Ramya Pichumani
QA Analyst With Credit Risk Domain Knowledge
Chennai
Summary
6+ Years of Professional Experience in the Finance domain.
Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
6
6
years of professional experience
5
5
years of post-secondary education
Work History
Freelance QA Tester
Freelancer
Chennai
10.2022 - Current
- Key focus on Manual Testing
- Experience in Functional Testing, System Integration Testing, UAT Testing, Black Box Testing
- Expert in Test Planning, Test Execution, Defect logging, Defect triage
General Transcriptionist
Dragon fly Market Research Private Ltd
Mumbai
- Receiving Audio files from the client and converting them into text and notes
- Used headsets and Transcribing the audio conversation, speech, and group discussions into text format within TAT
- Sending the transcribed documents to the client via Email
Finance Officer
TCS
Chennai
03.2005 - 02.2006
- Manage Credit Risk of Barclay’s Bank through Refer List (RL) Reports
- Monitor & Control overdrawn customer A/C’s
- Involved in Decision making and report aberrations to Barclays’ RT for a PAY/NOPAY decision on Cheques, direct debits & standing orders
Finance Officer
Standard Chartered Bank
Chennai
10.2003 - 11.2004
- Proficient in Consumer banking Operations, which included online operating systems like HOGAN, and PSGL related to payments
- Processing manual and instabuy charge slips submitted by the merchants
- Handling and processing merchant payments on a day-to-day basis
- Issuing of Foreign Inwards Remittance Certificates to merchants involved in foreign transactions
- Handling Chargeback disputes from customers and resolving them within the turnaround time
- Reconciliation of payment and suspense account
- Analyzing and solving unclaimed cheques and discrepancy cheques of the customers
- Control over clearing operations and cheque returns for credit card payments
- Issuing payments to various products like “Dial a loan", "Privilege customer", and "Easy Pay”
Finance Officer
Lovelock & Lewes Services Pvt Ltd
Chennai
02.2003 - 09.2003
- Business Process Outsourcing is the long-term contracting of a company’s business processes to an outsider service provider with a view to cut costs and increase efficiency
- The company is a subsidiary of Lovelock & Lewes, member firm of Price Water House Coopers
- Backend operations of HSBC Bank Loans Division
- Responsibilities Pre-Credit application scrutinizing, Credit Underwriting, and post approval documentation checking till disbursal
- Effective co-ordination with verification agencies, DSA’s, bank and to be a hub to the entire channel to cut short the turn around time
- A feedback and product clarification to the DSA’s on daily & monthly basis
- Preparation of daily MIS to DSA’s & Monthly MIS to the Client & Head Office
- Giving a good support to Sales & Credit under various circumstances
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Articled Clerk
M/S.Ragunathan & Co
12.2000 - 02.2002
Articled Clerk
Ramesh & Srinivasan
02.1999 - 11.2000
Education
Masters in Financial Management - Finance
Loyola College, Pondicherry University
Chennai 07.2000 - 06.2002
Bachelor of Commerce - Commerce
Meenakshi College, Madras University
Chennai 07.1997 - 05.2000
Skills
Quality Assurance Testing
SQL understanding
Credit Risk
Financial analysis and reporting
MS Office
Excellent Communication
Self-Motivated
Hobbies
* Listening to Music
* Reading Books
Timeline
Freelance QA Tester
Freelancer
10.2022 - Current
Finance Officer
TCS
03.2005 - 02.2006
Finance Officer
Standard Chartered Bank
10.2003 - 11.2004
Finance Officer
Lovelock & Lewes Services Pvt Ltd
02.2003 - 09.2003
Articled Clerk
M/S.Ragunathan & Co
12.2000 - 02.2002
Masters in Financial Management - Finance
Loyola College, Pondicherry University
07.2000 - 06.2002
Articled Clerk
Ramesh & Srinivasan
02.1999 - 11.2000
Bachelor of Commerce - Commerce
Meenakshi College, Madras University
07.1997 - 05.2000
General Transcriptionist
Dragon fly Market Research Private Ltd