Manager Sales

PRERNA KHEMKA

***** ***** **** #***, *********, OH 44122

Cell 540-***-****, abm2r4@r.postjobfree.com

Entrepreneurial, Smart and Enthusiastic Global Marketing/Finance Executive

QUALIFICATIONS SUMMARY

Results-driven marketing and finance executive with a successful track

record of managing large portfolios and business lines. My biggest

strengths are analytical thinking, problem solving, inter-personal

relationships, entrepreneurial thinking and above all, an extensive

global work/life experience. Looking for a position which requires all

round business expertise - finance, marketing, strategy, research &

analysis, business development, portfolio management and client

relationship management. Having lived, studied and worked in both India

and USA, I would be an ideal candidate for projects requiring the highest

degree of communication skills, understanding of cultural differences,

presence of mind and professionalism.

PROFESSIONAL EXPERIENCE

Loss Mitigation Manager, Consumer Lending

2009 - Present

National City Bank now part of PNC

Cleveland, OH

Loss Mitigation Manager for consumer lending (mortgage, home equity and

credit cards)

. Own ALL marketing efforts to reduce charge offs on delinquent and risk

on pre-delinquent customers

. Responsible for the Consumer Bank's overall customer-contact strategy

on loss mitigation

. Currently leading a large multi-channel credit card collections

project (ATM, email, website, online banking, direct mail offers, in-

branch advertising) aimed at reducing $50-$100mm annually in losses.

. Conduct market research to understand this 'new delinquent consumer'

as well as the competition

. Launched hugely successful direct mail, interactive and in-branch

campaigns for Home Equity and Mortgage consumer - 20% response rate

vs. 3-5% expected

. Pivotal in launching Credit Card Customer Care Unit for pre-delinquent

customers

Portfolio Manager, Commercial & Institutional Lending Products

2008-2009

National City Bank

Cleveland, OH

Product Manager, Corporate Loan Products ($5- $25mm) for middle market

and large corporate segment.

. Drive competitiveness and profitability by managing key drivers such

as product, pricing and process.

. Responsible for managing portfolio risk and identifying opportunities

for increasing revenue.

. CONTRIBUTION: Fee Diagnostic to increase loan fee income on loan

portfolio by $1mm month.

Product Manager 2007-2008

Masco Retail Cabinet Group

Middlefield, OH

Management and marketing of three product lines of all 'Value' framed

Kitchen Cabinet brands (Annual Sales $150 mm) at varying stages of their

product life cycles

. Defined, developed and led a $200mm new product idea (64,000 SKU) from

concept to market launch in eight months.

. Increased business of two existing product lines by $50 mm through

store expansion (Developed the competitive analysis and the sales

pitch and led the market launch project).

. Concluded feasibility study to evaluate two new product concepts for

new markets; 2009 launch to increase revenue of platform by $40mm.

. Led a quality improvement initiative that reduced product damage

due to shipping & handling by 30%.

Product Manager 2006 - 2007

American Woodmark Corporation

Winchester, VA

Management of Timberlake - a $300MM kitchen cabinet brand. Managed cross

functional teams and collaborated with marketing, manufacturing,

research, engineering and sales to achieve common goals.

. Led the new product development process from concept to launch

. Led all product change projects to improve quality,

competitiveness, and cost savings.

. Created and implemented a model that identified and discontinued slow

moving/obsolete SKUs thereby freeing up plant space for manufacturing

new products.

. Supported the 150+ Timberlake sales force on product related

inquires and training.

Business Consultant Internship

Summer 2005

Business Technology Center

Blacksburg, Virginia

Consultant of Business Technology Center (Initiative by Virginia Tech

that provided consulting services to small businesses) at a small

educational software firm

. Identified market segments, current market trends and desirable

product features.

. Developed a pricing framework based on competitive analysis and

market feedback.

FINANCIAL ANALYST 2003- 2004

First Community Bank

Bluefield, VA

. Created monthly financial and monthly loan margin reports of the

bank's mortgage lending subsidiary

. Developed a costing model to calculate the bank's standard cost of

selling loans which resulted in a 100% increase over the previous

estimated cost and doubled the realizable income at point of sale.

EDUCATION & INTERESTS

. M.B.A.-Marketing & Global Business, G.P.A - 3.7; Virginia Tech,

Blacksburg, Virginia (2006)

. B.S.-Finance, Concord University, G.P.A - 4.0; Athens, West Virginia

(2003)

ACTIVITIES & INTERESTS

. Current: Fundraising Chair for 'ASHA' for education; work with third

world country refugees in Cleveland, Registered Yoga Teacher;

'Championing' recycling efforts in the city of Beachwood, OH

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