SHWETA MISHRA
Skilled Analyst Dedicated To Enhancing Internal Controls And Fostering Compliance.
HALIFAX,NS
Summary
Analytical and detail-oriented Financial Analyst specializing in compliance, internal controls, and risk management, with experience in supporting SOX compliance and regulatory standards. Proven ability to conduct control testing, assess operational effectiveness, and ensure quality documentation to support RBC's SOX certification. Known for a collaborative approach and commitment to innovative problem-solving, with a focus on process improvements, effective risk identification, and cross-functional team alignment. Seeking to contribute skills in audit principles and control testing to drive RBC's compliance objectives.
Overview
12
12
years of professional experience
2
2
Languages
Work History
Relationship Manager - Mortgages
Kotak Mahindra Bank
12.2023 - 11.2024
- Conducted regular review meetings with clients, ensuring their mortgage portfolios aligned with financial objectives and adhered to regulatory and compliance standards.
- Strengthened client relationships through personalized communication, resulting in high client satisfaction and retention while addressing compliance and risk management needs.
- Streamlined internal reporting processes, facilitating more accurate forecasting and strategic planning, and enabling data-driven decision-making within the mortgage portfolio.
- Maintained up-to-date knowledge of banking regulations and compliance requirements, ensuring adherence to internal controls and minimizing risk for both clients and the organization.
- Collaborated with sales, credit assessment, and operations teams to deliver seamless mortgage services and support, ensuring compliance with company policies and regulatory standards.
- Analyzed mortgage-related business processes to identify operational efficiencies, resulting in cost savings and more effective compliance measures.
TAX OPERATION ANALYST
RBC Royal Bank
03.2023 - 10.2023
- Analyzed cross-border investment income data to identify reclaim opportunities, optimizing tax benefits for clients while ensuring adherence to global tax regulations.
- Managed client classification and core tax documentation processes, facilitating accurate and timely filing of global tax relief forms in compliance with double tax treaty exemptions.
- Collaborated with Senior Administrators and Tax Operations Managers to enhance operational efficiencies and ensure high-quality control over tax processes.
- Demonstrated expertise in tax operations, including Reclaim and Relief at Source, while maintaining a strong focus on compliance with global regulatory standards.
- Proactively monitored exemption and refund processes, providing transparency for management and escalating issues to mitigate potential risks.
- Applied a client-centric approach to ensure prompt, accurate production, adhering to policy and procedural guidelines, and enhancing client satisfaction.
KOTAK MAHINDRA BANK
Relationship Manager - Mortgages
05.2020 - 11.2022
- Led revenue optimization initiatives by mentoring team members and collaborating with clients, resulting in a 20% increase in branch revenue while adhering to compliance standards.
- Assessed financial statements, credit reports, and other documents to evaluate customer qualifications, streamlining the loan approval process and enhancing compliance with lending requirements.
- Cultivated relationships with key stakeholders to ensure efficient loan processing and high levels of client satisfaction while upholding regulatory and compliance standards.
- Developed and implemented improvements in lending processes, achieving a 15% reduction in processing time and enhancing compliance and operational efficiency.
- Ensured adherence to laws and regulations related to lending activities, actively minimizing risk exposure and safeguarding the bank’s reputation.
- Provided training and mentorship to junior staff, fostering a compliant, knowledgeable, and efficient team environment.
Mortgage Sales Manager
AXIS BANK LTD
04.2015 - 05.2020
- Facilitated seamless departmental transitions, effectively troubleshooting discrepancies and issues during processing to ensure smooth operations.
- Consistently achieved assigned sales targets, contributing significantly to sales volumes and revenue growth.
- Conducted thorough KYC, financial statement analysis, cash flow analysis, and credit structuring, preparing comprehensive credit proposals for retail and business banking clients.
- Collaborated closely with business development, product, and credit teams to continuously upgrade credit and pricing policies,enhancing overall service offerings.
- Reviewed sales team performance on a weekly and monthly basis, providing timely feedback for continuous improvement and increased productivity.
- Analyzed financial information to determine customer eligibility for various mortgage types, ensuring compliance with policy guidelines.
- Evaluated borrower qualifications according to internal policies and procedures, maintaining high standards of accuracy and reliability.
- Maintained consistency and clarity in all communications, avoiding industry jargon to ensure understanding across departments.
Relationship Manager - Commercial Vehicles
ICICI Bank
08.2012 - 02.2015
- Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
- Built and maintained relationships with new and existing clients while providing a high level of expertise.
- Maintained knowledge on banking products and distribution to provide optimal service support.
- Communicated regularly with clients to understand needs, evaluate current product use, and cross-sell new products.
- Fostered a collaborative team environment, encouraging open communication and continuous improvement to drive business success.
- Provided exceptional customer service, resolving issues promptly and maintaining client trust throughout the resolution process.
- Led strategic initiatives to enhance financial performance, directly contributing to the achievement of business targets and regional growth.
- Maintained a consistent approach in all communications, avoiding industry jargon to ensure clarity and understanding among team members and stakeholders.
Education
MBA - Banking And Finance
Manipal Academy Of Higher Education
Manipal,IN 05.2001 -
Post Graduate Diploma in Banking - Banking And Finance
Manipal Academy Of Higher Education
Manipal,IN 05.2001 -
Bachelor In Computer Applications - Computer Applications Development
Lucknow University
Lucknow,IN 05.2001 -
Skills
Relationship Building
Customer Relationships
Relationship Management
Customer Service
Mortgage In Depth KnowledgeTax KnowledgeLoan ProcessingData ReconciliationQualificationsCritical ThinkingRelationship ManagerTime ManagementTeam HandlingComplex Problem-SolvingAdministration and DataManagementMS Office Expertise
Timeline
Relationship Manager - Mortgages
Kotak Mahindra Bank
12.2023 - 11.2024
TAX OPERATION ANALYST
RBC Royal Bank
03.2023 - 10.2023
KOTAK MAHINDRA BANK
Relationship Manager - Mortgages
05.2020 - 11.2022
Mortgage Sales Manager
AXIS BANK LTD
04.2015 - 05.2020
Relationship Manager - Commercial Vehicles
ICICI Bank
08.2012 - 02.2015
MBA - Banking And Finance
Manipal Academy Of Higher Education
05.2001 -
Post Graduate Diploma in Banking - Banking And Finance
Manipal Academy Of Higher Education
05.2001 -
Bachelor In Computer Applications - Computer Applications Development
Lucknow University
05.2001 -