Summary
Overview
Work History
Education
Skills
Certification
Affiliations
Timeline
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Charuchandra Preetha Jayachandran

Charuchandra Preetha Jayachandran

Belfast

Summary

Analytical and results-oriented banking professional with over 7 years of experience across credit risk, portfolio management, and operational compliance in both customer-facing and centralized banking environments. Proven ability to analyze credit portfolios, assess financial risk, and support data-driven decision-making through structured reporting and insight generation. Successfully led a centralized KYC/onboarding department, improving process controls and delivering timely MI for compliance and audit functions. Experienced in preparing and interpreting credit performance data, with a track record of collaborating with cross-functional teams to enhance operational efficiency and regulatory readiness. Holds an MSc in Risk and Investment Management from Queen’s University Belfast, FRM Part 1 certification, and currently works in the UK banking sector. Comfortable communicating with stakeholders across all levels and passionate about using data insight to inform forward-looking credit risk strategies.

Professional with strong background in customer support, ready to excel in this role. Proven ability to address customer needs effectively and maintain high satisfaction levels. Skilled in conflict resolution, communication, and problem-solving. Known for consistent collaboration and adaptability, ensuring team success and meeting changing demands.

Overview

10
10
years of professional experience
2
2
Certifications

Work History

Customer Advisor

Danske Bank
02.2025 - Current
  • Serve as the first point of contact for customers, assisting with banking transactions, resolving queries, and providing tailored financial solutions.
  • Promote digital banking tools to drive efficiency and enhance customer engagement.
  • Ensure adherence to AML and KYC compliance requirements.
  • Support escalation resolution and contribute to continuous service improvements.

Branch Manager

Bank of India
05.2022 - 09.2022
  • Led branch operations with a focus on optimizing profitability while maintaining strict compliance standards.
  • Conducted comprehensive evaluations of loan applications, leading to improved decision-making and loan quality.
  • Implemented proactive measures to address operational challenges, ensuring smooth and secure branch functions.
  • Built strong rapport with new and existing clients to serve financial needs better and promote branch loyalty.
  • Mentored staff to increase sales success and productivity.

Department Head, Zonal Centralized Operations Department

Bank of India
08.2021 - 04.2022
  • Managed centralised customer onboarding and KYC operations for retail, SME, and NRI clients.
  • Oversaw processing of 1000+ account opening requests per month, covering both branch and digital channels.
  • Led a 10-member team, improved turnaround times via digitalisation and workflow optimisation.
  • Delivered MI reports on onboarding trends and compliance gaps to senior stakeholders.
  • Implemented SOPs to reduce rework and enhance document quality.
  • Coordinated AML screening, EDD processes, and CKYC reporting.

Credit Manager

Bank of India
07.2018 - 07.2021
  • Managed a diverse portfolio of retail and business loans, conducting thorough financial analysis to determine creditworthiness.
  • Developed and implemented strategies to minimize exposure to potential defaults.
  • Regularly reviewed loan portfolios to identify and address emerging challenges, maintaining the bank's financial health.
  • Managed all reporting, documentation, and record-keeping requirements for the department.
  • Monitored accounts for signs of fraud and non-payment issues.

Assistant Manager Deposits and Administration

Bank of India
08.2015 - 06.2018
  • Oversaw deposit account management, ensuring compliance with all applicable regulations.
  • Conducted audits and reviews of branch operations, addressing any issues promptly.
  • Supported staff in delivering high-quality service and maintaining operational standards.

Education

MSc - Risk and Investment Management

Queen's University Belfast
Belfast, BFS
01.2024

BTech - Civil Engineering

Mahatma Gandhi University
05.2013

Skills

  • Risk Measurement and Management
  • Financial analysis and planning
  • Equity Valuation
  • Regulatory compliance
  • Investment Management
  • Derivatives and Fixed income products
  • KYC, AML

Certification

FRM Part 1 July 2024

Affiliations

  • Global Association of Risk Professionals (GARP).
  • Member, Indian Institute of Banking and Finance

Timeline

Customer Advisor

Danske Bank
02.2025 - Current

Branch Manager

Bank of India
05.2022 - 09.2022

Department Head, Zonal Centralized Operations Department

Bank of India
08.2021 - 04.2022

Credit Manager

Bank of India
07.2018 - 07.2021

Assistant Manager Deposits and Administration

Bank of India
08.2015 - 06.2018

BTech - Civil Engineering

Mahatma Gandhi University

MSc - Risk and Investment Management

Queen's University Belfast
Charuchandra Preetha Jayachandran