Summary
Overview
Work History
Education
Skills
Timeline
Generic
R Gopi

R Gopi

Chennai

Summary

Senior Credit Specialist with extensive experience at CITI (CSIPL) India, specializing in credit analysis and risk management. Demonstrated success in executing complex loan servicing and disbursement processes while ensuring regulatory compliance. Skilled in fostering strong client relationships and leading teams to achieve operational excellence.

Overview

8
8
years of professional experience

Work History

Senior Credit Specialist

CITI (CSIPL) India
Chennai
01.2017 - Current
  • Managed consumer operations for credit services across Singapore, Hong Kong, Middle East, and UK.
  • Performed comprehensive loan maintenance activities, including disbursements and rollovers.
  • Conducted currency conversions for loans and deposits based on booked FX deals.
  • Executed seamless external/Internal transfers for loans and securities.
  • Generated daily and monthly reports for risk management and regulatory compliance.
  • Screened and initiated credit approvals for customers seeking credit lines against investments.
  • Provided leverage, term loans, overdrafts, and CCTA to customers investing in mutual funds.
  • We handle complete loan maintenance activities, such as disbursement of loans, loan rollover, loan part/full closure, loan tenure change, interest rate change, collateral assignment/de-assignment, clubbing and splitting of loans, loan currency change, and lateral transfer.

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Responsibilities:

  • Screening and initiating credit approval to offer leverage, term loans, overdrafts, and CCTA.
  • Executing customer instructions and completing loan maintenance activities, such as the disbursement of loans, loan rollover, and loans.
  • Part/full closure, loan tenure change, interest rate change, collateral assignment/de-assignment, clubbing, and splitting of.
  • Loans, loan currency change, and lateral transfer.
  • To raise applications and other orders in the marketplace for users as per requirements, creating and following up for resolution.
  • Of incident tickets.
  • To ensure 100% quality in the process by working as a gatekeeper with high accuracy.
  • Maintain the SLA with the client.
  • Process training for the newcomers.
  • Maintain a good understanding with front-end operations and the Relationship Manager.
  • Handling customers' queries via emails and phone calls.
  • Building relationships with internal teams.

Education

Master of Arts - M.Com

Sri Krishna Arts & Science College
Coimbatore
05-2014

Skills

  • Credit analysis
  • Loan servicing
  • Loan Products
  • Loan disbursement
  • Credit decisions
  • Credit analysis
  • Portfolio and collateral management
  • Risk management
  • Regulatory compliance
  • Financial reporting
  • Currency conversion
  • Credit Monitoring and Reporting
  • Loan syndication
  • Credit Evaluation and Approval
  • Commercial and Retail Banking
  • Client Relationship Management
  • Credit documentation
  • Team leadership and staff training
  • KYC customer screening
  • UAT testing

Timeline

Senior Credit Specialist

CITI (CSIPL) India
01.2017 - Current

Master of Arts - M.Com

Sri Krishna Arts & Science College
R Gopi