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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