SAGARIKA KAR

Mobile : +919********* / +919*********

Email: ac9hzb@r.postjobfree.com

Finance professional with an overall experience of 14 years, of which over 9 years is in Business Analysis & over 5 yrs experience in credit function, managing credit underwriting, credit training and operations across different products.

Strong leader with motivational management style with a reputation for building & maintaining highly motivated teams, channel partners & agencies.

Result-oriented achiever with excellent track record for identifying opportunities for accelerated growth.

Core Competencies

Fund Administration · Strategic Management · Stock Analysis · Operations/ Branch Management · Customer Servicing · Relationship Management · Portfolio Management · Business Development

Organisational Experience

July 2009-Asst. Manager to Business Head-Vodafone Mobile Services, Bhubaneswar

Collaborate with business partners to analyse and understand business problem and needs.

Leverage thorough understanding of business and system processes to make recommendations and propose technical/non-technical solutions to meet business requirements

Document current and future state business process

Facilitate requirements gathering sessions with business stakeholders and key technical resources.

Responsible for heavy calendar management, interaction with both internal and external executives and assistants, as well as consultants, coordinate a variety of complex executive meetings

Presentation Preparation for monthly review and summarize U-VISION,CPOS & SOGA reports.

Arrange travel schedule and reservations for executive management as needed.

Work closely with CS for the resolution of HNI customer issue within the TAT

SAP-Tracking & approval of indents and bill-processing, by coordinating between various departments

Jan 2004 to Jan 2009- (5 yrs)-Branch Manager- CITIFINANCIAL CONSUMER FINANCE INDIA LTD. Bhubaneswar

Responsible for Branch Operations & monitoring of Credit underwriting quality of Branch for all products PL,CD and TW

Ensuring adherence to credit process in loan sanction

Credit analysis and underwriting of loan applications of Personal Loans.

Ensuring maintenance of TAT in all steps of the credit process

Analysis of nonstarters, Write offs and sharing the finding with sales and collections thereby arriving at the requisite checks to be implemented to improve portfolio quality.

Manage and monitor the performance of the credit vendors month on month.

Vendor management -ensuring adherence of vendors to policy and compliance requirements, service quality monitoring and timely clearance of dues

Identifying the training needs of credit officers, on roll sales personnel and canvassers

Training credit officers, sales officers, DSTs, CPA staffs and all new joinees on the company’s credit policy. Ensuring file quality maintenance by sample checking and reporting

Feb 03-Dec 03-HDFC Bank Ltd,Bhubaneswar as Lobby Sales Officer

Marketing and generating referrals for CASA, Demat account and other banking products. The job profile aimed at enriching existing relationship with customers through cross selling of different bank products through Direct Banking channels. Thus retaining existing customers, increasing sales of different bank products and thus increase revenues by increasing movements of products.

The various ways to retain existing customers and enhancing the use of Direct Banking Channels was existing relationship harnessing and working on referrals. Customers were guided about the proper way to invest and the different methods of trading

Oct’02 to Jan’03 with NIIT, Bhubaneswar as Programme coordinator

The responsibility included supporting the centres by devising, strategizing and implementing various business development plans. Supporting business by ensuring proper demand in market by better awareness and product exposure and hence healthy flow of students in system. Supporting running of various courses by recruitment of people for imparting training.

Various Business Development Plans included planning and implementation of product campaigns for better establishment of the brand and ensure brand recall and franchise development.

EDUCATIONAL CREDENTIALS

M.B.A. (Marketing)

Master’s in Business Administration from Utkal University, 2002

B.Sc. – Microbiology (Hons)

Bachelor of Science (Hons) Microbiology from Osmania University with 1st Division.

E-com-APTECH, 2002 with distinction

Technical Skills: MS Office and Internet

On JOB TRAINING

Training on Banking Guidelines, Anti-Money Laundering, Bank Security and Compliance.

Asia Pacific Branch Manager Workshop conducted by CitiFinancial

Safety Officer & BSSA Training conducted by Citigroup. Certificate awarded for successful completion.

Training on Reviewing Performance conducted through e-learning by Vodafone Spacetel Limited. Silver Certificate Awarded.

Personal Details

Address (Permanent): Flat No.-C-403,

Damayanti Appt.,

Behera Sahi, Nayapalli,

Bhubaneswar – 12.

Date of Birth : 2nd Jan ’1979

Passport No. : F8764795

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