Keith D’Souza

• Identified and solved issues with workforce and vendor sourcing to drive business objectives.
• Resolved issues and recommended actions based on production and compliance reports.
• Identified opportunities to improve business process flows and overall departmental productivity.
• Led operational team in creation, roll out and management on new policy lines.
• Hired and managed employees to maximize productivity while training staff on best practices and protocols.
• Established performance goals for department and provided methods for reaching milestones.
• Interviewed, supervised and motivated staff members to achieve optimal productivity.

• Responsible for P&L of credit card underwriting valued at INR4000cr in credit card outstanding
• Provide a balance between Sales and Credit to ensure that the desired approval rates are achieved within pre-set credit quality parameters
• The job involves ensuring a balance between aggressive portfolio growth and delinquency
• One of my responsibilities is to provide direction and support to our Sales team (sourcing segments/locations), Branch Banking and Risk teams
• Custodian for the credit card portfolio (through quality underwriting standards) for West, East & North India
• Responsible for ensuring stability of and leading a large underwriting team comprising of 60 members
• Monitoring underwriting, reviewing credit requests and maintaining an appropriate credit line for new customers
• Evaluation of terms & conditions of vendor contracts and co-ordinate with various teams to prepare appropriate documentation
• Ensure that my team underwrites card applications within the policy framework & also ensure that credit lines are within the risk appetite of the bank
• Hiring, training & appraising underwriters
• Achievements
• Achieved targeted turnaround 4 months faster than planned
• Reduced cost per card beyond budgeted levels
• Generated approximately Rs 50 lacs in annual savings by employing new procedures which streamlined vendor process & quality.

• Ensured processing of credit card applications with increased volumes and provided solutions to ensure that the business objectives of 'optimal TAT' and ‘excellent customer service' were met
• Analyzed and reviewed documentation to verify accuracy of application and supported underwriting decision
• Ensured that approval rates were maintained across sourcing segments
• Ensured vendor recruitment i.e., recruitment of vendors (verification / data preparation /Imaging vendors); Standardized credit Processes across vendors to ensure consistency
• Coordinated with bank empanelled vendors to train Sales teams in working of the credit review process
• Reviewed credit risks and implemented all operational policies

• Ensured that the overall CPV & cost benchmarks were achieved
• Managed vendor recruitment at lower rates when compared to industry standards
• Ensured that TAT was within set benchmarks with due emphasis on quality parameters
• Ensured smooth installation of a new ‘application processing system’ across centers & vendors through coordination with various teams

• The job involved evaluating, scrutinizing and ascertaining the credibility of prospective customers based on details submitted by the applicant
• Analyzed reports so as to discern discrepancies between information provided by the applicant and that received from the verification agency
• Assigned limits in accordance with the Bank policy or as per the customer credit-worthiness.

· The core aspect of the job involved identifying & selling cards to potential customers whose profile suited the criteria required for the premium segment Citi credit cards.

· Identifying the credit-worthiness of these potential customers and ensuring that they do not default on their payments.

·Payment recovery in case of defaulting customers.

Worked with “Amgee Computers Pvt. Ltd,.”– A channel partner of HCL Info systems Ltd., as a Product and Support Executive.

Worked with “M/s. Triunion Commercial Services”– a Direct Sales Associate of “Countrywide Financial Services Ltd.”, as a Business Executive.