Digital Marketing Financial Analysis

*

VAISHNAV PALANGADAN

+1-510-***-**** ************@*****.*** linkedin.com/in/vaishnav-p-1922a9121/ Summery

A tenacious MBA Finance Management and Healthcare Management professional, with 6 years of experience in Business Risk Operations and Compliance with expertise in Financial Analysis, Accounting, Investment Management, Wealth Planning, Financial Forecasting, Digital Marketing, US corporate insurance, Work Force Management (both Non-Voice and Voice operations), Client Servicing and Team Management. Work Experience

Bread Financial Columbus, Ohio Bangalore, IN

Process Analyst (Collections, Hardships) May 2021 – July 2024

• Ensured strict adherence to banking regulations and compliance standards to mitigate risk and maintain regulatory compliance

• Ensured compliance with fair lending practices to ensure all customers were treated equitably in credit-related decisions, adhering to regulations such as the [Equal Credit Opportunity Act (ECOA)] to promote fair and inclusive lending practices

• Acted as first point of contact for the respective team managers and department heads from onshore.

• Managed the performance parameters within the team at individual levels to meet and exceed the SLA parameters.

• Developed and managed insightful Microsoft PowerBI and Tableau dashboards to track key metrics and inform strategic decision-making.

• Conducted in-depth financial analysis, including yield, ROA, MOIC, and WAL calculations, to support strategic investment decisions

• Streamlined processes, such as the customer hardship application process, resulting in significant efficiency gains.

• Utilized advanced data analysis techniques to identify trends, patterns, and opportunities for improvement

• Provided strategic financial advice to key stakeholders, including sales teams and senior management.

• Assisted senior leadership in preparing materials for executive readouts and business reviews

• Demonstrated strong analytical skills combined with strategic thinking to address complex business challenges and identify opportunities.

• Performed analyses on financial and operational performance, including productivity, operational statistics, cost trends, and revenue trends.

• Worked closely with various teams, including sales, marketing, IT, and finance, to achieve business objectives.

Gallagher Service Center LLP (Subsidiary of Arthur James Gallager & Co – Illinois, Chicago Bangalore, IN

Process Analyst (Interims, Issuance) November 2018– April 2021

• Ensured adherence to established policies and procedures, contributing to streamlined operations and improved efficiency.

• Analyzed large volumes of data to identify trends, anomalies, and potential risks, enabling data-driven decision-making.

• Ensured the accuracy and completeness of insurance certificates, minimizing errors and mitigating potential liabilities.

• Provided excellent customer service to corporate clients, resolving inquiries and addressing concerns promptly and professionally.

• Collaborated with various stakeholders, including underwriters, claims adjusters, and IT teams, to ensure smooth operations and achieve business objectives.

• Worked closely with all the Support Functions to ensure all laid down policies & processes are followed.

• Effectively coordinated with clients to deliver and manage operational metrics, fostering strong relationships and ensuring customer satisfaction.

2

• Implemented initiatives to enhance service delivery quality and efficiency, leading to quantifiable improvements, e.g., reduced error rates, increased customer satisfaction.

• Prepared detailed production reports and assisted US-based corporate clients with business requirements within the TAT.

• Identified and implemented process improvements to streamline the insurance certificate issuance process, reducing turnaround time and increasing efficiency. Bonanza Portfolio Ltd, Bangalore

Financial Advisor January 2018 – October 2018

• Analyzed Funds and Investments products for HNIs.

• Provided personalized financial planning and investment advice.

• Conducted financial needs assessments to identify risk tolerance.

• Executed buy and sell orders from various finanacial instruments (Stock, Bonds, Mutual Funds, ETFs)

• Adhered to regulatory compliance requirements and Industry best practices. Fone4 Communication LTD, Bangalore

Accounts Manager August 2017 – December 2017

• Prepared financial reports and analysed financial data.

• Processed invoice and payments.

• Assisted with project planning, implementation and tracking.

• Monitored project budget and resources.

• Analysed sales data and provided insights for improvements.

• Proactively identified opportunities to improve processes and increase efficiency in rebate calculations and reporting.

Awards

• Top performer award for 8 times from the department, Spot light award 11 times from the department

• Quarterly awards and Star performer within various departments Education

Bangalore University, Bangalore, India

MBA in Finance Management & Healthcare Management CGPA: 6.85/7.0 June 2017 Kannur University, Cannanore, India

Bachelor of Commerce in Co-operative accounting and legislation May 2015 Certificates

SAP FI-CO, Advanced Excel, Digital marketing foundation, SQL - Foundation, Sig Sigma Black belt, Project Management – Foundation, Cloud computing fundamentals Skills

Financial Analysis, Process Mapping & Modelling, Data Analysis, Business Process Improvement (BPI), Investment analysis, Project Management, Change Management, Compliance management and Quality management

Research Projects

1. A study on service quality on patient’s loyalty in an emerging competitive scenario with respect to Aster CMI hospital.

Aster CMI Hospital, Bangalore November 2016 – January 2017 2. A study on job satisfaction of employees with special respect to KVR DREAM VEHICLES PVT Ltd, Kannur, Kerala

3

KVR dream vehicles Pvt Ltd, Kannur, Kerala March 2015 – April 2015 References

1. Thimmaiah P S, *********.**@**************.*** Team lead, Operation, Collections 2. *********.**@**************.***, Operations Manager, Collections 3. Ethan Henkle, Bussiness risk and controls advisor, Bread Financial, *****.******@**************.*** 4. Mechelle Davis, Senior Supervisor - Harships Collection, Bread Financial *****.********@**************.***

Contact this candidate