Merlyn Priyadarshini
DEPUTY MANAGER
Thirumullaivoyal
Summary
Proactive Deputy Manager with proven knowledge in Credit, Commercial banking, Risk management Team management and Underwriting. To secure a challenging position that will utilize my 6 years of experience and provide me the opportunity to grow professionally.
Overview
6
6
years of professional experience
4055
4055
years of post-secondary education
3
3
Certifications
3
3
Languages
Work History
Deputy Manager
Axis bank
03.2023 - Current
- Analyzed the NRV value of High Net worth customers and provided a detailed report on their networth, delinquency and existing exposure
- Analyzing CIBIL report, TSYS, investigations report and decisioning on providing credit to the customer
- Coordinated with the regulatory and control's team on delivering RBI CERSAI report
- Analyzed the closed cases for investigation queries and submitted the required documents to the RBI governance
- Performed operational risk assessments, designed and performed testing of controls, and issued reports to management for action.
- Managed 20+ employees working in vendor by assigning work, handling queries and queue processing
- Reduced staff by streamlining accounting functions and eliminating unnecessary work processes and non-value added activities, while maintaining strong internal controls.
Team Lead
Citi Bank
08.2022 - 02.2023
- Took ownership by managing Digital channel and achieved the booking target than the usual and received appreciation from VP and Stakeholders
- Handled CKYC generation for all NTB customers as per the RBI guideline and ensured it was generated within the timeline as per RBI norms and have received copper award for NIL Breach and for supporting to clear 3.5L KYC records
- Developed remediation plans, to demonstrate effective risk management of servicing operations, and promote sound foreclosure processing.
- Managed AML L2 screening and assessed the risk of the customer
- Managed 15+ employees in vendor on performing daily activities
- Published RBI reports to regulatory and controls team
- Reviewed and verified income document's, ITR and other financial information and equipped affluent credit cards
Senior Analyst
NatWest (UK Bank)
07.2018 - 07.2022
- Analyzed the financial information of corporate clients to determine their credit worthiness by analyzing due diligence, testing covenants and writing credit report for small and mid-corporate
- Examined the existing process and highlighted the process gaps, have included required process steps to mitigate the risk
- I have worked with the required documentation team to add the new process/ changes in the process
- Analyzed the end-to-end process and worked on automation tool by connecting with VCG team to simplify the process and reduce the internal operational risk
- Explained end to end work flow to external EY audit and submitted required testing cases
- Liaise and worked with onshore credit account team and internal business services group to scope new support requirements
- Regular updating of process and procedures and implementation of controls for issues reported earlier
- Actions with closure and openings of new merchants as a result of change of ownership, compliance issue and fraudulent
- Handled the team by allocating work to the individuals based on the priority
Education
MBA - Production & Operations Management
Alagappa University
04-2023
BBA -
Women's Christian College
04.2001 - 01.2018
HSC -
Spartan Matriculation Higher Secondary School
SSLC - undefined
Spartan Matriculation Higher secondary school
Skills
Ability to read financial statements
Ability to assess risk
Ability to implement required controls
Ability to analyze delinquency
Ability to analyze monthly statements
Ability to analyze overdue and payment history
Strong Decision-Making Skill
Problem-Solving Skill
Ability to manage 20 members in the team
Certification
Certified in End to end AML KYC from Udemy.
Awards
- Spot Ovation, Received continuously for 3 years for consistent performance, 2019 to 2021, NatWest
- Bronze Ovation, For learning the new process quickly and maintaining 100% efficiency in terms of error free processing of requests, 2019, NatWest
- Bronze Ovation, For simplifying the process and mitigating the risk (Automation Tool), 2020, NatWest
- LOV award, By Co-worker for supporting, 2021, NatWest
- Spot Ovation, For excellent work in new projects-CBILS & BBLS, 2020, NatWest
- Bronze Ovation, For supporting on clearing 3.5L CKYC records, 2022, CITI
RECOGNITION
• Received Spot Ovation continuously for 3 years for consistent performance- 2019 to 2021(NatWest)
• Bronze Ovation for learning the new process quickly and maintaining 100% efficiency in terms of error free processing of requests -2019 (NatWest)
• Bronze Ovation for simplifying the process and mitigating the risk (Automation Tool)- 2020 (NatWest)
• LOV award by Co-worker for supporting- 2021 (NatWest)
• Spot Ovation for excellent work in new projects-CBILS & BBLS- 2020 (NatWest) • Bronze Ovation for supporting on clearing 3.5L CKYC records -2022 (CITI)
Timeline
Deputy Manager
Axis bank
03.2023 - Current
Team Lead
Citi Bank
08.2022 - 02.2023
Senior Analyst
NatWest (UK Bank)
07.2018 - 07.2022
BBA -
Women's Christian College
04.2001 - 01.2018
SSLC - undefined
Spartan Matriculation Higher secondary school
MBA - Production & Operations Management
Alagappa University
HSC -
Spartan Matriculation Higher Secondary School