Muthamma M P
Bangalore
Summary
Mortgage & Credit Risk Specialist with 7+ years of experience across UK banking processes, including SME credit assessment, underwriting support, delinquency management, quality control, and compliance frameworks. Skilled in evaluating creditworthiness, analysing financial documentation, performing RCSA activities, and managing portfolio risk. Recognized for leadership in team operations, exceptional accuracy as a Certified Quality Controller, and consistent delivery in high-risk, high-volume credit environments.
Overview
11
11
years of professional experience
Work History
Process Specialist
Infosys BPM Ltd
05.2023 - Current
- Assessed customer financial conditions and recommended structured repayment solutions to regularize overdue accounts.
- Analysed account behaviour, credit history, and risk indicators to determine suitable resolution strategies.
- Guided customers on long-term credit impact, financial discipline, and repayment structure.
- Processed payments, updated account records, and ensured accuracy in documentation and reporting.
- Collaborated with compliance, fraud, and operational teams to resolve complex account exceptions.
- Achieved performance and recovery goals by applying credit analysis techniques and negotiation skills.
- Ensured strict adherence to FCA guidelines, internal credit policies, and governance standards.
- Capital One (UK) – Credit Operations & Account Resolution
Senior Process Associate
Tata Consultancy Services
01.2018 - 04.2023
- Performed as a Team Lead (responsibility-based role) overseeing day-to-day credit risk operations and supervising a team delivering SME credit assessments.
- Allocated workloads, monitored productivity, and ensured SLA and quality compliance.
- Acted as the first point of escalation for complex credit queries and policy clarifications.
- Conducted training sessions, process refreshers, and performance coaching for new and existing team members.
- Worked as a Certified QC, conducting detailed quality audits on SME credit reviews, financial analysis, and documentation accuracy.
- Ensured compliance with internal credit policies, operational risk framework, and regulatory standards.
- Identified process gaps, documented error trends, and provided structured feedback to improve team performance.
- Contributed to quality improvement plans and audit readiness initiatives across the credit operations function.
- Maintained consistently high QA scores, strengthening overall process credibility and compliance.
- Conducted comprehensive credit assessments for SME business loans by analysing financial statements, account performance, and credit reports.
- Prepared and validated annual credit reviews, ensuring correct risk categorization and repayment assessment.
- Supported recovery and risk mitigation strategies for high-risk or delinquent accounts.
- Executed quarterly Risk Control Self Assessment (RCSA), identifying control gaps and validating mitigation actions.
- Ensured adherence to operational compliance, governance standards, and documentation accuracy.
- Lloyds Banking Group (UK) – Retail Business Banking (Credit Risk Team)
Senior Process Associate
Omega Healthcare
07.2014 - 09.2017
- Managed end-to-end RCM activities including insurance claims, payment posting, charge entry, and AR follow-up.
- Worked across multiple specialties including Oncology, Urology, Ambulance Billing, Rheumatology, and Physician Billing.
- Identified claim discrepancies, reduced receivables, and ensured timely resolution of outstanding accounts.
- Revenue Cycle Management – US Healthcare
Education
Bachelor of Commerce -
Seshadripuram First Grade College
BangaloreSkills
- Mortgage Loan Processing
- Credit Risk Assessment
- SME Loan Review & Underwriting Support
- Financial Statement Analysis
- Portfolio & Delinquency Management
- RCSA & Operational Risk Controls
- Certified Quality Control (QC)
- Process Governance & Compliance
- Collections Strategy (Non-Voice)
- Stakeholder & Escalation Management
- Team Leadership & Performance Management
- Reporting, Productivity Tracking & Documentation
Hobbies and Interests
- Dancing
- Sports
Languages
- English
- Hindi
- Kannada
Languages
English
First Language
Timeline
Process Specialist
Infosys BPM Ltd
05.2023 - Current
Senior Process Associate
Tata Consultancy Services
01.2018 - 04.2023
Senior Process Associate
Omega Healthcare
07.2014 - 09.2017
Bachelor of Commerce -
Seshadripuram First Grade College