Janani P

• Shriram can expand co-lending into new geographies and customer segments by leveraging the underwriting and distribution capabilities of Paytm, Wonderlend, Hero, Credac, and Davinda. FL and OLA will support with underwriting and loan servicing, while also ensuring that SCUF incurs no losses from this portfolio. The underwriting models and customer journeys of Paytm,Wondelend will be applied to SCUF’s customer base.

• IPL: Potential space for offering existing loan customer with new personal loan offer based on the existing loan will be providing to the customer according by their repayment. Customer who having existing loan with SCUF who made their repayment in the defined time are eligible for the loan.
  
  IPJ: Potential space for offering existing retail gold loan customer with a Top up offer on the Pledged Jewel will be provided to the customer considering the Surge in the Gold Commodity Price in the Market. Customers who are having current gold loan running with SCUF are eligible for the loan. If a customer is having multiple gold loans active with SCUF, Top up loan will be given against the highest loan amount sanctioned previously. If any incremental value (New loan amount-current outstanding value) is available for the already pledged running loan, customer can avail that as Top Up loan for a tenure of 3 months. Pre eligible customers’ data will be identified by on-site team and will be shared with digital team for further processing.

• Created RESTFUL Web API service using ASP.NET Web API to generate the loans and validate the customer details using ASP.Net 4.8 and SQL Server 2017.
• Develop detailed design and architecture.
• Implemented common APIs based on architecture guidelines and frameworks
• Implemented dynamic business rule engine.
• Analyzed system requirements and prioritizing tasks to team.

• Implemented API Framework and security practices for exposing API’s to third party vendors/ Mobile
applications.
• Implemented Webhook for automatically pushing responses from Website to CAS application.
• Troubleshooting & de-bottlenecking of the application to enhance the efficiency.

• Used Postman to test Web API functionality.
• User Scrum software development technology.
• Used GitHub for code management and version control.
• Implemented API key for authorization, the key will be regenerated frequently monthly basis.
• Implemented Penny drop and IMPS payment with Indus Bank.
• Delivered quality results on time with minimal supervision

• Customer Acquisition System (CAS) is a comprehensive loan origination software which controls and automates various business processes/activities performed in processing of a Loan. CAS allows financial institutions to integrate various processes for acquisition and pre-disbursal. It supports the entire acquisition lifecycle from customer walk-in to decision by the underwriter for the disbursement
  • Dynamic and robust workflow engine: Define workflows as per the product and scheme
  • User defined interface: Inclusion of dynamic forms and configuration of user-defined validations with robust rule engine
  • De-dupe: Perform search on the defined data set such as customer information, credit application information and databases
  • Policy management: Define the risk and credit policy rules and automatically perform a policy check on the applications
  • Process automation: Automate the decision process of a human underwriter
  • Exposure Calculation: Calculate customer’s total exposure across multiple loans

• Optimized resource allocation by identifying underutilized assets and reallocating them effectively within the organization.
• Identified areas of improvement through regular performance reviews, providing constructive feedback and coaching for team members.
• Ensured compliance with industry regulations and company policies, mitigating risks associated with non-compliance issues.
• Implementing dynamic pricing strategies for commercial loans, adjusted according to the offered loan amount."
• Designed and implemented rule engine logic to compute IRR based on key borrower attributes including credit bureau data, employment type, geographic location, and obligations.
• Currently Implementing product-wise database segregation to optimize query performance and reduce system load
  

• Developed a Common Control using List View to replace FairPoint Grid in the application.
• Worked in Converting application from. Net2.0 to .Net 4.0.
• Implemented H2H a File processing system for Processing Payments to the customers/Vendors.
• Developed Web Services for CRM application

Ultimate Non-Banking Operations and Accounting System (UNO) is an integrated multi-portfolio retail loan and Liability management solution that covers most of retail loan application processing, servicing and delinquency management integrated with online accounting entries. The solution has wide range of Modules.
• Worked in the application development for Jewel Loan Module for the client Shriram city union finance.
• Independently developed various device integrations in the application like Thumb device (Secugen), Scanner
, Web Cam etc.
• Created database Schema and Stored procedures for the Jewel Module

• Established Build Process using TFS Branch/Merge