Shreya Saha
Asst. Vice President (Retail Banking)
About
Shreya Saha is a seasoned banking professional with extensive experience in credit evaluation, portfolio management, and operational risk control. She possesses over 13 years of experience, specializing in retail and SME lending, credit risk analysis, and regulatory compliance. Her expertise includes managing high-value portfolios and ensuring adherence to KYC/AML norms, demonstrating a strong ability to assess creditworthiness and mitigate risks. She is seeking opportunities to leverage her comprehensive banking knowledge and risk management skills in a challenging role.
Experience
Asst. Vice President (Retail Branch Banking)
Jan 2025 – Jul 2025 · 6 mosHDFC Bank · Bangalore
- Oversaw ₹1000 Cr+ high-net-worth portfolio, focusing on credit decisions and relationship strategy.
- Reviewed and approved retail loan applications, ensuring credit policy and KYC adherence.
- Facilitated internal audits and managed documentation for regulatory inspections.
Assistant Manager/Probationary Officer
Jul 2012 – Mar 2024 · 11 yrs 8 mosState Bank Of India · Bangalore
- Analyzed 900+ home loan applications totaling ₹350 Cr.
- Annually reviewed 60+ working capital accounts (>₹100 Cr) for asset health.
- Monitored transactions for suspicious patterns and coordinated STR filings.
Assistant Manager – Branch Operations
Aug 2010 – Feb 2012 · 1 yr 6 mosAxis Bank · Kolkata
- Managed branch operations and ensured retail transaction compliance.
- Supported loan processing workflow and business continuity planning.
Skills
Credit & Lending
Risk Management & Compliance
Banking Operations & Management
Languages
Education & Certifications
MBA in Marketing & Finance
West Bengal University of Technology · 2010
M. Com
Calcutta University · 2008
B. Com
Calcutta University · 2006