Professional Experience

Business Intelligence Analyst - State Bank of India

June 2021 - January 2023

Leveraged advanced CRM analytics and Power BI dashboards to drive data-driven marketing decisions, resulting in 34% increase in personal loan penetration and 23% higher conversion rates in investment products, while reducing weekly reporting time by 6 hours.
Spearheaded sentiment analysis implementation across multiple customer touchpoints (Twitter, Google Reviews, complaints, emails) in Hyderabad Circle, resulting in 21% increase in customer satisfaction through data-driven service improvements and bottleneck elimination.
Orchestrated cross-functional collaboration between product development, IT, and sales teams to optimize YONO digital lending suite, including innovative Retail Xpress Credit (RTXC) and Pre-Approved Business Loans for Small Enterprises.
Developed comprehensive data analytics reports on retail assets penetration post-launch of YONO digital products, including Pre-Approved Personal Loans and Pension Loans, enabling strategic decision-making for product enhancement.
Contributed to regulatory compliance monitoring through data analytics, utilizing the Off-site Transaction Monitoring System (OTMS) to analyze transactions against 45 predefined compliance scenarios and flag inconsistencies for corrective action.

Technical Details:

Utilized SQL and IBM Cognos Analytics for complex data extraction and analysis across banking databases, specializing in retail liability products monitoring and customer segmentation.
Created interactive dashboards using Power BI and integrated CRMNext data for comprehensive customer insights and product performance tracking.
Leveraged OTMS (Off-site Transaction Monitoring System) for analyzing transaction patterns and monitoring compliance scenarios in savings accounts.
Developed automated reporting solutions using Excel and Power BI for daily, weekly, and monthly business metrics visualization, significantly improving reporting efficiency.
Implemented data validation processes and quality checks using IBM SPSS Statistics for accurate trend analysis and forecasting.

Key Learnings:

Mastered banking analytics tools (IBM Cognos, Power BI, CRMNext) and developed expertise in extracting actionable insights from complex financial datasets, directly contributing to business growth initiatives.
Gained comprehensive understanding of retail banking operations and regulatory compliance frameworks, particularly in transaction monitoring and customer data analysis.
Enhanced data visualization and reporting capabilities, creating impactful presentations that effectively communicate complex financial insights to diverse stakeholders.
Developed strong expertise in integrating multiple data sources and creating automated reporting solutions, significantly improving operational efficiency and decision-making processes.

Manager, Branch & Risk Operations - State Bank of India

January 2019 - June 2021

Managed a mid-sized urban branch with a team of 20 members and grew branch asset portfolio from $1.8B to $2.5B through data-driven customer segmentation and targeted marketing strategies.
Leveraged data analytics to increase branch deposits by 40% year-over-year (from $1.2B to $1.68B).
Improved customer satisfaction scores from 3.5 to 4.2 out of 5 while maintaining operations during the COVID-19 pandemic.
Maintained and grew a diverse retail asset portfolio, including home loans, car loans, personal loans, and gold loans, ensuring a balanced and profitable mix of lending products.

Additional Responsibilities:

Managed liability portfolio including salary accounts, police department accounts, municipal corporation accounts, pension accounts, and savings accounts. Focused on retail lending where we catered to the needs of retail customers in Car Loans, Personal Loans, Gold Loans and Home Loans.

Key Learnings:

Mastered crisis management during the COVID-19 pandemic, developing innovative solutions to maintain branch operations while prioritizing staff safety and customer service. This experience honed my adaptability and decision-making skills under pressure.
Developed a deep understanding of the importance of relationship banking, learning to cultivate strong connections with diverse customer segments, from individual savers to large corporate accounts. This skill proved invaluable in driving business growth and customer loyalty.
Refined the art of prioritization and delegation in a high-pressure environment, managing up to 500 customer interactions daily. This experience taught me to maintain composure and make swift, effective decisions while ensuring optimal team performance.
Gained profound insights into balancing customer satisfaction with business priorities, learning to align genuine customer needs with organizational goals. This experience shaped my customer-centric approach to business strategy and operations.

Credit Analyst - State Bank of India

January 2016 - December 2018

Implemented Excel-based trend analysis for proactive stressed assets account management, reducing non-performing assets from $80M to $53M.
Managed liability portfolio of treasury accounts for local government offices, education department salary accounts, police department salary accounts and municipal organization accounts.
In the assets portfolio, catered to the needs of the downtrodden rural people through implementation of government schemes like PM Jan Dhan Yojana and Sukanya Samriddhi Scheme.
Oversaw the growth and performance of retail asset products, tailoring marketing strategies to local demographics and economic conditions.
Analyzed loan applications for rural and priority sector lending, assessing creditworthiness and risk profiles of applicants.
Conducted financial analysis of small businesses and agricultural enterprises, recommending appropriate lending solutions.

Key Learnings:

Gained deep insights into rural economics and the unique financial needs of priority sectors.
Developed a strong foundation in credit risk assessment and financial analysis, particularly for non-traditional borrowers.
Enhanced understanding of government financial inclusion initiatives and their implementation at the grassroots level.

Assistant Manager - State Bank of India

December 2013 - January 2016

Managed comprehensive foreign exchange operations, executing financial instruments while ensuring strict compliance with FFMC and RBI guidelines.
Conducted thorough customer due diligence and maintained meticulous documentation for regulatory audits.
Built strategic client relationships that resulted in 19% growth in foreign exchange sales revenue through personalized solutions and efficient issue resolution.
Streamlined foreign exchange processes and implemented robust documentation systems to ensure regulatory compliance.
Provided personalized financial solutions to diverse clientele while maintaining strict adherence to banking protocols.

Key Learnings:

Acquired expertise in regulatory compliance and risk management within the financial sector.
Developed strong relationship management skills and ability to drive business growth through customer-centric solutions.
Enhanced proficiency in financial operations and documentation management while maintaining strict regulatory standards.
Gained deep understanding of foreign exchange markets and financial instruments.
Developed analytical skills in assessing market trends and customer needs to provide optimal financial solutions.