SUNITA SHINDE.

CURRICULUM VITAE

Address: Flat no. 803, 8th Floor,

The Residency, Near Vijay Gardens,
Palm Road, Kavesar,
Ghodbunder Road, Thane (W),
Thane 400614.

Contact Details: Mob: 9819293799/ Landline: 022-25790790

Email: sunita.kharatmal@gmail.com

Nationality: Indian

Status: Married

Educational Details:

DEGREE / COURSES FIELD PASSING YEAR GRADE UNIVERSITY BOARD

GRADUATION SCIENCE 1999 Ist CLASS MUMBAI UNIVERSITY

HSC SCIENCE 1996 IInd CLASS MUMBAI BOARD

SSC SCIENCE 1994 Ist CLASS MUMBAI BOARD

SIX SIGMA CERTIFIED GREEN BELT 2004 A GRADE NIS SPARTA INSITUTUE

Certified in Six Sigma (Green Belt), during the course of employment with JP Morgan
Chase-Credit CardProcessfrom Bucket 1 to 3 on overdue collection.

Overall Job Experience:

Overall, work experience since year-2000 (10 years).

Banking Experience 7 years.
Non Banking Related Experience (BPO) 4 years.

Banking Experience Details:- (MNC Banks)

- JP Morgan Chase - Credit Card (Customer Service) & Skip Tracking. The
process of collection was outsourced in Mumbai, India and was employed on
outsourced companys payroll (Work Tenure 3years)

-HSBC Ltd Hong Kong Shanghai Banking Corporation Ltd,-Was

working as Assistant Manager (AM) Credit Control for Small Medium
Entrepreneur (SME), Factoring & Receivable Finance Department,
Commercial Banking CMB, (More than 2.3 years).

ING Vysya Bank Ltd (IVBL) Last work experience as Portfolio Manager
Service in Business Banking Department. Handling portfolio for Small
 Medium Entrepreneur (SME) pertaining to Working Capital Finance and
other Trade related Finance since Dec2010.

(Local Banks)

ICICI Credit Cards(Top 32 cities in West Region & EMCT) & Consumer
Finance (Auto, Home loan, Car Loan) collections under Adventity Pvt Ltd
Payroll.

Last Work Experience: -Worked as Relationship Manager Portfolio Management

(Service) since Dec2010 for SME sector till September 2011 in ING Vysya Bank Ltd in
BKC Branch.

Products: Cash Credit, Secured Overdraft, LEF (loan equivalent factor), Term Loan, Foreign Letter of
Credit, Post Shipment, PCFC, etc.

Ticket size: Upto 2 crores

Regions Handled: Western region
Job Role:- Servicing / Sourcing / Operational.

Job Responsibilities;

Having minimum 3 NTB in a quarter or 3 enhancement disbursed in the quarter, review &
renewal to be completed before the due dates,
Managing the Risk part involved in the portfolio pertaining financials, operational etc,
Monitoring accounts for low churn and seeking explanation for the same from the
customers,
Co-ordination with Regional Head and Credit Management for adherence of compliance as
stated in the Banks circular for any specific product,
Maintaining healthy relationship with the customer to cater all the requirements
Visiting clients manufacturing units and their offices to capture the module of the business
during the annual review and renewals.
Ensuring adherence of all the covenants as stated in the sanctioned letter to avoid limits
defreeze.
Responding to the queries raised by the Credit Team on the conduct of the account since
inception with appropriate details.
Constant follow ups with the client for submission of various documents to fulfill the
products requirement as specified by Credit team.
Liasing with the operations team for on time disbursement
Liasing with the Regional Legal Team to seek legal advice on creation of mortgage for loan
against property products
Execution of EQM documents and facility related documents during enhancement, plain
renewal and during sourcing.
Drafting proposal related to facility customer is availing and seeking recommendations
from RH PM for approvals in conjoint with CRM.
Assisting the client for getting the stocks and mortgaged property insured from our
insurance company.
Monitoring clients accounts for any irregularities like diversion of funds, non closure of
other Banks accounts as specified in sanctioned letter, cheque returns, low utilization etc.
 Ensure Welcome calls / Debt verification coverage to all the new facility sanctioned by the
Bank with the newly launched and enhanced limit customers.

Prior to IVBL was working as AM Risk / Credit Control, for more than 2 years
in HSBC Ltd.

The Job description is as follows.

Product - Factoring
Ticket size- Upto 5 crores
Regions Handled- West & North
Job Role- Risk / Credit Control (includes Operations / Risk / Client relationship)

Job Responsibilities
Control Measures;
Ensure Welcome calls / Debt verification coverage to all the new facility sanctioned by the
Bank with the newly launched and enhanced limit customers,
Monthly review & revise the service quality benchmarks / monthly quality meeting to ensure
regulatory circulars are adhered,
Vendor management for collections / client verifications activities, constant visits to Agencies to
track the collection target and control the delinquencies.
Following the AML Anti Money Laundering guidelines to avoid financial loss,
Scrutinizing and Escalating all Early warning / Riskencountered in the portfolio
Providing trading pattern feedback of the supplier and buyers account conducts to the
supporting department during the review of the account.
Reinstating the temporary suspension on the accounts whenever triggered
Operational Risk Maintain Banks internal control standards including timely
implementation,
Internal & External audit points together with any issues raised by Regulators.
Liasing with Insurance companies for raising & recovering the claims on NPA accounts.
Responding to the queries raised by the Credit Team on the conduct of the account since
inception with appropriate details.

Customer Service & business;

To monitor entire overdue portfolio & to define collection strategies on a case to case basis
for all stress, NPA Non Performing Assets and write off accounts under immediate Manager
- Assistant Vice Presidents guidance.
Generate early warning signals during the Overdue / Debt Verification / Welcome Call to
NTB (New to Business) case & escalate the same as per the escalation matrix for on time
resolution with no revenue loss to Portfolio - SME.
Daily interaction with the client and their customer to management the account good
status,
To understand & confirm the performance measuring indicators from line Manager on case
to case basis.

Improve MIS support to internal customers;

To maintain Debt Verification, Early Warning & Reconciliation of Debts MIS

45+ Overpaid / Overdue in Domestic and Export Cases reports respectively with
qualitative and constructive strategy, reporting to CRM Credit Risk Management in India
and Hong Kong
To monitor the feedback / updates on overdue & interest cases maintained by the TCOs
every week in Portfolio application IFAI & report the overall efficiency to AVP.
Improve operational workflows and processes;

To introduce new process / revised process for improving quality & quantity of work i.e
overdue advising to customers.
Assisting the internal software engineers on mission testing to implement the new
application to enhance process improvements, also worked on six sigma project with my
seniors to increase associates performance efficiency my tracking the application database
and rolling out the developments and areas of opportunity. Was responsible for
redesigning the quality control team for 100% compliance adherence to avoid operational
and financial risk factor.
Ensure a system to monitor operating risk and record operating loses is implemented as
per the Bank's Internal Standard
Regular audit on the quality control team to ensure adherence of the parameters.

PAST EXPERIENCES:

1) Was employed with ICICI Bank outsourced process for All India collection at
Adventity BPO Pvt Ltd in Thane as Team Leader for more than 1 year.

Job Responsibilities;

Portfolio includes Secured collection in AUTO / HOME / PERSONAL / COMMERCIAL VEHICAL,

TWO WHEELER AND SMALL BUSINESS LOANS from all over India. Job includes closing with
minimum roll forward as assigned by the clients from ICICI bank.

Referral data handled in effect to convert them to resolved accounts and given a
minimumconversion
rate of 35% resolutions.
Handling PU agencies overall state or location wise in order to monitor the state PU
resolution against
the various the others with same targets allocated,
Target roll forward given 15%, Achieved roll forward 12 to 13% achieved for months
with low ticket
Personal loans with Account size of 12,000 and less.
Targets roll forward given 6.5%, Achieved roll forward 7.00 to 7.50% for last consecutive
months with two wheeler loans. Coordination with the Agencies on day-to-day basis to
monitor the conversion rate or percentage of the promises received during collection calls.
Assigning team member voluntary for payment collection in close by areas to cure the
account on immediate basis.
Forming a specialized team to conference the call between the agency guy and the
customer to come under consensus for making the payment and hence curing the
account.

2) Prior to Adventity was employed with Hiranandani Group of Company for US

based worlds largest bank process - JPMorgan Chase BankInbound Customer
Service and Collections(Bucket 13)for more than 3 years.

Job Responsibilities

Job involved handling outbound and inbound collection follow up on overdue accounts.
Responsible for directly interacting and managing the key clients from US Bank and
assigning the target across the floor to achieve the target and ensure the target
achieved
 Up selling financial plans to the valued customer of Chase Bank, Sales target assigned
by Bank was 1.2 SPH and achieved as 1.5 SPH
Constant co-ordination with the US bank clients for the sales performance and
collections to cure the accounts.
Achieved strong collection targets from Bucket 1 to Bucket 2 for the bank in US.
Portfolio comprise of Insecured CREDIT CARDS from all the zones of United States.
Accomplished the monthly target by minimum flow rate to the next buckets and also to
maintain quality as per C-Sat (Customer Satisfaction) guidelines.
Achieved monthly flow rate to 19.00% against the target of 25% in Credit cards and

All the certificates and original documents will be produced at the time of
interview.

Best Regards,

Sunita B Kharatmal.