Aastha Gupta

[email protected] • +91 7982278958 • Noida 201301

PROFESSIONAL SUMMARY

Accomplished banking professional with extensive experience at HDFC Bank, specializing in Lending Operations and Team Leadership. Achieved a 25% increase in repeat business and a 15% reduction in operational expenses, showcasing expertise in efficiency and client relationship management. Proficient in KYC Compliance and project management, dedicated to fostering continuous improvement and operational excellence.

WORK EXPERIENCE

Rating Analyst
01/2025 - Present
HDFC BANK LTD , Noida
• Ability to read CAM and understand financial products completely
• Ability to take appropriate rating decisions independently with confidence, clarity, proper justification and with minimum guidance
• Support Main RA to close ratings at a timely manner by analysing borrower complete information about risk parameters
• Highlights all the key rating drivers and gives clear and key rating monitor ables in rationale
• Ability to articulate the rating decision effectively to RMs and achieve the closure of ratings at analyst level Quality of Rating rationale
• Support initiatives -For the team
• Ad-Hoc Projects: Support work related to follow up with business teams for pending rating initiations, Supporting back end initiations, ensure Zero Pendency
• Attending periodic trainings and execute other ad-hoc tasks assigned post such trainings
• Contributing to Analytical projects: floated time to time by team seniors etc
• Timely completion HR Training Programs/Learning hrs
Authorizer- RLO (Manager)
12/2023 - Present
HDFC Bank , Noida
• Handled collection and LC bill payments efficiently
• Managed endorsement activities to enhance brand visibility and recognition
• Executed bill of entry processing and closed SFMS entries with precision
• Tracked pending items to ensure compliance with regulations
• Executed LCBD transactions seamlessly
• Managed amendments in LCs
• LC Advising
• Executed bill liquidation efficiently
• Recorded and maintained LC documentation efficiently
• Facilitated lodgments, acceptance, and payment for LC and collection bills
• Maintained precise control and monitoring of all transactions at desk with full accountability
• Managed inland trade transactions involving invoice discounting and purchase order financing
• Handled invoice bookings, ensuring all entries were correct in financial records
• Verified all documentation to meet buyer's credit requirements
• Managed the discounting process for documents under LCs
• Tackled complicated client issues, ensuring superior customer satisfaction
Operation Manager (Deputy Manager)
07/2015 - 04/2020
ICICI Bank , Noida
• Efficiently processed new account documents in line with prescribed banking standards
• Facilitated authorization processes of C-KYC and Re-KYC for clients with deafness
• Reviewed and confirmed documentation of ongoing account holders
• Supervised team responsible for cheque book dispatch services
• Processed client authorizations with precision under RLO management duties
• Managed vault operations and authorized RLO
• Supervised authorization of Signature Cards
• Monitored timely completion of KYC documents within 7-day window
• Optimized resource deployment to maintain quality standards and achieve timely outcomes
• Drafted business contracts, secured signatures, processed paperwork
• Facilitated interdepartmental meetings improving overall collaboration
• Executed strategic plans to enhance resource utilization in administrative services
• Strengthened client relationships, increasing repeat business by 25%
• Cultivated relationships with key clients, leading to a 25% boost in repeat business
• Delivered presentations at conferences to establish company's leadership position
• Executed cost-saving strategies, achieving a 15% reduction in operational expenses within two years
• Facilitated seamless communication with vendors and business continuity partners for process-related resolutions
• Identified improvement opportunities during routine tasks
• Managed credit balance, conversion, and part-payment procedures effectively
• Collaborated with customers using email communication and reference numbers to track cases
• Led team operations by effectively handling high-level escalations
• Handled customer inquiries, answered questions, and resolved problems in a timely manner
• Printing of cheques
Collection Backend (Executive)
05/2020 - 01/2021
ICICI Bank Ltd , Noida
• Established efficient communication channels to support team collaboration
• Entered comprehensive data regarding collection actions into billing system
• Developed and maintained end-to-end tracking for improved client service
• Methodically examine customer accounts and documents
Deputy Manager (Credit Operation Manager)
01/2022 - 05/2023
ICICI Bank Ltd , Noida
• Managed correspondence with collection agencies
• Resolved customer inquiries regarding account status
• Facilitated clear and consistent work-related interactions within the team

EDUCATION

MBA: Data Analytics And Operations
01/2025
NMIMS , MUMBAI
Post Graduate Diploma in Banking Operations
07/2015 - 07/2015
NIIT IFBI , NEW DELHI
B. Com Programme
01/2013 - 01/2013
Ramanujan College , Delhi

SKILLS

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