Clemen Kamal Raj

Lending Solutions Team (LST):

· Played a key role in the successful migration of the Portfolio Monitoring process from the LST team to GBS—the first of its kind—by ensuring all migration criteria were met and acting as a core contributor to the transition.

· Analyzed high-net-worth (HNW) client portfolios against predefined credit conditions, generating bi-weekly reports with detailed risk insights for submission to the Credit Risk team.

· Developed consolidated review modules for Ultra High Net Worth (UHNW) clients, supporting half-yearly analytical reviews and executive-level reporting.

· The successful execution of Phase I of the LST migration paved the way for Phase II, involving an enhanced monitoring process, which is currently underway and progressing as planned.

Credit Documentation:

· Effectively supported the migration of HK & SG credit documentation processes, ensuring a seamless transition within defined timelines.

· Prepared credit documents for both on-boarding and existing clients in compliance with credit regulations, while coordinating closely with Relationship Managers to understand and fulfill client requirements.

Credit Admin (Collateral Management):

· Worked with collateral management Credit admin team for Singapore and Hong Kong BCs, ensuring compliance with process guidelines, timely action on daily eBCA-approved cases, and accurate work allocation to meet daily targets.

· Oversaw end-to-end renewals for SG property valuations and fire insurance by coordinating with external valuers and client RMs, ensuring timely completion and minimal risk exposure.

· Drove operational excellence through process monitoring, reconciliation tracking, quality breach control, and adherence to TAT/FIFO standards within a high-stakes Private Banking environment.

· Acted as a key liaison for internal audits, facilitated team huddles, addressed quality feedback, and implemented corrective measures while ensuring transparent escalation and reporting to senior management.

• Managed end-to-end UK mortgage lending operations, including work allocation, lifecycle event handling, facility and collateral administration, and closure activities across products like mortgages, loans, overdrafts, and portfolio finance.
• Ensured timely preparation of redemption statements, coordinated with client solicitors for fund recovery, and executed jurisdiction-based discharge activities while maintaining strict SLA compliance.
• Drove team performance through regular huddles, mentoring, and knowledge-sharing initiatives; monitored process execution, and generated weekly reports to highlight risks and maintain operational controls.

• Led a team of over 40 members in UK Banking and Insurance complaints, ensuring adherence to SLAs and compliance with KYC/AML regulations.
• Conducted data-driven audits to enhance quality control and identify process improvement opportunities.
• Delivered training programs for over 90 new hires, promoting operational efficiency and service excellence.

Handled insurance mis-selling complaints by analyzing customer and policy data, verifying evidence, and ensuring regulatory compliance (FOS). Processed refunds, drafted final response letters, maintained team MI reports, and led training for new joiners.

• Reviewed and corrected U.S. healthcare insurance claims for timely resolution of declined cases. Prioritized high-value claims to maximize financial recovery.
• Ensured quality documentation and effective communication during calls to support claims processing.
• Processed appeals for aged claims to secure outstanding payments.