Prathibha Selvaraj

Experienced Banking Operations and PMO professional with 8+ years of experience across retail banking operations, MIS reporting, governance reporting, stakeholder coordination, and business process analysis in banking and IT domains. Skilled in KPI tracking, process improvement, dashboard reporting, and cross-functional coordination with hands-on experience in Advanced Excel, Power BI, and SQL. Proven ability to support business reporting, operational governance, and data-driven decision-making.

Currently upskilling in Business Analysis, SQL, and Power BI with practical exposure to process analysis, BRD documentation, and dashboard development.

Planned Career Break - Career Break and Upskilling

• Focused on skill development in Business Analysis, Data Analysis, SQL, and dashboard reporting
• Completed hands-on project on loan performance and process analytics using SQL and Power BI
• Strengthened analytical and reporting skills through practical dashboard development and KPI analysis

Project: Loan Performance & Process Analytics Dashboard - Career Break and Upskilling

• Designed and analyzed loan dataset to evaluate application trends, approval rates, and processing delays
• Wrote SQL queries for data extraction, filtering, aggregation, and KPI calculation
• Built interactive dashboard using Power BI to visualize: Application trends, Approval vs rejection rates, Stage-wise bottlenecks, Turnaround time (TAT) analysis
• Identified process bottlenecks and derived insights to support operational efficiency analysis

Deputy Manager, Retail Assets Operation - HDFC Bank

(2017-07 - 2020-06)

• Processed and approved retail loan applications (Personal, Gold, and Two-wheeler Loans) after performing eligibility assessment, document verification, KYC validation, and compliance checks
• Executed loan disbursement activities through Oracle FLEXCUBE, ensuring adherence to bank policies, operational guidelines, and defined turnaround times
• Managed end-to-end loan processing lifecycle from application review to approval and disbursement while maintaining accuracy and service quality standards
• Analyzed retail loan processing workflows to identify inefficiencies in turnaround time (TAT), documentation handling, and operational processes
• Gathered and interpreted business requirements for MIS reporting, operational performance tracking, and process improvement initiatives
• Developed automated reporting solutions using Advanced Excel, reducing manual effort by 20–25% and improving reporting accuracy
• Collaborated with cross-functional stakeholders including operations, sales, finance, and support teams to ensure data consistency and reporting alignment
• Performed gap analysis on existing workflows and identified rework caused by incomplete documentation, manual tracking, and process bottlenecks
• Proposed process improvements to enhance workflow visibility and reduce delays in verification, approval, and disbursement stages
• Created structured reporting formats, operational trackers, and process flow documentation to improve visibility into loan processing activities
• Defined and monitored key operational KPIs including TAT, approval rates, pending cases, and disbursement metrics to support decision-making
• Supported compliance checks and internal audits by validating operational data and ensuring adherence to regulatory and internal guidelines

Business Analysis Initiative - HDFC Bank

(2017-07 - 2020-06)

• Conducted process analysis of the loan processing lifecycle to identify bottlenecks impacting turnaround time and operational efficiency
• Created sample Business Requirement Documents (BRDs) and As-Is / To-Be process flows to propose a structured loan tracking and monitoring approach
• Designed a prototype loan tracking dashboard (Excel-based) to monitor application status, stage-wise delays, approval trends, and operational KPIs

Business Associate / Delivery Operations Analyst (PMO) - Tech Mahindra

(2012-06 - 2017-03)

• Supported PMO functions for multiple business units by managing governance reports, operational trackers, and performance dashboards
• Prepared weekly, monthly, and quarterly MIS reports covering revenue, pipeline, headcount, utilization, margins, and delivery metrics
• Coordinated with project managers, delivery heads, finance teams, and business stakeholders to ensure timely reporting and data accuracy
• Managed resource utilization tracking across projects; analyzed bench levels, underutilization trends, and corrective actions
• Created standardized templates for competency-wise P&L reporting to improve financial visibility
• Assisted budgeting and forecasting through headcount cost analysis and growth projections
• Maintained trackers for risks, action items, pending deliverables, escalations, and governance reviews
• Conducted attrition analysis by project, manager, and reason categories; shared insights with leadership
• Supported quote creation, contract setup, milestone planning, PO follow-up, and invoicing coordination
• Prepared leadership review decks and business presentations for quarterly reviews and strategic meetings
• Tracked growth / de-growth trends across key accounts using revenue and headcount metrics
• Managed master repositories for new business wins, account movement, and reporting data
• Executed ad-hoc analysis requests from senior leadership to support business decisions
• Collaborated with delivery, HR, sales, finance, and operations teams to improve reporting turnaround time

Key Achievements - Tech Mahindra

(2012-06 - 2017-03)

Improved reporting efficiency and operational effectiveness through various initiatives and received recognition for analytical contributions.

• Improved reporting efficiency by standardizing dashboards and templates
• Enabled better resource optimization through utilization tracking
• Supported smoother forecasting cycles through structured reporting models
• Received Spot Awards / ACE Awards for analytical and operational contributions
• Received strong performance ratings for consecutive appraisal cycles

Master Diploma - Interior Architecture & Design - Dream Zone (2022 - 2023)

B.E. - Electronics and Communication Engineering - Dr. Mahalingam college of engineering and technology, Anna University (2007 - 2011)