AARTHY R
Chennai
Summary
Energetic and Motivated for Solving Difficult Situations on Work Positions. Easy to adapt new role & to face challenges. Eagerly expecting to change my career from Credit banking to Credit analyst. Interested to learn new certifications if need. Results-oriented individual with a passion for continuous learning and innovation. Known for leveraging analytical thinking and creativity to solve problems and deliver high-impact solutions in fast-paced environments.
Overview
13
13
years of professional experience
1
1
Certification
Work History
ASSISTANT MANAGER
CANARA BANK
08.2014 - Current
- Identified, assessed, and reported on risk management issues.
- Monitored changes in laws and regulations that could impact the organization's operations.
- Performed periodic reviews of existing systems, processes, and procedures in order to minimize potential risks.
- Created and implemented policies and procedures to manage identified risks effectively.
- Documented findings from audits and investigations into the organization's risk profile accurately and comprehensively.
- Reviewed contracts and agreements for potential liabilities or exposures prior to signing.
- Conducted regular reviews of internal controls to ensure compliance with relevant regulations.
- Conducted regular reviews of risk management practices to identify areas for improvement.
- Monitored regulatory changes affecting risk management practices and ensured company compliance.
- Managed insurance procurement, including policy selection and negotiation with underwriters.
- Collaborated with external auditors and consultants on risk management audits and assessments.
- Implemented procedures for monitoring and controlling operational risks.
ASSOCIATE
KOTAK MAHINDRA BANK
06.2013 - 06.2014
- Performed cash register functions accurately and efficiently.
- Coordinated with other departments including sales, marketing, finance, human resources. to ensure efficient operations.
- Delegated work to staff, setting priorities and goals.
SINGLE WINDOW OPERATOR
KARUR VYSYA BANK
11.2011 - 05.2013
- Operated cash register efficiently and accurately, processed payments by cash, check, credit card, gift card or automatic debit.
- Issued receipts, refunds, credits or change due to customers.
- Resolved customer complaints professionally in accordance with company policy.
- Balanced daily transactions on a computerized point-of-sale system.
Education
HIGHER SECONDARY SCHOOL [12TH] -
Spadix Matric Hr. Sec School
01.2005
MATRICULATION [10TH] -
Spadix Matric Hr. Sec School
01.2003
BACHELOR’S OF ENGINEERING [ELECTRONICS & COMMUNICATION] - Electrical, Electronics and Communications Engineering
Ponnaiyah Ramajayam Engineering
Skills
- Energetic and Motivated for Solving Difficult Situations on Work Positions
- Easy to adapt new role & to face challenges
- Eagerly expecting to change my career from Credit banking to Credit analyst
- Interested to learn new certifications if need
- 8 Years hands on experience in Retail & MSME Loans portfolio
- Analyzing Salary payslips/ITR for eligibility
- Assessing proposals using Deduplication, CIC verification and ground analysis
- SME in the field of credit analysis, Retail Loans assessing, Risk Management, Legal Documentation, Implementation of Risk practice in line with Regulatory framework, branch Operation & Leading Functional Teams
- Credit Retail Grading/Rating of applicants
- Excellent capability of managing the operations of the financial sector
- In-depth knowledge of each job and supervising each department
- Expertise in providing the best solution to the organization which give the bank a new direction of development
- Proficient in executing the programs using the limited resources
- Providing banking solutions to the rising needs of the customers
- Proficient in Account, Cash and Stocks Reconciliation
- Experience in Service Operation Management
- Field Experience of NPA Recovery
- Operations Management
- Product and service knowledge
- Compliance understanding
- Retail Operations Management
- Financial Management
- Customer Relations
Certification
Certified AML/KYC analyst by VSKILLS
Linguisticsabilities
English and Tamil
Roles And Responsibilities
- Handling of Asset & Liability accounts
- Evaluation eligibility using Payslips,ITR,Form 16 and CIC checks
- Evaluating Retail loans of Housing loans,Personal Loans,Mortgage Loans etc
- Authorising & Evaluating Overdrafts and MSME loans
- Maintain updated knowledge of regulatory & legal issues in the banking industry.
- Review financial information & GST Returns and market trends by direct inspection of a firm/company.
- Thorough evaluation of a firm/company’s financials using CIC and GST and fixing Drawing power
- Maintaining insurance for loans stocks,collaterals
- Preparing of MTR/CMF available for 3cr above accounts every quarter
- Sourcing ,processing and documentation of all types of Retail and MSME proposals ( Eg.car loan,home loan,education loan,OD/OCC etc)
- Recovery of non performing assets (NPA)
- Tools used for assessing of loans are CBS,CIBIL,CRIF,CERSAI
- Responsible for all types of account openingmKYC,Cash related transactions,customer complaints,government schemes,ATM system handling
- Managing team in operations such as account management,customer service,financial operations and other bank functions
- Verifying customer onboarding documents ie. Officially valid documents in line with AML/KYC terms
- Well versed with global KYC AML concepts like FIU-IND,APRA,ASIC,AUSTRAC,BSA ACT,PATRIOT ACT,OFAC,FINCEN
- Verifying source of funds,income certificates,salary slips and credit score of the customers
- Verifying names of proposed customers with RBI’s defaulter list and sanction list
- Reviewing all required AML/KYC regulatory requirements for all customers and analysing any transactions that appear unusual based on customers profile.
- Categorizing the customer in to low,medium and High risk profiles according to their profiles maintained with bank and performing Customer due diligence (CDD), Enhanced due diligence (EDD)
- Conducting PEP (politically exposed person) and adverse media searched of the customers.
- Determining correct internal risk rating and obtaining external risk Experience for the customers
Personal Information
- Date of Birth: 10/05/88
- Nationality: Indian
- Marital Status: Married
Disclaimer
I declare that all the above information is correct to the best of my knowledge.
Languages
Tamil
First Language
English
Proficient (C2)
C2
Timeline
ASSISTANT MANAGER
CANARA BANK
08.2014 - Current
ASSOCIATE
KOTAK MAHINDRA BANK
06.2013 - 06.2014
SINGLE WINDOW OPERATOR
KARUR VYSYA BANK
11.2011 - 05.2013
HIGHER SECONDARY SCHOOL [12TH] -
Spadix Matric Hr. Sec School
MATRICULATION [10TH] -
Spadix Matric Hr. Sec School
BACHELOR’S OF ENGINEERING [ELECTRONICS & COMMUNICATION] - Electrical, Electronics and Communications Engineering
Ponnaiyah Ramajayam Engineering
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