P K GOPIKA

[email protected] • +91-9980778456 • Bangalore, Karnataka

PROFESSIONAL SUMMARY

Results-driven finance professional with over 5 years of expertise in Credit Risk Analysis, Debt Management, and Financial Operations Adept at evaluating creditworthiness, conducting financial analysis, and ensuring regulatory compliance while optimizing processes to enhance operational efficiency Skilled in customer relationship management (CRM), KYC, payment processing, and compliance management, with a strong track record of reducing default rates, streamlining financial operations, and driving data-driven decision-making Proficient in financial modelling, market research, and strategic planning, with a commitment to delivering measurable results in high-stakes financial environments

WORK EXPERIENCE

Credit Analyst, UK Market
08/2024 - Present
HSBC , Bengaluru
• Assessing creditworthiness of individuals and corporates through financial analysis and risk evaluation
• Delivering actionable credit risk reports, influencing loan approvals & credit limits
• Ensuring regulatory compliance by coordinating with underwriters and Relationship Managers
• Monitoring accounts to detect early signs of default and negotiated payment plans for high-risk clients
• Approving disbursements and credit facilities, ensuring accurate documentation and compliance
• Streamlining payment processing in collaboration with operations teams, maintaining SLA adherence
• Maintaining 100% compliance with regulatory and internal policies through close collaboration with stakeholders
• Identifying early warning signs of credit defaults, and implementing proactive risk mitigation strategies
• Negotiating payment schedules for high-risk accounts, reducing default rates and strengthening portfolio health
Client Operations Associate
06/2022 - 08/2024
HSBC , Bengaluru
• Supported global clients (US, UK, India & Singapore) in the successful adoption of digital banking platforms
• Delivered exceptional multi-channel customer service, and enhanced client satisfaction and retention
• Streamlined daily operations, ensuring timely task execution and policy compliance
• Maintained CRM accuracy, supporting regulatory standards and data integrity
• Facilitated smooth client onboarding through training and product support
• Mentored new team members, promoting collaborative & high-performing work culture
• Optimized payment processing by streamlining coordination with Relationship Managers and operations team
• Ensured adherence to SLAs, improved turnaround times & operational efficiency
Deputy Manager (Debt Department)
10/2020 - 03/2022
ICICI Bank Pvt Ltd. , Kerala
• Led a high-performing debt collections team, optimizing daily operations and boosting productivity
• Ensured full compliance with debt collection laws, preventing disputes and maintaining a flawless legal record
• Led the debt collection team, set targets, monitored performance, and drove daily operations to meet recovery goals
• Conducted regular feedback and mentoring sessions for agencies, resolving customer issues and enhancing team efficiency
• Ensured full compliance with debt collection laws and company policies, and maintained a zero-dispute compliance record
• Presented weekly performance reports to senior management, highlighted KPIs like recovery rates and outstanding balances
• Maintained detailed documentation of all collection activities, ensuring audit readiness and process transparency
• Streamlining client onboarding by providing training and support, driving product adoption and customer retention

EDUCATION

PGDM (BFSI & Marketing)
01/2020
MS Ramaiah Institute of Management , Bangalore, Karnataka
Bachelor of Business Management
01/2018
St Aloysius College , Mangalore, Karnataka

SKILLS