giving low-risk customers more time, resulting in higher collections with a better customer experience at lower cost.

● Monitoring early warning signals and presenting findings.

● Periodically submitting CRILIC reports (i.e. Central Repository of Information on large Credits), reviewing all high value accounts.

● Supporting external statutory as well as Risk Based Internal Audits, submitting various certificates using SAS.

Generate monthly reporting on account performance, and collections using Excel and Power BI to create business insights in storytelling dashboards.
● Use advanced analytics (regression, segmentation) to predict customer behavior and develop strategies to retain, engage and develop customer portfolio.

● Working Together with Cross Functional leaders /Teams to meet Organization Goal.

Manager at Vijaya Bank – 2012 - 2019

My Roles & Responsibilities included,

• Analysis and monitoring of credit performance at the Regional Office & Head Office, reviewing high value loan accounts and submitting periodic reports to the higher authorities including Board of Directors.
• Assisting in formulation of recovery policies and schemes, preventing slippages by monitoring and sharing reports with Regional Offices and Branches, facilitating one-time settlement of NPA borrowers. Working with external and internal auditors for smooth completion of audits.

My Role & Responsibility included

Handling majority of Banking Operations like SB/CA/FD account openings, daily Banking Hall management, KYC Updates and processing secured advances with compliance and precision.