Baljeet Saini

• Drove cross-functional collaboration with Market Compliance Officers (MCO) and Legal Entity Compliance Officers (LECO) to monitor Risk and Control Self-Assessment (RCSA) and Process Risk Self-Assessment (PRSA), reducing control failures and strengthening business controls by documenting risk events in Archer and driving milestones through to closure. • Collaborated continuously with 1st, 2nd, and 3rd lines of defense to identify business outliers and prevent recurring risk events. • Monitored and identifi

• Executed data analytics and capability assessments to identify operational inefficiencies. • Conducted process reviews of the Credit reference agencies (CRA) system to ensure responsible lending practices and compliance with fraud prevention and anti–money laundering (AML) regulations. • Assessed system controls, risk indicators, and monitoring mechanisms to identify gaps and strengthen regulatory compliance. • Collaborated with business and technology teams to dene requirements for credit bureau integra

• Analyzed operational risks arising from inadequate processes, systems, compliance gaps, and external factors. • Developed remediation plans to address loss events and mitigate recurring risks. • Conducted risk assessments to identify, quantify, and prioritize risks impacting business objectives. • Produced weekly risk reporting for Global Servicing Group leadership. • Coordinated with Operations Excellence teams, Compliance Officers, and technical stakeholders for risk mitigation initiatives. • Managed ri

• Reviewed account documentation to verify accuracy and compliance with accounting standards and internal controls. • Prepared audit findings reports at individual and business unit levels. • Delivered recommendations to improve operational practices and control environments. • Conducted two-week process training programs for new hires and existing GCRA team members. • Oversaw completion of procedural testing, business self-testing, target transaction testing, and authorization policy override tracking. • I

• Supervised team performance, development plans, and daily operations. • Managed administrative functions and team scheduling. • Resolved escalated customer concerns through supervisory intervention. • Conducted pre-shift briefings to communicate performance metrics and address team queries. • Collaborated with quality assurance and operations teams to maintain process standards.

• Delivered classroom training to new hires on collections processes and compliance requirements. • Coached analysts on process parameters and performance standards. • Facilitated transition from training to production environment. • Updated training modules based on process changes and business requirements. • Collaborated with business owners to establish training objectives. • Monitored new hire performance during the on-the-job training phase. • Trained 10 batches of 15-20 new hires with minimal supervi

• Managed and resolved “No Good Check” queries from corporate card members, ensuring timely and accurate resolution. • Assessed customer creditworthiness using credit scores and account history to make authorization decisions. • Supported stranded clients by coordinating charge approvals through Global Limits and Post-Authorization Review processes. • Conducted credit assessments and made informed credit decisions to mitigate risk and prevent potential credit bust-out losses. • Managed servicing and collect

• Completed four-week classroom training followed by two months of on-the-job training. • Handled outbound and inbound dunning calls for credit-related concerns. • Achieved certification within the designated timeframe.

• Achieved and sustained high customer satisfaction scores by proficiently resolving customer queries through voice, email, and chat. • Bolstered business continuity by delivering prompt on-site training in Dell Hyderabad during queue transitions, ensuring 100% on-time completion and seamless operational handover.