Nikita Raay

Program Manager

Mumbai, Maharashtra, India11 yrs 5 mos experience

Key Highlights

Over 10 years of experience in Retail Asset Operations.
Expert in managing digital banking projects.
Strong background in credit card operations and securitization.

Stackforce AI infers this person is a Fintech expert with extensive experience in digital banking and credit card operations.

Contact

Skills

Core Skills

Project ManagementSecuritizationCredit Card Operations

Other Skills

Operational Risk ManagementPresentationsBusiness ProcessProblem SolvingWritten CommunicationBusiness Process MappingIT Business AnalysisProcess EfficiencyTime ManagementCustomer SupportCustomer Relationship Management (CRM)System ApplicationsLeadershipOperations ManagementProcess Improvement

About

Key skills - Operation, UAT, BRD, Process Re-engineering, Project management, Business Analyst, Scrum master, Agile methodology Banking professional having more than 10 years experience in different departments of Retails Asset Operations. Started my career in 2014 with ICICI Bank in Credit Card Operations, handled Pre-issuance, Merchant EMI conversion and cashback, coordination with Product team for new product creation, testing and launch. Apart from this done lot of automation, process improvements. Got promoted to DM II in 2017. Moved to IDFC Bank in 2018 as Manager, handled Project and process for Business Banking and Retail Asset loans. Also, handled BAU operation of Repayment, customer service, CERSAI. Post merger of IDFC First Bank worked in disbursement of Unsecured loans. Joined Yes Bank in 2020 in Securitization team, taking care of Direct Assignment and Co-lending deals. Successfully taken over buyout portfolio of RHFL. I am Self-confidence, Dedication,Hard working ,Quick in adopting new technology. I have good Communication skills and Presenting Skills. I am always ready to learn. As i believe one can grow only through learning and learning never stops.

Experience

11 yrs 5 mos

Total Experience

2 yrs 2 mos

Average Tenure

3 mos

Current Experience

Hdfc bank limited

Assistant Vice President

Jan 2026 – Present · 3 mos · Mumbai Metropolitan Region · On-site

Managing Digital Banking projects for Loan on Cards, Smart EMI and Smart Pay

Indusind bank

Assistant Vice President 2

Oct 2024 – Dec 2025 · 1 yr 2 mos · Mumbai, Maharashtra, India · On-site

Working as Project Manager for Credit Card s

Operational Risk ManagementProject Management

Axis bank

Senior Manager

Aug 2023 – Oct 2024 · 1 yr 2 mos · Mumbai, Maharashtra, India

Project Manager for Credit Cards

Operational Risk ManagementPresentationsBusiness ProcessProblem SolvingWritten CommunicationBusiness Process Mapping+7

Yes bank

2 roles

Assistant Vice President

Apr 2022 – Aug 2023 · 1 yr 4 mos

Operational Risk ManagementLeadershipPresentationsBusiness ProcessOperations ManagementProcess Improvement+13

Senior Manager

Jan 2020 – Mar 2022 · 2 yrs 2 mos

Working in Securitization team taking care of below activities.
Projects of Securitization
Standardization of Process and policy for all deals of buyout and sellout.
System Testing
SOP preparation and updation.
RECON of GLs
Managing Customet Service of buyout portfolio of RHFL.
CIBIL and other bureau reporting of portfolio.

PresentationsBusiness ProcessProblem SolvingWritten CommunicationBusiness Process MappingProcess Efficiency+5

Idfc bank

Analytics Manager

Feb 2018 – Jan 2020 · 1 yr 11 mos · Mumbai, Maharashtra, India

Managed below profiles in Business Banking and Retails Asset Ops:
Projects
Testing of system
Working with IT team with system issues received PAN India.
Repayment activities for Retail Asset and Busniess Banking including NACH registration.
Customer Service Related Request
Retail Asset Disbursement
Managed unsecured loan distributions and quality checks.

PresentationsBusiness ProcessProblem SolvingWritten CommunicationBusiness Process MappingProcess Efficiency+4

Icici bank

2 roles

Deputy Manager II

Promoted

Apr 2017 – Jan 2018 · 9 mos

Worked in ICICI Bank as Deputy Manager 2 in Credit Card Operations in ICICI Bank, ICICI Bank Tower, Near Chandivali Studio, Andheri East, Mumbai.
Past Role Description:
Payment Solutions
Credit Card Pre-issuance
Credit Card Embossing.
New Card testing.
Manage product related Credit Card like Personal loan against Credit card, EMI conversion of merchant transaction, Cashback process.
Tracking and managing budget and costing of department.

PresentationsBusiness ProcessProcurementProblem SolvingWritten CommunicationBusiness Process Mapping+5

Deputy Manager I

Aug 2014 – Apr 2017 · 2 yrs 8 mos

Worked in ICICI Bank as Deputy Manager 1 in Credit Card Operations in ICICI Bank, ICICI Bank Tower, Near Chandivali Studio, Andheri East, Mumbai.
Past Role Description:
Payment Solutions
Credit Card Pre-issuance
Credit Card Embossing.
New Card testing.
Manage product related Credit Card like Personal loan against Credit card, EMI conversion of merchant transaction, Cashback process.
Tracking and managing budget and costing of department.