A. DHARUMAN
Banking
Chennai,TN
Summary
To Work as an Employee in as organization to learn and achieve and to gain knowledge And Experience. Willing to work as a key player in challenging an Creative Environment.
Overview
20
20
years of professional experience
Work History
Retail Operations (Verifier)
WNS Global Services Pvt Ltd.
08.2016 - Current
- Company Overview: Client of Leading Bank from UAE
- Booking Loan Number for Mortgage, Personal Loan, Auto Loan Based given LDR Request.
- MC Issuance and Cancellation as per LDR and Mail Request from Onshore.
- Pre and Part Settlement of Loans as per Customer Request.
- Mortgage Registration and Release for Used and New Auto Loans.
- Initiating DDA Request in system as per Customer Request.
- ROI Changes of Mortgage Loans.
- Booking of Reschedule loans.
- Clearing past due in loans as per collection team request.
- Postponement of Loans and amending schedule.
- LL/NLL Issuance
- Previous Process:
- Credit Underwriting.
- Analyzing various documents such as Application, Al Etihad Credit Bureau (AECB Report), Salary certificate, Pay slips, Bank statements & KYC documents.
- End to end verifying Customer’s Credit history both salaried customers.
- Checking Central Bank of UAE Regulations & Compliance Checks accordingly.
- Preparing periodical statistics & maintain various reports of Approval & Declines.
- Ensure compliance to Bank’s internal policies & procedures, prepare proposal and reviewing Deviation sheets according to Central Bank regulations
- Training & monitoring new Credit officers.
- Handling all other tasks assigned directly by Retail Credit Managers
Credit Manager
HDFC Bank
11.2015 - 05.2016
- Underwriting the personal loan application
- Processing the PL applications-based sourcing code with policy guidelines
- Checking customer’s CIBIL report Internal external Loans, Repayment History DPD of the customer, cibil score
- Verifying customer KYC documents (especially checking dual pan)
- Validating customer income based on given docs
- Checking the cpv report, positive failure, neutral cases will process accordingly
- Taking the deviation code whenever required
- Approving the personal loan amount based on income profile with eligible multiplier
- Customer Loan amount and Tenor restricted based on policy guidelines
- Coordinating with sales team for required docs and smooth processing
- Giving suggestions and feedback to sales team
- Monthly review of Non-Starter, EMR, Delinquent customer’s details
- Systems: LOS, Flex cube, Fin one, Vision Plus, Cibil
Process Associate
Tata Consultancy Service
08.2011 - 11.2015
- Citibank Savings and current account opening based on customer instruction
- Checking the completeness of Account opening form
- Validating the customer individual KYC documents for savings account opening
- Validating the company KYC documents for current account opening process
- Filling FATCA form for all customers (US/Non-US customers)
- Google search verification for companies
- Review the customer profile form (IPF –For Savings /CADD - For Current)
- De-dupe check for customers Citibank Existing account details and products
- Account number generation and the same to be communicated to branch daily basis.
- Priority processing of High value customers based on branch instruction.
- Daily follow up with branch for deferral related documents.
- Communicating with Branch for Hold reasons and giving suggestions to clear the hold reasons and updating any policy changes.
- Awards: Champions League award for the month sep 2012
Process Advisor Underwriter (UAE Credit Cards)
Barclays Shared Service
10.2009 - 06.2011
- Credit Underwriting the UAE Barclaycard Credit card applications
- Basic checks KYC, Compliance checks, De-Dube findings
- Checking Internal customers Barclays Account Holder Details
- Checking Internal & External loan liability details
- Analyze Income Documents and Bank Statements Completely
- Comparing and validating the customer details in CPV report
- Processing the application within TAT
- Checking Balance Transfer Details
- Assigning credit Limits Based on Customer Profile
- Providing Ideas and feedback for processing improvement.
- Review the Pending and Declined applications and communicate with sales
- Software: Flex cube, Prime, CB/RB check, Ebox Checking
- AWARDS: Monthly Performance award (spot award –aug month), Think smart award for process improvement
Associate
ADFC PVT LTD
10.2006 - 08.2009
- Company Overview: Subsidiary of HDFCBANK
- Credit Underwriting the Hdfc bank credit card Applications
- Checking HDFC account details, performance, transactions details
- Priority process Premier, preferred account holders applications
- Checking the KYC documents, Self-attestation details
- Checking the income documents, pay slip and cpv Reports
- Assigning Credit limit based on customer profile
- Based on customer request limit enhance and decrease in Vision Plus
- Card blocking and Removing based on customer request in Vision Plus
- Credit Card Product Upgrade and Conversions
- Balance transfer
- Preparing Mis (AFU) Related Activities Daily Basis and Reports to Management
- Handling Mails from Regions and Agencies
- Review the Pending and Declined applications and communicate with sales
- Software: Fin ware, Vision Plus, Host, Ms office, Finnacle, APS (Application Processing system)
- AWARDS: Annual Performance Award (2007-2008), Quarterly Month Award (Oct-08-Dec08)
Data Entry Operator
DCS BPO PVT LTD
07.2005 - 03.2006
- Data Capturing From Imaged Telephone Bills (US/UK)
Education
B.Sc - Computer Science
D.B. Jain College
H.S.C And S.S.L.C - undefined
Government Higher Secondary School
Skills
Typing Speed 40 WPM
undefinedAwards
Way to go (July 2024), Impressive (Feb2024), Impressive (Mar 2023), Go Getter (Jan 2017), Applause (Jul 2018), Bellwether (Sep 2018), Champions League award for the month sep 2012, Monthly Performance award (spot award –aug month), Think smart award for process improvement, Annual Performance Award (2007-2008), Quarterly Month Award (Oct-08-Dec08)
Disclaimer
I hereby declare that the above information furnished is true to best of my knowledge. Date: Place: A.Dharuman
Timeline
Retail Operations (Verifier)
WNS Global Services Pvt Ltd.
08.2016 - Current
Credit Manager
HDFC Bank
11.2015 - 05.2016
Process Associate
Tata Consultancy Service
08.2011 - 11.2015
Process Advisor Underwriter (UAE Credit Cards)
Barclays Shared Service
10.2009 - 06.2011
Associate
ADFC PVT LTD
10.2006 - 08.2009
Data Entry Operator
DCS BPO PVT LTD
07.2005 - 03.2006
H.S.C And S.S.L.C - undefined
Government Higher Secondary School
B.Sc - Computer Science
D.B. Jain College
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