Ranjeeta Raj

Banking and Financial Services Leader with 19 years of overall professional experience, including 10+ years in Lending Operations, Underwriting, Credit Risk Assessment, Loan Processing, KYC Compliance, Fraud Prevention, and Banking Operations. Currently involved in leading a team of 29 professionals and driving operational excellence, productivity, quality, and SLA adherence in a high-volume financial services environment. Played a key role in preventing financial exposure exceeding ₹20 Crore through proactive fraud detection and risk assessment initiatives.

Recognized for improving operational efficiency by 62%, enhancing customer experience, mentoring high-performing teams, and delivering measurable business outcomes through strong leadership, risk management, and process transformation capabilities.

Associate Underwriting Analyst at MPOWER FINANCING (2024-01 – Present)

Leadership, Risk Management & Operational Excellence

• Involved in leading and mentoring a team of 29 underwriting and operations professionals.
• Supported workforce planning, performance monitoring, productivity improvement, and SLA management activities.
• Facilitated onboarding, coaching, training, and cross-functional knowledge transfer programs.
• Collaborated with business stakeholders to drive operational excellence and customer-centric outcomes.
• Supported escalation management and resolution of complex underwriting scenarios.
• Involved in team performance reviews, coaching, and employee development initiatives.
• Supported operational governance, risk reviews, and business continuity activities.
• Collaborated with senior stakeholders to drive productivity, quality, and process transformation initiatives.
• Evaluated student loan applications through detailed underwriting and credit risk assessment frameworks.
• Review financial documents including income proofs, bank statements, credit reports, and supporting documentation to assess borrower eligibility.
• Conduct KYC verification, fraud screening, due diligence, and compliance reviews.
• Apply underwriting guidelines and lending policies to support approval, rejection, and escalation decisions.
• Assess international student loan applications across US and Canada education financing portfolios.
• Perform DTI/FDTI calculations using TransUnion and Nova Credit reports.
• Played a key role in identifying fraud and high-risk lending cases, contributing to the prevention of financial exposure exceeding ₹20 Crore.
• Processed and reviewed 100+ applications during peak admission cycles while maintaining quality and compliance standards.
• Participated in SOP development, UAT testing, and process enhancement initiatives.
• Supported operational excellence and continuous improvement programs.

Operations Manager (Freelance) at GOLDEN RECTANGLE PHOTOGRAPHY (2017-05 – 2023-12)

• Managed end-to-end business operations including customer engagement, project execution, budgeting, vendor management, and service delivery.
• Oversaw operational planning, resource allocation, scheduling, and quality assurance activities.
• Managed stakeholder relationships and ensured high levels of customer satisfaction.
• Successfully handled multiple projects while maintaining operational efficiency and service quality.

Content Developer at CHRYSALIS HIGH INTERNATIONAL SCHOOL (2016-05 – 2017-04)

• Designed curriculum and learning activities for primary students.
• Developed structured educational content and assessment modules.
• Coordinated with academic teams to improve learning effectiveness and content quality.

Production Lead at ANZ BANKING GROUP (2010-07 – 2012-10)

• Led daily loan processing operations, workflow management, and operational reporting activities.
• Managed workload allocation, productivity monitoring, quality reviews, and SLA adherence.
• Coordinated with stakeholders and international teams to ensure operational effectiveness.
• Supported process improvement initiatives and operational excellence programs.
• Reduced operational turnaround time by 62% (4 hours to 1.5 hours).
• Received Best Production Lead Award.
• Awarded ANZ Trendsetter and ANZ Sizzlers recognition.
• Contributed to productivity improvement and operational efficiency initiatives.

Analyst – Auto Loan Settlement Officer at ANZ BANKING GROUP (2007-11 – 2010-07)

• Processed auto loan settlements and loan disbursement activities.
• Verified approved credit applications and supporting documentation.
• Conducted fraud detection, compliance reviews, and documentation verification.
• Ensured timely settlements within SLA requirements.
• Utilized AS400 and SBMA systems to support loan processing operations.

MBA / PGDM in Finance – Ranchi University (2004 – 2007)

B.Sc. in Zoology – North Orissa University (NOU) (2000 – 2003)