Ajita Mishra

Accomplished BFSI professional with over 8 years of experience across asset portfolio management, business performance monitoring, banking operations, PSL portfolio tracking, data automation initiative, business MIS reporting, data analytics, and bancassurance delivering measurable business outcomes and operational excellence. Currently serving as Manager – Portfolio Analyst at RBL Bank, responsible for end-to-end portfolio performance monitoring, trend analysis, risk identification, and actionable business insights to support strategic decision-making. Expertise in developing and automating management dashboards, MIS frameworks, and reporting solutions using data analytics tools, significantly improving reporting efficiency, data accuracy, and decision turnaround time.

Strong track record of partnering with cross-functional stakeholders including business, sales, risk, operations, finance, and senior leadership teams to drive portfolio growth, enhance productivity, and optimize business performance. Skilled in translating complex data into meaningful insights through advanced analytics, performance tracking, KPI monitoring and business intelligence reporting, enabling informed decision-making at multiple organizational levels. Demonstrated ability to lead process improvement initiatives, streamline operational workflows, strengthen governance and controls, and support strategic business initiatives while maintaining a customer-centric and results-driven approach.

Manager, Portfolio Analyst - RBL Bank

(2019-09)

• Lead end-to-end portfolio monitoring and performance analysis for retail asset products, tracking key business metrics, identifying trends, and providing actionable insights to drive portfolio growth and profitability.
• Oversee Priority Sector Lending (PSL) portfolio monitoring, ensuring compliance with regulatory requirements, audit readiness, governance standards, and timely resolution of observations and exceptions.
• Develop and present comprehensive business review decks and MIS reports for senior leadership, enabling data-driven decision-making and effective performance management.
• Manage monthly Direct Selling Agent (DSA) payout calculations and Cost of Acquisition (COA) analysis, ensuring accuracy, transparency, and optimization of acquisition-related expenses.
• Spearhead data automation and process improvement initiatives by leveraging analytics and reporting tools, enhancing operational efficiency, reducing manual intervention, and improving reporting turnaround times.
• Perform in-depth retention portfolio analysis for secured lending products, assessing customer behavior, portfolio health, and business opportunities to support strategic planning, retention strategies, and revenue growth initiatives.

ARM - PNB MetLife India Insurance Co. LTD

(2017-03 - 2018-07)

• Managed bancassurance business across assigned Punjab National Bank branches.
• Converted leads, achieved targets, and strengthened branch relationships
• Promoted insurance solutions aligned with customer needs.

PGDM - Banking & Finance - Manipal Academy of Higher Education (2019)

BE - EEE - RGPV University, Bhopal (2012)

Class XII - Kendriya Vidyalaya, Dhanpuri (2008)

Class X - Kendriya Vidyalaya, Dhanpuri (2006)