Summary
Overview
Work History
Education
Skills
Achievement
Certification
Languages
Timeline
Generic

Premkumar S

Bangalore

Summary

Seeking challenging assignments in Credit Risk management, Client Relationship Management, Business Development in a Service oriented organization. successfully contributing to company profits by improving team efficiency and productivity

Overview

10
10
years of professional experience
1
1
Certification

Work History

Financial Crime Prevention Manager

ICICI BANK LTD
07.2022 - Current
  • Core responsibility to prevent frauds in various products (Liabilities, PL, HL, BIL, HL, CC) by adopting suitable checks and best practice
  • Assisting 40+ samplers in sampling process, regular feedbacks and training to identify frauds
  • Reviewed customer documents and information to ensure compliance with KYC regulations.
  • Trigger based activity on Field investigation of all profiles
  • Decisioning of CC, Mortgage, PL , SME and Liability applications
  • Investigation & Root Cause Analysis of fraud/dispute cases
  • Timely closure of MHA ,Cybercrime & RBI complaints.
  • Conduct Surprise visit to branches for opening cash and Gold loan audit.
  • Reviewed customer accounts for suspicious activities and potential money laundering.
  • Conducted investigations of suspected fraudulent activity by gathering data from various sources.
  • Investigated customers' backgrounds through public records searches, credit checks.
  • Vendor management, Billing and performance monitoring monthly wise
  • Escalation Handling & Stakeholder Management which includes detailed review of all banking products.

Relationship Manager- Mortgage

ICICI BANK LTD
07.2019 - 07.2022
  • Sourcing of new business from different channel (Builders, Wealth Branches, online…)
  • Sales coordination -a) to reduce login rejection b) Adhering & implementing Home Loan process and policy and compliance like KYC…
  • Identifies and implements various opportunities to improve mortgage processes
  • Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems
  • Completed credit checks with sound research and analysis
  • Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal
  • Completed audits and checklists to achieve regulatory compliance
  • Ensure due diligence in credit analysis, customer application screening, evaluation
  • Monitors all the legal aspects of proposals through to completion
  • Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.

Assistant Manager

Indusind Bank Ltd
04.2019 - 07.2019
  • Conducted market research and identified potential business opportunities.
  • Generated leads through cold calling, email campaigns and other marketing activities.
  • Verified customer identity using public records, financial databases, and other resources.
  • Analyzed customer data to identify suspicious activity or potential money laundering schemes.
  • Extend professional customer service to achieve a high level of customer satisfaction and retention
  • Maintained accurate records of sales activities using CRM software systems.
  • Resolved customer complaints regarding sales and service.
  • Enhanced sales volume through skilled support to both new and inactive customers.

Customer Service Executive

DCB Bank Ltd.
11.2018 - 02.2019
  • Conducted due diligence on customers, obtaining various records to demonstrate suitability for loan applications
  • Assessed efficacy of operational processes, seeking developments and automation opportunities for improved banking efficiency
  • Recorded daily operations, highlighting incidents and identifying trends for ongoing business improvements
  • Stayed up-to-date on the latest mortgage products and developments in mortgage regulations through online research and networking events
  • Adhered to bank and legal guidelines for reporting, loan approvals and money handling
  • Delivering efficient and quality service to Portfolio Clients and Branch Walk-in customers.

Senior Sales Executive- Home Loan

HDFC BANK LTD (HDB Financial Services)
03.2014 - 07.2017
  • Generating the business from various sources like open Market, Internal client references, DSA and Cross selling to retail banking customers
  • Handling Presale and post sales process of HL, LAP and PL
  • Experiencing of CRM systems
  • Strong working Knowledge of Banking standards and procedures
  • Wise Reports (MTD & YTD) for Login, Sanction and Disbursal of Loan
  • Scheduled meetings with 10 clients per week, both over the phone and in person
  • Provided high-quality mortgage advice to clients, such as explaining mortgage types and financial help available
  • Used excellent persuasion and negotiation skills to increase sales of additional mortgage protection cover.

Education

Bachelor of Engineering Aeronautical -

Anna University
01.2011

XII State Board -

Govt High School
01.2007

Skills

  • Customer Due Diligence and Enhanced Due Diligence
  • Suspicious Activity Reporting
  • Incident Reporting
  • Adaptability
  • Problem-solving abilities
  • Crime Prevention
  • Team building

Achievement

  • Best onboarding analyst award.
  • PAN India topper in disbursement and sanction
  • Multiple appreciation mails from customer and superior
  • Appreciation from channel partner
  • Multiple medal and trophy
  • SALES CRM Expertise
  • Command on MS EXCEL

Certification

  • Fundamentals of credit
  • critical thinking for better judgment and decision-making.

Languages

  • English
  • Kannada
  • Hindi
  • Tamil

Timeline

Financial Crime Prevention Manager

ICICI BANK LTD
07.2022 - Current

Relationship Manager- Mortgage

ICICI BANK LTD
07.2019 - 07.2022

Assistant Manager

Indusind Bank Ltd
04.2019 - 07.2019

Customer Service Executive

DCB Bank Ltd.
11.2018 - 02.2019

Senior Sales Executive- Home Loan

HDFC BANK LTD (HDB Financial Services)
03.2014 - 07.2017

Bachelor of Engineering Aeronautical -

Anna University

XII State Board -

Govt High School

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