ANDREW FELIX J

• Managing fraud risk investigations across retail lending, partnership, and digital banking channels.
• Conducted end-to-end fraud investigations covering evidence gathering, transaction analysis, and customer due diligence across SME and retail banking portfolios.
• Investigated fraud typologies including identity theft, first-party, third-party fraud, and collusion risks, while implementing detection tools and case management systems to strengthen fraud prevention capabilities.
• Prepared investigation reports and root-cause analyses with actionable recommendations, collaborating with risk, compliance, and operations teams to strengthen fraud controls and mitigate risk exposure.
• Monitored fraud risk metrics and emerging trends to identify operational risk indicators, ensuring compliance with Group Policies and FRM standards while supporting regulatory adherence.

Manager Credit Initiation - Retail Lending Products - Till February 2026

• Executed credit origination decisions within delegated authority, holding approval limits of up to INR 30 lakh for loans and INR 10 lakh for credit cards.
• Ensured strict adherence to Credit Initiation policies, Group Policies, and Standards, while proactively monitoring operational risk metrics to identify and address potential vulnerabilities.
• Supported KPI tracking, UAT/UVT processes, and automation initiatives to optimize credit risk operations and enhance the overall testing environment.
• Managed vendor governance through service reviews and SLA oversight to strengthen third-party risk assessments.

• Analyzed financial data to identify risks in credit extensions for informed decision-making.
• Assessed customer creditworthiness through financial reports and payment histories, enabling informed lending decisions.
• Evaluated customer applications for credit limits, ensuring compliance with guidelines to reduce risk.
• Guided departments in developing credit policies and procedures, enhancing operational effectiveness.

• Recommended underwriting-compliant loan proposals for educational institutions across multiple cities.
• Assessed customer financial information using fee collection ledgers and bank statements to inform loan decisions.
• Conducted customer visits post-legal and technical initiation to ensure compliance.
• Developed income appraisal methods for customers with undocumented earnings.
• Led process improvement initiatives in risk management and reporting to enhance operational efficiency.
• Managed external agents for fraud investigation, legal verification, and technical evaluation.
• Monitored portfolio quality by analyzing delinquency levels and implementing regularization strategies.
• Supervised CPA personnel training to improve service delivery and policy adherence.

• Supervised daily lending activities across five East African countries, ensuring efficient data entry and timely product disbursement.
• Delivered lending services within established turnaround times, enhancing customer satisfaction.
• Managed customer inquiries and exceptional cases to achieve effective problem resolution.
• Facilitated early resolution of irregular items, reducing resolution time by 20%.
• Ensured compliance with internal procedures and control standards to minimize errors.
• Enforced adherence to KYC policies and group code of conduct, reducing operational losses by 25%.
• Implemented cross-training initiatives to improve operational versatility among team members.
• Coached a team of 12 through performance assessments and provided feedback for individual development.

• Approved credit applications by identifying risks and ensuring compliance with company policies.
• Maintained accurate portfolio performance records while proactively addressing late payments.
• Streamlined dissemination of credit decisions to ensure timely communication with sales organizations.
• Implemented quality review procedures to enhance work efficiency.
• Led reporting team of CPAs at RBL Bank to ensure adherence to policy and process standards.

• Exercised delegated authority of Rs. 5 lakh to approve personal loans.
• Recommended and approved credit applications according to established policies, mitigating potential risks.
• Ensured adherence to regulatory and company credit policies to reinforce compliance standards.
• Monitored and escalated adverse events in regional portfolio for timely risk management.
• Maintained portfolio quality through consistent monitoring and prompt remediation.
• Guided business and sales managers to enhance decision-making in credit applications.

• Analyze financial data including income, debt to income ratio, and loan value for mortgage approvals.
• Evaluated risks and reviewed collaterals, ensuring compliance with underwriting guidelines to facilitate loan approvals.
• Analyzed special conditions, loan deficiencies, and exception requests to recommend optimal solutions and support informed decision-making.
• Documented loan conditions and communicated requirements and decisions to account managers and loan officers, streamlining the approval process.

• Oversaw complete credit card underwriting process, ensuring compliance with policies and documentation requirements.
• Evaluated customer risk and underwriting capabilities within set turnaround times.
• Managed quality control for Hyderabad region, effectively resolving queries to uphold compliance and service standards.
• Facilitated monthly cross-functional meetings to align credit policy with sales strategies and enhance portfolio analysis.
• Maintained vendor relationships, overseeing training and invoice processing to streamline operations.
• Developed operational instructions and visual aids, significantly boosting productivity levels.
• Trained operational team on resource utilization and process optimization techniques.
• Monitored turnaround times, sales performance, and operational errors using management information systems.

• Held decisioning authority up to ₹75,000, executing credit approvals on loan applications in strict adherence to underwriting and regulatory guidelines.
• Monitored branch delinquency rates, conducted fraud checks, and collaborated with sales and collections teams to analyze customer performance and mitigate risk.
• Ensured TAT compliance, verified document authenticity, and resolved customer inquiries to maintain service quality and operational standards.

• Maintained strong adherence to policy guidelines across underwriting, approvals, and loan disbursement processes.
• Authorized credit templates, analyzed Two-Wheeler Loan agreements, and verified loan data accuracy during final disbursement processing