A growth-driven professional with 9+ years of experience, including 4+ years in banking and 4.8 years in the insurance broking industry. Specializing in Credit Risk Analysis, Credit Underwriting, and Credit Project Management, with hands-on expertise in UAT, CMC, AOPM, BRD, and JIRA.
Proven ability to deliver complex credit-related business projects, ensuring compliance and driving operational excellence within the banking sector. Adept at managing risk, streamlining processes, and overseeing financial systems to enhance organizational growth. Strong leadership, problem-solving, and adaptability to meet diverse challenges in a dynamic banking environment.
Overview
10
10
years of professional experience
Work History
Axis Bank Ltd
Credit Risk Analyst/Project Manager, Data Analytic
07.2020 - Current
Roles & Responsibilities:
Credit Underwriting & Risk Assessment: Spearheaded underwriting operations for ETB (Existing to Bank) and NTB (New to Bank) customers, ensuring precise analysis of financial profiles, verification of critical documents (KYC, income proofs, ITRs, etc.), and adherence to policy frameworks. Proactively flagged and escalated potential fraudulent cases to the Risk Containment Unit (RCU).
Channel Management: Efficiently handled credit operations for premier partner channels, including Google, Flipkart, SpiceJet, Freecharge, Bajaj, Airtel, and retail sourcing channels, ensuring seamless policy adherence, accurate credit analysis, and optimal turnaround times.
Project Leadership & Process Automation: Championed strategic system automation initiatives to enhance underwriting efficiency and reduce manual interventions, including surrogate validation, dedupe logic optimization, and digital KYC integration.
Actively participated in end-to-end UATs, BRD reviews, and post-deployment validations for critical projects across platforms like Omniflow, Maximus, Saksham, and Finnone.
Provided actionable insights for system enhancements and policy refinement, aligning with business objectives and regulatory mandates.
Regulatory Compliance & Policy Alignment: Ensured compliance with internal underwriting policies and evolving RBI guidelines, minimizing audit discrepancies and maintaining operational integrity.
Stakeholder Engagement & Collaboration: Effectively liaised with IT teams (Newgen, CTL, ESB), business stakeholders, and process quality teams to identify and resolve production issues, track ongoing developments, and implement innovative solutions.
Operational Excellence: Delivered exceptional results in underwriting tasks, consistently meeting and exceeding quality benchmarks, SLA adherence, and audit standards.
Key Achievements:
Award-Winning Performance: Honored with the Payment Icon Award (2024-25) for outstanding contributions to business growth, operational excellence, and innovative project execution.
Automation Excellence: Led the deployment of Multi-Accounting Automation, eliminating manual interventions and expediting approvals.
Enabled Blaze Output Automation, reducing dependency on underwriter intervention by auto-handling refer/reject cases.
Spearheaded the Health Code Auto-Rejection project, automating the rejection of high-risk profiles at the sourcing stage, enhancing efficiency and resource allocation.
Project Management Success: Directed the successful migration to Newgen IBPS, including infrastructure upgrades, product configurations, and BPM system modernization, significantly improving operational scalability.
Contributed to the addition of high-value partner channels (PhonePe, Paytm, CRED) and niche credit card products (Magnus MasterCard, Axis Shoppers Stop) through meticulous testing and validation.
Fraud Mitigation Expertise: Identified and escalated over 100 fraudulent cases, collaborating with stakeholders to implement robust risk mitigation strategies, safeguarding organizational interests.
Operational Impact: Enhanced STP (Straight Through Processing) efficiency, achieving a 3% increase in processed cases through EKYC/VKYC optimization.
Delivered consistent results in underwriting tasks, maintaining error rates below 0.1%, and frequently exceeded SLA targets.
Recognition & Professional Acumen:
Recognized for demonstrating exceptional analytical capabilities, innovative problem-solving, and a commitment to operational excellence.
Acknowledged by senior leadership for proactively resolving critical production issues, streamlining workflows, and ensuring compliance with business objectives.
Frequently commended for collaborative teamwork, adaptability, and ability to thrive in high-pressure environments.
Tarjani Insurance Broking Pvt Ltd
AM - Operations
10.2017 - 03.2020
Roles & Responsibilities
Policy Management & Documentation: Managed end-to-end insurance operations, including processing policy documents, monitoring policy schedules, and updating policy renewal statuses to ensure timely execution and compliance with company standards. Prepared and reviewed insurance applications and administrative documentation for submission, maintaining accuracy and adherence to regulatory requirements.
Case Management: Provided comprehensive case management for clients’ insurance applications, ensuring seamless processing and resolution of queries by coordinating effectively with insurers, consultants, and service providers.
Operational Strategy Development: Collaborated with senior management to design and implement operational strategies, streamlining workflows to enhance efficiency and align with organizational objectives.
Performance Monitoring: Monitored key performance metrics across internal and external service providers, ensuring adherence to service-level agreements (SLAs) and proactively addressing performance gaps to maintain operational excellence.
Insurance Transactions & Reporting: Conducted detailed fact-finding and follow-ups for generating insurance quotations, endorsements, and client inquiries.
Processed insurance applications, renewals, cancellations, and payments in a timely manner, ensuring a seamless customer experience.
Generated and analyzed premium collection reports to facilitate accurate commission payouts and revenue tracking.
Compliance & Communication: Maintained ongoing communication with insurers, consultants, and service providers to ensure smooth operations and compliance with policies and regulatory standards. Regularly reviewed approvals and notifications to ensure timely decision-making and adherence to guidelines.
Willis Tower Watson
Associate
02.2015 - 03.2017
Roles & Responsibilities:
Daily Work Planning & Team Coordination: Conducted daily work analysis and planned tasks accordingly, effectively distributing responsibilities within the team to ensure seamless workflow and adherence to deadlines.
Client & Insurer Negotiations: Negotiated with various UK-based insurers to secure the most competitive quotes for clients. Recommended optimal insurance providers based on thorough analysis and facilitated the billing process for selected policies.
Documentation & Reporting: Prepared and formatted invoices, drafts, and other critical documents using advanced Word, Excel, and PowerPoint functionalities.
Compiled and analyzed insurance claims reports, ensuring clarity and accuracy for client presentations and internal use.
Renewal Management: Developed detailed renewal questionnaires by interpreting policy wordings and Market Reform Contract (MRC) slips, enabling accurate analysis and estimations to secure the best quotes for clients.
Diverse Business Expertise: Managed insurance processes across various business classes, including Motor Fleet, Marine Cargo, Goods in Transit, Terrorism, Public & Product Liability, Money Stock, Employers Liability, and Reinsurance, showcasing a broad industry knowledge base.
Global Insurer Communication: Liaised with international insurers to negotiate and finalize terms and conditions for policy renewals, ensuring alignment with client needs and compliance with regulatory standards.
Claims & Dispute Resolution: Acted as the primary liaison between clients and insurers to resolve disputes related to claims, premiums, and accounting discrepancies, fostering strong relationships and ensuring client satisfaction.
Premium Calculations & Tax Compliance: Conducted accurate reassessments of premiums based on product value, VAT, and Insurance Premium Tax (IPT).
Verified policy documentation to ensure compliance with client and underwriter clauses.
Invoice Management & Payment Tracking: Maintained comprehensive records of invoices and payments, performing diligent follow-ups to ensure timely clearance and reconciliation.
Workplace Culture Advocacy: Contributed to fostering a “best-in-class” work culture aligned with Willis's values, promoting collaboration, efficiency, and a client-focused approach.
Education
MBA - Finance
University of Mumbai
Mumbai, India
01-2016
Skills
Credit Underwriting & Risk Analysis
KYC Operations & Compliance
Credit Risk Evaluation
Transaction Processing & Quality Management
Performance Management & Reporting
Data Analytics & Proficiency in MS Office
Customer Relationship & Communication Skills
Operational & Process Management
Leadership & Team Management
Financial Analysis & Reporting
General Banking Knowledge
Risk Management & Fraud Prevention
Languages
Very Good,4,Excellent,5,Excellent,5,Good,3,Excellent,5