Rupal Bhargava

Associate VIce President - Credit Operations


A result oriented professional with 15 years of rich experience in operations strategy & execution in internationally focused organizations. I have extensive exposure in managing multiple functional areas within the Banking, Financial Services and Insurance. I am seeking senior level assignments in business operations & management in an organization of repute to further my experience and skills and contribute to overall business growth.

Work History

Work History
Mar 2013 - Present

Associate Vice President - Credit Operations

Barclays Shared Services

Lead Corporate KYC and Credit Lending Operations supporting Corporate and Wealth banking business segments across a wide array of Credit Products and Services.

Managing a multi-city large team, working in partnership with Business Product Support Group, Project Steering Group, Operations Teams, Service Management, Operations Risk, Business Management, Compliance, Legal and Risk, Solicitors and Valuers.

Key accomplishments in this role:

Received Personal & Corporate Banking Global (Platinum) award for demonstration of Values, Service and Excellence. One amongst 96 awardees globally.

  • Recognized as “Great Leader” by Barclays Chief Operations & Technology Officer. One amongst top 6 recognized leaders across the bank globally.
  • Led and executed “Business Continuity Resiliency Project” for Wealth Credit operations to create business resiliency team in Noida with timely closure of all toll gates.
  • Led and re-engineered “Fit to Lend” process for Wealth Credit Lending to allow increased flexibility to Front Office, Solicitors, Clients and Stakeholders to allow for smoother and seamless draw-down.
  • Seamless migration and setup of Corporate Lending functions in Noida. Key milestones were achieved timely and well above business expectations.
  • Contributed to Cost to Achieve targets through FTE re-deployments
  • Worked in close coordination with the Capacity planning, Change and Business Continuity, transitions and finance teams to effect the changes timely.
Aug 2012 - Mar 2013

Service Delivery Manager

Tata Consultancy Services

Operations responsibility for Property & Casualty Insurance underwriting processes for a large financial services corporation which is based out of United States of America. My role was to lead teams based in Chennai (India) & Guadalajara (Mexico) and ensure seamless business process services for the client. (Approx. team size – 180 FTEs)

Mar 2012 - Aug 2012

Operations Manager

Wipro Ltd.

Lead Loan Processing operations for Syndicated Loans processes for Citibank N.A. Key responsibilities included but not limited to metrics and service levels management, stakeholder engagement, participation in various business initiatives and imperatives etc. (Approx. team size – 50 FTEs)

Dec 2006 - Mar 2012

Assistant Manager & Team Leader

Bank of America Continuum India (BACI)

Led teams in two different business verticals viz. Consumer Lending (Home Loans) and Wholesale Banking. Key accomplishments include:

Consumer Lending

Led operations and training teams across 2 sites and supported business ramp-up to headcount of ~ 350 for different functions

  • Conducted process mapping exercises during BACI and Countrywide Financial merger for a seamless amalgamation between businesses
  • Led & participated in driving six sigma lean drive that resulted in significant reduction of Non-Value added activities leading to reduction of overall processing time on Mortgage Documents

Wholesale Banking

  • Transitioned Business Banking Credit Process to India and setup and team of ~ 55 FTEs. All toll gates/key milestones were achieved timely
  • “Zero” attrition in the business consistently for 3 consecutive years.
  • Ran a critical project for business for Lines of credit approved via Performance Based Underwriting by prioritizing such renewals and reducing the turn-around time by less than half.
  • Identified two Self-Identified Audit issues (SIAI) as an outcome of the audit work
  • As part of my role expansion in 2010, 4 additional teams (~70 FTEs) across two locations:
  • Learning Centre: Responsible for product & process training for Treasury & Credit teams and IT vendors based Onshore & Offshore
  • Treasury Research: Research into Treasury products and Customer Profiling, documentation
  • Escalations Management Team: Review customer feedback and escalations for identifying gaps in service provided
  • Client Access: Team sets up customer access of Treasury Services & Products
Mar 2006 - Dec 2006

Team Leader Operations

WNS – Ntrance Customer Services Pvt. Ltd.

A BoT (Build-Operate-Transfer) organization operated by WNS Services. I worked in motor insurance claims process. My role involved managing teams involved in claim recoveries for non-fault accidents for our customers from third parties and/or their insurance companies.

Key accomplishments in the role included ISO initialization and implementation in the process.

May 2004 - Feb 2006

Team Leader & SME

Accenture Services Pvt Ltd.

Successfully transitioned and managed motor & home insurance claims business from client site in the U.K. to India Delivery Center. The process involved settling Motor, Home & Personal Injury Claims for customers and recovering cost of such claims third parties and/or their insurance companies.

Jun 2003 - May 2004

Process Associate

Royal Bank of Scotland (Churchill Insurance)

Worked in Home, Motor & Travel Insurance claims process. Role involved processing claims for our customers post appropriate due-diligence and underwriting of such claims for genuineness.

May 2001 - Jun 2003

Process Associate

GE Capital International Services (Now GENPACT)

Worked in a life Insurance case writing/preparation process which involved review of a life insurance application and updating the system accordingly for underwriter to review the case for either an issue or a decline.


Apr 2012 - Apr 2013

Executive Program in Global Business Management

Indian Institute of Management

IIM Calcutta has been at the forefront of executive education for the last five decades and has been widely acclaimed for the various innovative and customized programs it has introduced over the years based on its state of the art teaching, research and consulting. The 1 year Executive Program in Global Business Management is equips managers who will need the applicable knowledge and skills to navigate their organizations through an ever-changing and dynamic global business environment.

Jul 1998 - Apr 2001

B.A. Hospitality Management

Robert Gordon University

This is a course that combines both the academic and specialist aspects of hospitality management. Some of the subjects that were focus of this course (however not limited to) were Marketing, Professional Communication Skills, Service Sector Management, Hotel Operations,     Organizational Behaviour etc.


Feb 2011 - Feb 2011

Project Management Essentials

Project management Institute

Project Management basics course.

Jul 1998 - Apr 2001

Diploma in Hotel Management

American Hotel & Motel ASsociation

This is a certification which requires at least 85% marks to clear all subjects.

Training(s)  Attended

  • Project Management Essentials
  • Anti-Money Laundering & Information Protection and Privacy
  • Situational Leadership – I & II
  • Interviewing Skills
  • 7 Habits of Highly Effective People
  • Six Sigma Basics & Variation Warrior
  • Information Protection & Business Continuity