Summary
Overview
Work History
Education
Skills
Certification
Hobbies and Interests
Accomplishments
Awards
References
Timeline
Generic

Harminder Kaur

Perth,Australia

Summary

Business consultant with a track record of driving strategic initiatives and delivering impactful solutions. Adept at analyzing business processes, identifying growth opportunities, and implementing effective strategies. Strong focus on team collaboration and achieving results, with a flexible approach to dynamic business environments. Skilled in project management, data analysis, and stakeholder engagement. Known for reliability and adapting to changing needs.

Overview

8
8
years of professional experience
1
1
Certification

Work History

Business Consultant

Insight Advisory
Perth
10.2022 - Current
  • Conduct in-depth reviews of business systems and workflows to identify inefficiencies and recommend process improvements.
  • Design and implement custom costing models and pricing calculators to enhance financial accuracy and operational decision-making.
  • Build dynamic Power BI dashboards to visualise trends, monitor KPIs, and support performance analysis.
  • Prepare detailed monthly board packs, combining financial results with strategic commentary and actionable insights.
  • Perform business valuations using various methodologies, including capitalisation of earnings, DCF, and market-based multiples.
  • Support clients in business sale processes by preparing tailored Information Memorandums and investor-ready pitch decks.
  • Carry out comprehensive business diagnostics covering financials, operations, systems, and human resources to assess overall business health.
  • Lead the implementation and optimisation of platforms like Simpro and Monday.com, aligning system capabilities with business needs.
  • Provide client training and create user documentation to support system adoption and process changes.

Cluster Manager

Bajaj Finserv
Pune
09.2021 - 07.2022
  • Manage end-to-end processes for loan applications across SME segments (professional loan, doctor loan, equipment finance) and the salaried segment, ensuring smooth and compliant operations.
  • Led the end-to-end implementation of an organisation-wide Salesforce underwriting platform transformation for the personal loan segment, embedding credit policies, improving automation, and significantly enhancing turnaround time.
  • Managed a team of five, setting clear expectations and conducting regular performance reviews.
  • Lead cross-functional stakeholder alignment to identify and drive process improvement and system enhancement opportunities.
  • Drive business requirements gathering, documentation, and prioritisation, ensuring alignment with functional, technical, and compliance goals.
  • Design high-level business solutions, including customer journey flows, credit policy frameworks, and operational processes.
  • Define acceptance criteria, coordinate UAT, and validate solutions to ensure they meet user and business expectations.
  • Analyse data trends to support process interventions, develop business cases, and justify proposed improvements.
  • Ensure full compliance with legal, credit, and regulatory requirements when onboarding and managing vendors.
  • Monitor existing partner solutions for usage and cost efficiency, identifying and acting on cost-saving opportunities.
  • Handle ad hoc and field queries by continuously monitoring systems and resolving operational escalations.

Senior Unit Manager

Bajaj Finserv
Pune
11.2018 - 08.2021
  • Managed end-to-end loan processing for the personal loan segment, coordinating across business, risk, and IT functions.
  • Conducted gap analysis and designed refined workflows to address inefficiencies and enhance turnaround time (TAT).
  • Successfully implemented geo-fencing technology to enhance process control and ensure compliance across locations.
  • Designed and executed centralised underwriting processes, improving efficiency and consistency in decision-making.
  • Collaborated with credit risk teams for policy alignment and updates based on system and process changes.
  • Defined and documented business requirements, ensuring system feasibility through continuous engagement with IT teams.
  • Led User Acceptance Testing (UAT) for new builds and enhancements, ensuring solutions met business needs.
  • Performed detailed data analysis to identify trends, improve credit decisioning, and reduce processing delays.
  • Engaged with external vendors for API integration, supporting automation and real-time data access.
  • Supported ad hoc management requests by delivering timely analysis, reporting, and project support.

Area Credit Manager

Bajaj Finserv
Bengaluru
05.2017 - 11.2018
  • Underwriting of personal loans as per laid down policies and proposals ensuring minimal credit risk.
  • Analysed financial documents and credit history in extending credit to customers.
  • Managed overall sanction and disbursal process.
  • Preparation of Credit Appraisal Memo (CAM), conduction of Personal discussion with customers.
  • Coordinated with sales to achieve targets and ensure TAT is met.
  • Facilitated collection team in controlling front-end delinquencies.
  • Resolved customer issues and delinquent cases to maintain portfolio health.
  • Reviewed loan applications and did back-end monitoring to decrease audit errors.
  • MIS reporting.

Education

Master of Business Analytics -

UWA Business School
Perth
01.2024

Master of Business Administration - Finance

ICFAI Business School
Hyderabad
01.2017

Master of Technology - Biotechnology

Amity University
Lucknow
01.2013

Master of Science - Microbiology

Lucknow University
Lucknow
01.2010

Bachelor of Science -

Lucknow University
Lucknow
01.2008

Intermediate -

Spring Dale school
Lucknow

High school -

Spring Dale school
Lucknow

Skills

  • Systems implementation and change management
  • Stakeholder engagement
  • Data analytics and dashboard development
  • Project management and cross-functional team leadership
  • Vendor management and cost control
  • Data visualization
  • Process improvement

Certification

  • NISM Series VIII equity derivatives
  • Fundamentals of data analysis – CFI
  • Monday.com partner certificate

Hobbies and Interests

Hobbies include reading books on interior decoration and travelling.

Accomplishments

  • Led an organisation-wide transformation of the Salesforce underwriting platform for the personal loan segment, reducing average processing time per loan file from 120 minutes to 30 minutes.
  • Implemented a centralised underwriting system, streamlining credit operations across branches and achieving annual cost savings of approximately AUD 1.8–2 million through reduced manpower requirements.
  • Reduced delinquency rates by introducing geo-fencing controls that proactively filtered out high-risk, negative areas based on applicant address data
  • Conducted over 100 business valuations across various industries, applying multiple methodologies to support strategic transactions.
  • Managed a team of five, overseeing performance and setting KPIs

Awards

Best debutant award on completing one year in Bajaj Finserv, Hero of the moment award for execution and stabilization of Sal 2.0 project, Super heroes award for successful implementation of AOP project centralised underwriting, Excelsior award for independently executing the Map My India Project, Best Student Award MTech, Biotechnology

References

References available upon request.

Timeline

Business Consultant

Insight Advisory
10.2022 - Current

Cluster Manager

Bajaj Finserv
09.2021 - 07.2022

Senior Unit Manager

Bajaj Finserv
11.2018 - 08.2021

Area Credit Manager

Bajaj Finserv
05.2017 - 11.2018

Master of Business Analytics -

UWA Business School

Master of Business Administration - Finance

ICFAI Business School

Master of Technology - Biotechnology

Amity University

Master of Science - Microbiology

Lucknow University

Bachelor of Science -

Lucknow University

Intermediate -

Spring Dale school

High school -

Spring Dale school

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Harminder Kaur