RANJANA KAMO-| Mobile +1 -
Finance Leader and Executive
Credit & Risk Assessment • Finance Operations • Quality and Transformations
Chartered Accountant • MBA in Finance • Certified Lean Six Sigma Master Black Belt
Credit and Risk Expert, Recognized for Creating Value, Delivering Sustained Improvements, Achieving
Results. Cross Functional Lean Six Sigma Experience with C-Level Management. Serial Problem Solver.
SUMMARY
Top performance in credit and risk assessment, expertise in evaluating creditworthiness of borrowers,
managing risk exposure, risk profiling, and risk mitigation, loan processing, quality and finance operations
transformation. Founding team member in HDFC unsecured loan division setting up processes, products and
initiatives from scratch. Exhaustive understanding of business products, vagaries of market conditions,
customer needs and adaptation of risk perspectives in consonance with the geography, market, industry
segment, customer profile and needs. Detail oriented, strong analytical base with excellent profile judgment
skills.
Tenacious in pioneering change. Expert in team building and solving complex operational problems. Able to
motivate and move a group towards a consensus and implement change without organizational friction.
Prolific author with 15 books published. Recipient of Coveted 'Tejaswani', Woman Super Achiever Award.
Gold medalist Jyotish Acharya (Astrology).
PROFESSIONAL EXPERIENCE
Independent Consultant, Author, Public Speaker, Life Coach
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Jan 2018 to Date
Independent Consultant engaged in Content Creation and Ghost writing
Editorial Board of WiP (Women in Power), a community of highly successful women. Sharing enriching
ideas/themes/subjects with members to enable their career and personal growth and progress
Motivational speaker and life coach with active YouTube Channel and numerous speaking engagements
Authored 15 books across multiple genres. Three of these books held temporary Bestseller status.
Books placed in libraries across India.
Philanthropic pursuit of astrology, numerology and vastu (feng shui)
Certified Vedic Mathematics coach helping underprivileged children achieve math competence
HDFC Bank
Leading National Bank of India with 9,092 branches, 20,993 ATMs in 3,836 cities, 173,000 employees.
Assistant Vice President and Regional Head, HDFC Bank Ltd.
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April 2015 – Dec 2017
Accountable for Process Improvement Initiatives across all Businesses and Products of the Bank
Proactively collaborated with executives to tactfully source and guide process improvement initiatives
Delivered INR 950 Million in Sustained Annualized Savings
Completed over 80 Complex Projects. Trained 160 Green Belts
Conducted mystery shopping initiatives to assess field performance
Established, implemented a comprehensive framework and dashboards for metrics management
Master Black Belt Lean Six Sigma, AVP and Regional Head Quality, HDFC Bank Ltd. Apr 2010 - Mar 2015
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Led a companywide Time & Motion Study for benchmarking productivity and validating manpower
Trainer for Six Sigma candidates and panel leader for certification
Introduced Lean and 5S concept of Quality to multiple executives and business teams
Created and led quality introduction sessions creating awareness
Accountable for stakeholder engagement and selecting and driving projects
Closed more than 120 projects and initiatives successfully
Ranjana Kamo
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Lean Six Sigma, HDFC Bank Ltd.
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June 2006 - Mar 2010
Selected as Black Belt for Quality Initiatives Group Trained in Lean and Six Sigma disciplines
Managed improvement initiatives for productivity enhancement and cost reduction
Managed initiatives on service quality and complaint management with visible improvements
Closed more than 40 projects and initiatives successfully having enormous business and fiscal impact
Regional Credit Manager, Personal Loans, HDFC Bank Ltd
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April 2003 - May 2006
Accountable for Personal/Professional Loans, Corporate Employee Loans, Business Loans, Small
Business Loans, Loans Against Property, Rental Discounting, Merchant Enterprise Term Loans
Developed a portfolio of over 500,000 loans with minimum delinquency levels, maintaining the
profitability of the unsecured loan product
Managed a team of 18 Bank Executives including three Area Credit Heads
Developed credit risk models to predict the likelihood of defaults and mitigate potential financial loss
Streamlined underwriting process to reduce turnaround time for decisions from 36 hours to 6 hours
Managed Relationships with Branches, Central Processing Agencies, Contact Point Verification Agencies
Supervised Training of channel partners, bank branches, cross-sell departments
Enabled Fraud Control, Quality Assurance, exhaustive and comprehensive Management Information
Systems reporting with continuous feedback on the portfolio to top management
Manager, Credit & Risk (Personal Loans) HDFC Bank Ltd
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March 2000 - March 2003
Established and managed credit and risk functions for Personal, Professional / Business Loans Product
from its inception in Delhi Market, attaining a progressively growing portfolio with minimal delinquency
Evaluated creditworthiness of 30,000 loans for lending, conducting in-depth analysis of borrowers’
financials, market conditions, and risk assessment
Training in credit underwriting to all new credit and sales staff in the Northern Region
Identified, Recruited and Trained Processing/Verification Agencies, Channel partners
Established management information systems for reporting and control
PRIOR ROLES
Assistant Manager, Credit & Risk, ANZ Grindlays Bank
July 1999 - March 2000
Lending Assessment Officer (North) at Delhi
Management Accountant, (Bridge Information Systems)
Dec 1998 - June 1999
Head of Corporate Planning Division at Delhi reporting directly to the Executive Director
Assistant Manager, (Lloyds Finance Limited)
Aug 1994 - May 1998
Credit Underwriting for Corporate Finance Group
EDUCATION AND CERTIFICATIONS
Master Black Belt, Lean Six Sigma, 2011
Indian Statistical Institute
Masters in Business Administration, 1998
Symbiosis Institute of Management Studies
Chartered Accountant, 1994
Indian Institute of Chartered Accountants of India
B.Sc. Mathematics (Hons), 1989
Delhi University
Ranjana Kamo
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