Pradeep Muniraja
Bangalore
Summary
Upbeat, reliable, and detail-focused professional, I possess a solid foundation in financial principles and a strong commitment to customer service. With extensive knowledge of loan servicing and financial analysis, I excel at managing data and effectively communicating with clients. My dedication lies in enhancing operational efficiency and delivering exceptional support to contribute to the team's success.
Overview
15
15
years of professional experience
Work History
Lead Commercial Lending
Wells Fargo
09.2022 - Current
- Conducted rigorous quality checks on transactions processed by Deal Administrators, ensuring 100% accuracy and compliance with all relevant regulations.
- Independently researched, responded to, and resolved complex client and internal stakeholder inquiries, achieving a customer satisfaction.
- Diligently reviewed all loan transactions prior to approval of payments and release of borrowings, mitigating potential risks and ensuring regulatory compliance.
- Proactively participated in team meetings, contributing valuable insights and collaborating with colleagues to develop and implement new processes that improved team efficiency by 95%.
- Demonstrated strong independent judgment while developing a comprehensive understanding of all relevant functions, policies, procedures, and compliance requirements.
- Provided exceptional service and support to internal customers by effectively communicating and resolving their inquiries.
- Prepared and provided MIS reports as and when requested by the leaders.
- Developed and implemented comprehensive training programs for junior Deal Administrators (DA), resulting in 35% increase in team's loan processing accuracy and significant reduction in errors.
Business Process Lead
Tata Consultancy Services
05.2016 - 09.2022
- Managed the entire loan lifecycle, including WIP clearance, return of funds, interest adjustments, capitalizations, and status updates, ensuring smooth and efficient operations.
- Effectively collaborated closely with process owners, SMEs, and data leads, taking ownership of data updates for new deals and implementing data quality improvement initiatives that resulted in 10% reduction in data errors and improved data accuracy by 5%.
- Conducted in-depth investigations to identify root causes of cash breaks and past due deals, remediated issues effectively, and implemented corrective actions to minimize future occurrences.
- Served as a key liaison between internal and external stakeholders, fostering strong communication and collaboration to ensure seamless project execution and client satisfaction.
- Performed in-depth analysis of financial data, including project budgets, risks, and resource allocation, to proactively identify and mitigate potential issues, ensuring project success and minimizing financial losses.
- Successfully identified root causes of cash breaks and implemented strategies to reduce them significantly, resulting in 5% reduction in break occurrences and 10% improvement in cash flow.
- Proactively escalated aged and high-value breaks for timely resolution, minimizing potential financial losses and ensuring client satisfaction.
Senior Team Member
Capgemini
04.2012 - 05.2016
- Reconciled branch reports and general ledger accounts to identify unusual transactions, fraud, and accounting errors, ensuring financial accuracy.
- Balanced the general ledger of each branch by passing reconciliation entries, maintaining financial integrity.
- Retrieved information and analyzed transactional activity extensively using the Bank's data systems, identifying trends and potential problems.
- Led cross-functional teams to achieve 25% increase in project efficiency through streamlined processes and collaboration.
- Mentored and trained junior team members, enhancing team skill sets and boosting overall productivity by 15%.
Team Member
JP Morgan Chase
01.2010 - 01.2012
- Performed research to solve exceptional problems through the Federal Reserve and financial organizations, ensuring efficient resolution of complex issues.
- Reconciled the teller journal on day-to-day activities made by the teller at the branch and the exceptions of the teller in SAP, maintaining accurate financial records.
- Implemented process improvements that reduced project turnaround time by 25%, enhancing overall team productivity.
- Trained and mentored new team members, fostering a collaborative environment that improved team morale and performance.
Education
Bachelor of Commerce - Commerce
RPA First Grade College
Bangalore, Karnataka09.2009
Skills
- MS Office Suite (Expert): Proficient in Word, Excel, PowerPoint, Outlook, and Access, utilizing advanced functions and formulas to automate tasks and analyze data efficiently
- SQL (Beginner): Can build basic queries, can pull the data using queries
- Python (Beginner): Currently undergoing training
- Power BI (Intermediate): Can analyze data and build charts to visualize insights
- Loan IQ
- Financial Analysis & Reporting
- Problem-solving & Decision-making
- Team Leadership & Management
- Compliance & Regulatory Knowledge
- Stakeholder Management
- Documentation review
- Multitasking Abilities
Awards
- Star Performer - Wells Fargo - May & August 2024.
- BPS Star Performer Award - Tata Consultancy Services - February 2020.
- Service & Commitment Award - Tata Consultancy Services - May 2019.
- iEvolve - Kaizen Methodology - Capgemini -2013 & 2014.
- Pat on the Back - Capgemini -2013 & 2014.
- Outstanding Team Performer - Capgemini -2012 & 2013.
Professional Development
- Certification in Commercial Lending
- Data Analytics for Finance
- Agile Project Management
- Cyber Security Awareness
- Fraud Prevention Training
Languages
English
Bilingual or Proficient (C2)
Hindi
Bilingual or Proficient (C2)
Kannada
Bilingual or Proficient (C2)
Tamil
Elementary (A2)
Telugu
Elementary (A2)
Timeline
Lead Commercial Lending
Wells Fargo
09.2022 - Current
Business Process Lead
Tata Consultancy Services
05.2016 - 09.2022
Senior Team Member
Capgemini
04.2012 - 05.2016
Team Member
JP Morgan Chase
01.2010 - 01.2012
Bachelor of Commerce - Commerce
RPA First Grade College
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