Divya Gupta
Dabra
Summary
Experienced lending operations professional with hands-on expertise in loan servicing, processing, and financial reconciliations. Skilled in risk mitigation, audit handling, and client communication. Proactive team player with strong analytical, reporting, and documentation abilities.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Assistant Manager - Operations
HDFC Bank Ltd.
Dabra
08.2023 - Current
- Managed transaction inputting and authorization correctly and ensured timely completion of tasks and accurate reporting of results.
- Supported loan portfolio transfers and migration projects into a unified Loan IQ platform.
- Generated outstanding invoices, performed accrual vs. Payment reconciliations, and executed fund transfers.
- Communicated directly with clients via email and mail for invoice sharing and document follow-up.
- Performed interest rate adjustments on loan and deposit accounts as required.
- Delivered standardized and manual system-based reports to stakeholders, including risk, business, and audit teams. Ability to work collaboratively within a team environment.
- Analyze operational risk data using Excel dashboards to support reporting and risk tracking.
- Supported teams in identifying control gaps, monitoring breaks, and recommending enhancements across business functions.
- Tracked pending documentation, followed up with business units, and ensured timely submission.
- Identified operational risks, reported findings, and implemented action plans for mitigation and closure within deadlines.
- Supported audit processes through process walkthroughs and documentation provisioning.
- Trained new team members and maintained process documentation as per audit and operational requirements.
Management Trainee - Operations
Arohan Financial Services Limited
Indore
07.2022 - 08.2023
- Best utilization of data for decision-making to fulfill the business process policies.
- Lead data analysis for QA reviews, and provided recommendations for internal controls.
- Ensured alignment with policies on KYC, AML, and EDD standards.
- Developed problem-solving abilities through hands-on experience with real-life business scenarios.
- Resolved customer issues efficiently to build loyalty.
- Participated in leadership training sessions to develop managerial skills.
Marketing Executive
Dindayal Industries pvt. Ltd.
Gwalior
01.2021 - 06.2022
- Worked collaboratively to identify and resolve process inefficiencies.
- Applied risk-based thinking to improve data integrity in customer engagement processes.
Education
Master Of Business Administration (MBA) - Finance And Marketing
Prestige Institute Of Management And Research
Gwalior (MP)07.2022
Bachelor Of Commerce - Banking And Finance
Jiwaji University
Gwalior, MP03.2020
High School Diploma -
Sant Kanwar Ram H.S. School
Dabra (MP)03-2017
Skills
- Tools: MS Excel, Power BI, PowerPoint, and Word
- Lending Tools: Finone, Flexcube, LaserSoft (LS), Loan Origination System (LOS), Loan IQ
- Regulatory Compliance: EDD, CDD, KYC, AML
- Soft skills: Attention to detail, problem-solving, Time management, Documentation Verification, and Communication
- Audit and Compliance
- Quality Assurance (QA)
Accomplishments
- Silver Star Award, HDFC Bank—awarded for best performance among peers, along with a certificate, 2025
Certification
- KYC and AML Certificate from M Power (01/2025 - 01/2025)
- Excel - Beginner to Pro from Udemy (12/2021–01/2022)
- Advanced Financial Analyst Certification from SLA Institute (02/2024 - 07/2024)
Projects
- Learn through the movie project, Emotional Intelligence
- Major Research Project, and the impact of digital finance on financial inclusion
Hobbies and Interests
- Learning through YouTube
- Traveling
Languages
- English, Full Professional Proficiency
- Hindi, Full Professional Proficiency
Timeline
Assistant Manager - Operations
HDFC Bank Ltd.
08.2023 - Current
Management Trainee - Operations
Arohan Financial Services Limited
07.2022 - 08.2023
Marketing Executive
Dindayal Industries pvt. Ltd.
01.2021 - 06.2022
Master Of Business Administration (MBA) - Finance And Marketing
Prestige Institute Of Management And Research
Bachelor Of Commerce - Banking And Finance
Jiwaji University
High School Diploma -
Sant Kanwar Ram H.S. School
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