Deepak Kulkarni
Credit Risk Analyst
Bangalore
Summary
Results-oriented Credit Assessment Officer with a proven track record in evaluating creditworthiness and assessing financial risks. Possessing strong analytical skills, meticulous attention to detail, and a comprehensive understanding of credit analysis principles. Seeking a challenging position to make a meaningful contribution to the success of a reputable financial institution. Actively pursuing a full-time role that presents professional challenges and allows for leveraging interpersonal skills, effective time management, and problem-solving expertise.
Overview
22
22
years of professional experience
8
8
years of post-secondary education
3
3
Languages
Work History
Credit Risk Analyst
Commonwealth Bank of Australia, CBA
Bangalore
12.2024 - Current
- Reduced credit risk by implementing comprehensive risk assessment strategies.
- Organized and finalized loan applications for underwriter review.
- Optimized internal controls within the organization's credit processes by implementing robust systems checks and balances.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Streamlined the loan approval process through effective communication between underwriters, sales teams, and clients.
- Recommended approval or disapproval of credit loans.
- Influenced changes in lending practices by staying abreast of regulatory requirements and best practices within the industry.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Adhered to banking standards and government lending guidelines for loan services.
- Assessed credit risk and analyzed financial statements.
Credit Assessment Officer
ANZ SUPPORT SERVICES PVT LTD
06.2022 - 12.2024
- Analyse credit applications, reviewed financial documents, and conduct in-depth risk assessment to evaluate the creditworthiness of loan applicants
- Increased interdepartmental collaboration by organizing regular meetings to discuss assessment results and strategies.
- Assessed the financial viability and repayment capacity of individuals and businesses, considering factors such as income, assets, debt levels, and industry trends
- Conducted thorough credit investigations, including verification of applicant information, credit history, and collateral valuation
- Utilized credit scoring models and statistical analysis to determine creditworthiness and assign appropriate risk ratings
- Prepared comprehensive credit assessment reports, highlighting key findings, risk factors, and recommended credit limits or terms
- Ensured compliance with state and federal regulations by maintaining thorough documentation of all assessments conducted.
- Conducted periodic reviews of existing credit facilities to identify potential risks and recommend appropriate actions
Chapter Expert - Document Preparation
ANZ SUPPORT SERVICES PVT LTD
10.2015 - 06.2022
- Assist in the development of the technical know-how of the Chapter and provide subject matter expertise in the improvement of processes and other initiatives
- Ensure process alignment within the teams and work closely with Quality teams and CSEs to address issues and improve outcomes
- Enable delivery for our customers, managing requests in a timely manner to the best possible outcome, collaborating and workshopping with team members as required
- Discuss complex customer issues with other team members to collectively resolve problems, thereby enhancing customer experience, and assist in the management of complex applications or escalations where required
- To keep an open dialogue with team members around objectives, adjustments, and decisions throughout the day to manage volumes (demand) and resources (supply)
- Have coaching discussions with Chapter members to support their development, e.g., addressing quality concerns or supporting acquisition of new skills
- Enable learning and development, coaching to ensure quality standards are met and accrediting new skills when regulatory and governance requirements are met
- Working closely with customer service experts to resolve escalated issues and complaints within my chapter
- Introduce and embed policy or process change within my area of expertise across all teams
- Preparation of mortgage loan documents for Individuals and Companies of Australia following the loan approval by the Credit Assessment team
- Allocation & equal distribution of work to the team to ensure the agreed SLA is met
Senior Analyst
Bangalore Software Services
08.2015 - 10.2015
- Preparation of mortgage loan documents for Individual customers and Companies of Australia following the loan approval by the Credit Assessment team
Senior Associate - Operations
WNS GLOBAL SERVICES
07.2009 - 07.2015
- Played key role in successful transition of the Full Cycle Insurance process from Ireland, which went BAU in the month of May '10
- Reporting - Publish daily report to the higher management
- Daily MI, Ensure SLAs are met daily
- Underwriting for Aviva customers relating to their Motor policies
- Assisting brokers with their systems by reviewing their codes and resolving technical issues with the policies
- Maintaining Full Cycle Account for the customers and making necessary midterm amendments to their policy as per request through a designated broker
- Training the new team members in understanding of the process, this involves daily transactions directly with the brokers in Ireland
Senior Customer Support Associate
ACCENTURE SERVICES PRIVATE LIMITED
11.2008 - 07.2009
- Handling customer's queries related to their motor insurance policies
- Setting up policies related to Motor and Home
- Making Mid Term amendments to the existing policies
- Studying the valuation report of the vehicle to provide discounts on the motor quotes
- Cross selling Home & Pet Insurance
Customer Support Expert
DELL INTERNATIONAL SERVICES
07.2003 - 06.2008
- Booking contracts for Dell Corporate customers who finance through DFS
- Ensure that all contracts are processed with error free
- Ensure all contracts are funded in a timely manner
- Coordinate and assist the team members to ensure contracts are booked error free
- Involved in solving complex issues and highlight the team member's performance
- Training new hires
Education
Bachelor of Science - Science
National College, Jayanagar.
Bangalore, India 04.2001 - 10.2008
Skills
- Risk assessment expertise
- Retail Banking
- Know your customer (KYC)
- Escalation Management
- Subject Matter Expert
- Quality Control
- Banking Regulations and Compliance
- Effective client relations
- Effective problem resolution
- Relationship building and Management
Tools Handled
- Host on Demand/Passport
- Retail Lending Management (RLM)/PEGA
- Retail Lending System (RLS)
- ORCA
- Dye & Durham (D&D)
Timeline
Credit Risk Analyst
Commonwealth Bank of Australia, CBA
12.2024 - Current
Credit Assessment Officer
ANZ SUPPORT SERVICES PVT LTD
06.2022 - 12.2024
Chapter Expert - Document Preparation
ANZ SUPPORT SERVICES PVT LTD
10.2015 - 06.2022
Senior Analyst
Bangalore Software Services
08.2015 - 10.2015
Senior Associate - Operations
WNS GLOBAL SERVICES
07.2009 - 07.2015
Senior Customer Support Associate
ACCENTURE SERVICES PRIVATE LIMITED
11.2008 - 07.2009
Customer Support Expert
DELL INTERNATIONAL SERVICES
07.2003 - 06.2008
Bachelor of Science - Science
National College, Jayanagar.
04.2001 - 10.2008
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