MAHADEVA P
Bangalore
Summary
Dynamic and motivated professional with over 9 years of experience in NBFC and banking, specializing in fraud and risk operations, chargebacks, loan operations, prepaid cards, fraud monitoring, and quality assurance. Adept at managing and leading processes to ensure successful operations. Skilled in implementing process improvements through multiple kaizens and transitions. Experienced in developing procedures and service standards for business excellence.
Overview
8
8
years of professional experience
Work History
Associate Manager
Standard chartered Bank
Bangalore
07.2023 - Current
- India Disputes and Post Booking Investigation process comprising of 70% Utilization, SPD FPD and Charge Off
- Extensive knowledge on 3D secured, ATM, Skimming, Card present disputes, Staff fraud cases referred for Pan India
- Investigation knowledge on Credit cards SPD FPD & Charge off cases to identify the root cause for the defaults in the payments
- Worked on Early Utilization of Credit cards to identify fraud in credit card issuance Comprehensive knowledge of multiple payments modes includes POS, MPOS, QR code, E-Wallets, UPI
- On-board of vendors at pan India level for merchant onsite verification and investigations for suspected and fraudulent cases
- Recommended changes to the process control environment or to business practices, to reduce the level of fraud risk exposure to within the agreed appetite
- Coordinating with Visa / Master / ARCOT Team with respect to reports & issue in transactions on cards
- Resolutions of dispute, where the customer has disputed charges of Frauds like Skimming, Not received card, Account Takeover, Lost/Stolen, Misuse of Account number.
Team Leader
Standard Chartered Global Business Service Pvt Ltd
10.2019 - 06.2022
- Escalation Handling & Stakeholder Management which includes detailed review on Loan disputes related to LAP, Mortgages cases for Pan India received for Post Booking Investigations
- India Disputes and Post Booking Investigation process comprising of 70% Utilization, SPD FPD and Charge Off
- Extensive knowledge on 3D secured, ATM, Skimming, Card present disputes, Staff fraud cases referred for Pan India
- Investigation knowledge on Credit cards SPD FPD & Charge off cases to identify the root cause for the defaults in the payments
- Publishing of detailed reports on Lending and Non-Lending cases referred by Collections Team
- Significant experience managing various loan operations and portfolios
- Solid knowledge of loan procedures and credit documentation
- Worked on Early Utilization of Credit cards to identify fraud in credit card issuance Comprehensive knowledge of multiple payments modes includes POS, MPOS, QR code, E-Wallets, UPI
- On-board of vendors at pan India level for merchant onsite verification and investigations for suspected and fraudulent cases
- Recommended changes to the process control environment or to business practices, to reduce the level of fraud risk exposure to within the agreed appetite
- Coordinating with Visa / Master / ARCOT Team with respect to reports & issue in transactions on cards
- Resolutions of dispute, where the customer has disputed charges of Frauds like Skimming, Not received card, Account Takeover, Lost/Stolen, Misuse of Account number.
Senior Executive
India bulls housing Finance
04.2016 - 09.2019
- Working as a FCU Officer in India bulls housing Finance from April 2016 to Till date (Handling India bulls home loans/e mortgage)
- Handling E sampling for six states in South & East on rotational program
- Maintaining daily and monthly MIS for better agency tracking of cases
- Feet on street verification for HR referred cases for new employee
- Loan applications are screened thoroughly and suspected cases are referred to specialized risk management agencies that verify the authenticity and profile of the applicant and the integrity levels of the sales channel
- Working closely with various other functions in the organization like Sales, Credit, Operations & HR for compliance of policies, procedures
- Conduct training on FCU Vendors on fraud trend to team periodically
- Ensure TAT is strictly maintained & delivering to concern stake holders across product and assign activities
- Maintaining MIS and reporting to Location Manger on monthly basis
- Feet on street investigation on Fraud cases and taking them to Logical Conclusion.
Location Manager
HDFC bank
Bangalore
07.2022
- Escalation Handling & Stakeholder Management which includes detailed review of credit card applications
- Investigation knowledge on Credit cards to identify the root cause of fraud applications
- Responsible for handling screening and sampling of credit card and personal loan applications
- Focus on TAT / Hit rate / Fraud / Fraud Exposure Savings
- Decisioning of credit card applications, corporate cards , personal loan applications and prepaid cards
- Carrying out executive and customer investigation and initiating necessary action wherever applicable
- Investigating and initiating warning letter to DSA and terminating DSA executive whenever fraudulent application is logged-in into system
- Initiating police complaint against the fraudulent customer
- Investigation of Central Fraud Registry cases reported to RBI to identify documentary fraud
- Conducting cross functional training with different stake holders to highlight the decline and fraud trend
- Conducting DSA Surprise Visit to identify process lapse
- Cross check of digitally approved cases, agency reports to identify lapses
- Reviewing of limit enhancement and credit card up-gradation applications
- Timely closure of MHA cyber crime complaints
- Feet on street verification for HR referred cases for new employee
- Conduct training to RIC Vendors on fraud trend periodically
- Vendor management
- Vendor billing
- Maintaining MIS and reporting to state head on monthly basis
- Significant experience in managing various credit cards , loan operations and portfolios.
Education
BA (Arts) -
Seshadripuram Main College, Bangalore University
01.2011
PUC (HEPS) -
Seshadripuram Pre-University College, PU Board of Karnataka
01.2009
SSLC -
Government High School, SSLC Board of Karnataka
01.2006
Skills
- Fraud and Risk Management
- Loan Investigations
- Knowledge on India Fraud pattern
- Knowledge on quality tools
- Knowledge on MS Office
Otherexperiences
- Best DBM Solution, Data Entry Operator, 12/2012 - 08/2013
- Tangent Securities, Sampler, 10/2013 - 12/2014, HDFC
- OM Shree Sai Associate, Sampler, 12/2014 - 06/2015, Kotak Mahindra Prime Ltd
- Ditha Consultancy, Sampler, 07/2015 - 08/2015, Kotak Mahindra Prime Ltd
- Kotak Mahindra Bank Ltd, RCU Coordinator, 09/2015 - 03/2016, Kotak Mahindra Prime Ltd
Personal Information
- Date of Birth: 04/22/1991
- Nationality: Indian
Languages
- Kannada
- English
- Hindi
Disclaimer
I assure that I will prove myself the best if an opportunity is given and I believe that I have the required skill set for job applied.
Timeline
Associate Manager
Standard chartered Bank
07.2023 - Current
Location Manager
HDFC bank
07.2022
Team Leader
Standard Chartered Global Business Service Pvt Ltd
10.2019 - 06.2022
Senior Executive
India bulls housing Finance
04.2016 - 09.2019
BA (Arts) -
Seshadripuram Main College, Bangalore University
PUC (HEPS) -
Seshadripuram Pre-University College, PU Board of Karnataka
SSLC -
Government High School, SSLC Board of Karnataka
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