Aswathy MM
Manager - Credit initiation
Bangalore
Summary
- To work in a progressive and stimulating business environment that could leverage my technical and analytical skills and sharpen my financial acumen to contribute, innovate, and manage challenges to further the growth of the organization and self.
- 10+ years of Experience in operations, Credit underwriting, CDD, Quality assurance, Governance, audit, hind sighting, current account- Savings account onboarding, lending products (Wealth management, Personal Loans, Credit cards, Overdraft)
- Framing & implementing operational and credit related strategies and ensuring adherence to business.
- Portfolio check and arresting the overall delinquency rate monthly.
- Analyzing the portfolio for the location and underwriting on basis of the inferences derived out of study and prescribed policy.
- Handling Pan India related queries and escalations.
- Expertise in providing the best solution to the organization which give the organization a new direction of development.
- Proficient in executing the programs using the limited resources within time constrain.
- Work with Relationship managers and credit risk team to assess credit opportunities, identify key risks, and structure alternatives (ACD).
- Conducting timely covenant compliance review and analysis to include managing, approvals, waivers, and default letters.
- Supervise and manage the activity of the other credit analysts, ensure adequate workloads, support, and career development opportunities.
- Assist the stakeholders in developing the best suited propositions for the business.
Overview
10
10
years of professional experience
7
7
years of post-secondary education
5
5
Certifications
5
5
Languages
Work History
Manager -Credit Initiation
Standard Chartered bank
09.2022 - Current
- Assessing the credit worthiness of customers through customer interviews, application forms and documentation checks
- Achieving the overall goals of disbursements without compromising on credit quality through relationship management, geographic reach, quick decision-making using customer inputs and data analytics, issue resolution at the ground level and strong compliance control
- Monitored all credit requests and approved and disapproved it after analyzing it
- Ensuring the above process is within the defined TAT's and comprehensive follow-up with the verification agencies to provide reports within prescribed TAT of the various locations
- Scheduling and conducting team meetings, process training and continues refreshing sessions on new policies
- Preparing team leave/ WO /holiday schedules and make action planning
- Accelerating sales requirement with working on auto credit decisions/logins for continues business improvement
- Credit limit enhancement review and approval for existing account holders
- Continues evaluation of issues/gaps in bank reports and coordinating with tech team to have the defects fixed
- Undertaking QA validation for all verification process and identifying process gaps and manual errors in the process
- Continues review on audit exceptions for better understanding on key risk area and always ensure to send continues feedback to the entire stakeholders for qualifying all risk and RCA submissions
- Yearly bulletin reviews and provision to new process circular by aligned to the current bank policy
- Hind-sighting observation review and analysis
- Managing area of risk related to Quick mortality, automated exception, validation of SAS code on new policy amendment for running the automated QA report, SPD /FPD reviews (delinquency), limit enhancement and wealth management process, concurrent audit reviews along with other key activities and BAU
- Identifying bureau frauds, identity, verification frauds and preparing investigation reports
- Conducting CFM (cross function meeting) meeting and evaluating all the business aspects by giving continues feedback to the sales, business, policy, collection, and other stakeholders and looking headlong for the approval rate and reduce the repeated rework for better TAT
- Handling escalations, login and other policy related approval, bureau edit queries, audit support, automation project support, integrations, report enhancement as per new requirements in master dump, analyzing and implementation of new ideas/techniques in process which improves the quality of business.
Senior Officer- Operations
Standard Chartered GBS
12.2016 - 09.2022
- Thorough and detailed knowledge in credit card CDD, credit check, credit card management system, fraud Management system
- Maintained frequent interaction with senior management to measure goal achievement and determine areas of improvement and frequent co-ordination with all key stakeholders
- Responsible for completion of risk initiatives, escalation, and RCA's
- Handling pan India helpdesk queries, reports, team meeting and other functions
- Analyzed financial statements, bank records and government databases to identify fraud and other instances of financial crimes
- Partnered with fraud manager to research and investigate cases
- Identified threats, vulnerabilities, and suspicious behavior in documents to recommend mitigation measures
- Handled various type of credit card programs including Insta card setup, bill desk, paperless program, multi card and supplementary card onboarding
- Supervised many automation projects regarding to bank policy change in regard with RBI rule
- Instrumental in giving training to new Recruits & also on new products to the fellow employees.
Process associate- Operations
TCS (Tata Consultancy Services)
06.2014 - 06.2016
- Contribution to both Citi bank-Australia (2014-2015) & Mashreq Bank -UAE (2015-2016) in wealth management process as checker role
- Managing Branch & online account openings for Citibank Online Saver, Citibank Plus, Citibank Plus linked account, Citibank Ultimate Saver, Multicurrency account, Term deposit accounts, Journals, Customer due diligence (CDD)
- Processing escalations from AML Team regarding specially designated nationals (SDN) and Politically Exposed Persons (PEPs)
- Creation of various MIS for the logins and declines which improve the quality and quantity of the products sourced by the different Agencies of the Bank.
Education
SAP FICO - Associate Level Consultant Training -
07.2016 - 05.2016
MBA Human Resources Management (Distance) - undefined
06.2014 - 05.2016
Bachelor of Commerce Computer Application - undefined
06.2011 - 05.2014
Commerce Computer Application - undefined
06.2009 - 05.2011
Skills
Microsoft office
undefinedCertification
CDD certification
Accomplishments
- Achieved Spot award for the contribution of exemplary support towards CPBB operations for multi-tasking with accuracy and efficiency -Year 2022
- Achieved Best performer GEM award by introducing accuracy & error management tool for BAU tasks & Nil error processor -Year 2015
- Star performer award for the best performance and Nill error -year 2014
Permanent City
Wayanad
Personal Information
- Father's Name: Mani M A
- Gender: Female
- Marital Status: Married
Residing City
Bangalore
Timeline
Manager -Credit Initiation - Standard Chartered bank
09.2022 - Current
Senior Officer- Operations - Standard Chartered GBS
12.2016 - 09.2022
Cokonet Technologies - SAP FICO - Associate Level Consultant Training,
07.2016 - 05.2016
Process associate- Operations - TCS (Tata Consultancy Services)
06.2014 - 06.2016
Bharathiar University Arts & Science College - MBA Human Resources Management (Distance),
06.2014 - 05.2016
Bharathiar University Arts & Science College - Bachelor of Commerce Computer Application,
06.2011 - 05.2014
SN Higher Secondary School - Commerce Computer Application,
06.2009 - 05.2011
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