Dharani R S
Chennai
Summary
Accomplished Senior Analyst with expertise in financial analysis and credit assessments at Barclays Global Solutions. Proven track record in enhancing operational efficiencies and making informed loan eligibility decisions. Adept at risk assessment and analytical thinking, driving portfolio quality improvement. Successfully maintained mortgage credit quality, achieving reduction in loan default rates.
Overview
11
11
years of professional experience
Work History
Senior Analyst
Barclays Global Service Center Pvt Ltd
Chennai
06.2024 - Current
- Reviewing and verifying loan applications and supporting documents, by collaborating with cross-functional teams to enhance operational efficiencies.
- Analyzing borrowers' ability to repay loans by evaluating creditworthiness and potential risks.
- Interacting with loan originators and processors to obtain additional documentation or clarification.
- Monitor and manage the portfolio in order to maintain mortgage credit quality by conducting ongoing assessments of loan repayment risks.
- Make loan eligibility decisions, approve or reject applications, and review and specify loan conditions as necessary.
- Maintaining up-to-date knowledge of various lender policies and loan products, and documenting and justifying decisions if loans are approved despite potential risks.
Credit Analyst –II
Kapitus Strategy Services Pvt Ltd
Chennai
08.2021 - 02.2024
- Conducted underwriting and financial analysis by evaluating key financial ratios based on the 4 C’s.
- Performed background credit profile and risk profile analyses prior to loan categorization.
- Executed risk assessments on potential merchants considering borrowing history, credit rating, and industry experience.
- Analyzed relationships with existing merchants to perform renewal underwriting.
- Underwrote current risks and provided timely quotes to support Trusted Merchants.
- Reviewed merchant performance statistics and negotiated terms for renewals and add-ons.
- Scheduled payments on Variable automated clearing house reflecting true revenue of merchants.
Executive – Payments Acquiring & Prepaid Cards
T & M Services Private Ltd Deputed at IDBI Bank Ltd
06.2015 - 03.2019
- POS, IPG & Digital Banking Products
- On Boarding Customer in the Application
- Scheduling ID generation for customers in Banking
- Handling Customer queries and responding at L1 and L2 Level
- Escalating Customer queries to the concern Department and following up
- Maintaining MIS for sales & target achieved
- Generating Quick Response Codes for customers from banks application.
Senior Representative Executive
Dell International Services Private Limited
11.2014 - 06.2015
- International accounts receivable Voice Calling Process
- Service desk technical task
- Responding the incidents within SLA
- Monitoring and assessing the process at L1 Level
- Handling the queries and responding
- Escalating the issue to next level and following up until resolved
Education
MBA - HR - Finance
Sri Venkateshwara College of Engineering and Techn
Chennai08.2021
B.E - Computer Science Engineering
PMR Engineering College
Chennai05.2014
Higher Secondary -
Velammal Matriculations Higher Secondary School
Chennai05.2010
Skills
- Financial analysis
- Credit assessments
- Risk assessment
- loan underwriting
- Analytical thinking and attention to detail
- Decision making
Languages
English
Proficient (C2)
C2
Tamil
Native
Native
Malayalam
Upper Intermediate (B2)
B2
Timeline
Senior Analyst
Barclays Global Service Center Pvt Ltd
06.2024 - Current
Credit Analyst –II
Kapitus Strategy Services Pvt Ltd
08.2021 - 02.2024
Executive – Payments Acquiring & Prepaid Cards
T & M Services Private Ltd Deputed at IDBI Bank Ltd
06.2015 - 03.2019
Senior Representative Executive
Dell International Services Private Limited
11.2014 - 06.2015
MBA - HR - Finance
Sri Venkateshwara College of Engineering and Techn
B.E - Computer Science Engineering
PMR Engineering College
Higher Secondary -
Velammal Matriculations Higher Secondary School
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