Jayasimha G

Collaborated closely with credit risk managers, overseeing the comprehensive loan provision process for clients (HNW) and Ultra-High-Net-Worth (UHNW) clients across Asia and EMEA.

· Credit & Underwriting: Underwrite and structure Security-Based Lending (SBL), Term Loans, and derivative credit facilities secured by marketable securities (e.g., Equities, Mutual Funds, Private Equity), performing Loss Given Default (LGD) analysis to mitigate credit risk.

· Team Leadership & Management: Led an 08-member cross-regional team (Asia & EMEA) responsible for the full loan provision and renewal lifecycle. Successfully migrated the EMEA France Annual Review process from an onshore partner to India, enhancing operational efficiency.

· Portfolio Management & Operations: Oversee all aspects of daily portfolio management, including facility maturities, annual client reviews, temporary extensions, and collateral management. Coordinated with global partners on volume forecasting, capacity planning, and operational improvements.

· Stakeholder Collaboration & Due Diligence: Fostered cross-functional collaboration with Credit Risk Managers, Capital Advisors, and Bankers to accurately capture credit terms and conditions. Conducted in-depth client due diligence (KYC, AML risk, Jurisdiction risk) for various entities (PHC, LLC, Trust).

· Quality & Change Management: Oversaw quality control across Asia and EMEA regions, improving the quality score from 90% to 99% through targeted calibration. Led change management by developing BRDs, SOPs, KPIs, and KRIs to drive continuous improvement.

• Fraud Analysis (Red Flag Review, Value Review & Quality Check Review).
• Credit Analysis based on 4C’s Factor (Credit, Capacity, Collateral & Cash).
• Risk Calculations based on Ratios (Front End Ratios/ Back End Ratios & Loan to value ratios (LTV)/combined loan to value ratios (CLTV).
• Comparative analysis of Credit reports (Origination credit report Vs. Updated credit report).
• Performing Quality Check (QC) for the work done by the SMEs for any types of errors & Omissions.

• Pension benefit Calculation & Preparation of Pension Benefit Statements
• Maintain detail audit trails for all operational activities and maintain effective documentation.
• Review / Quality assurance assessments as per process documentation and ensure 100% accuracy.
• Interact with stakeholders, support teams and payroll to solve day to day queries or seek related information to help improve business for customers
• Monitoring Pension related adjustments in Payroll on weekly basis and escalate appropriately.

• Modifying loan terms based on investor, government guidelines and considering the customer’s financial statements.
• Determining the sources of income and calculating the income from different sources by verifying all the income docs.
• Checking thoroughly whether the customer is eligible for Government mod or an in-house mod.
• Approving Government mod or in-house mod depending on the eligibility of the customer and changing the loan terms as per the new modification.
• Declining the Government mod if not eligible and approving an in-house mod.
• Notifying the customer whether any mod was approved or declined.
• Timely resolution of Investor/Customer queries, which involves extracting information from the Company’s data sources and coordination with other departments.