Sachin Gupta
New Delhi
Summary
Detail-oriented and results-driven professional with over 6 years of experience in financial services, specializing in merchant onboarding and KYC/AML compliance. Proven expertise in leveraging databases to prevent fraudulent activities and excessive chargebacks, and meticulously reviewing merchant documentation to mitigate risk. Skilled in analyzing transaction data to identify fraud trends and ensure the integrity of financial processes.
Overview
6
6
years of professional experience
2
2
Languages
Work History
Merchant onboarding and KYC
WNS - First Abu Dhabi Bank (FAB)
12.2023 - Current
- Managing coporate and SME client KYC onboarding and performed enhanced due diligence (EDD) and KYC reviews to ensure compliance with regulatory frameworks.
- Managed customer profiles and analyzed transaction data to identify fraud trends, ensuring the transparency of financial processes.
- Ensured the integrity and transparency of financial processes through systematic investigation.
- Managed escalations and client calls to resolve complex issues.
- Performed risk assessments by screening merchants against VISA and MasterCard databases to identify and address high-risk behaviors, including fraud.
- Meticulously reviewed merchant documentation, such as KYC, IBAN, and Trade Licenses, for both POS and e-commerce setups, ensuring accuracy and completeness.
- Evaluated and managed potential risks associated with merchant onboarding, considering business models, industry, and transaction volumes.
Credit Risk and Underwriting Specialist
SBI Card Payment & Services Ltd
02.2020 - 12.2023
- Monitoring and processing credit card application by checking KYC, Verification and Underwriting.
- Publishing daily and monthly MIS report for the Function Head and Risk team.
- Training and conducting feedback session of new joiners.
- Co-ordination with Credit risk team on changes and implementation in risk policies.
- Led a team of auditors to conduct quality checks of underwriting.
- Maintained excellent credit quality with no defaults on covenant compliance or past due documentation.
- Monitored underwriting teams' performance and provided mentoring to help them achieve goals.
- Handling upsell process.
- Prepare the Report in Excel on daily basis.
- Assess and make credit decisions on closed-end and revolving product applications including secured and unsecured Credit Cards.
- Developed credit risk assessments and recommended appropriate credit limits for closed-end and revolving product applications, including secured and unsecured credit cards.
- Ensure that the Benchmarked productivity and Accuracy achieved.
- Performed required KYC screening and creditworthiness (WCP) checks on customers, documenting and evaluating the information.
Education
Graduate - B.tech Mechanical Engineering
G D Goenka University
New Delhi07-2017
10+2, CBSE - undefined
Adarsh Jain Public School
03-2013
10th, CBSE - undefined
Ekta Model School
03-2011
Skills
Microsoft Office Tools
Vision pluse
Credit underwriting
Accomplishments Awards and Recognitions
Spot award in February 2021 and employee of the month in June 2021 and July 2022, Recognized and awarded by the Head of Process for excellent contributions in team building, client relationship management, and process improvement with innovative ideas.
Personal Dossier
Marital Status: Married, Father's Name: Late Ashok Kumar Gupta
Timeline
Merchant onboarding and KYC
WNS - First Abu Dhabi Bank (FAB)
12.2023 - Current
Credit Risk and Underwriting Specialist
SBI Card Payment & Services Ltd
02.2020 - 12.2023
10+2, CBSE - undefined
Adarsh Jain Public School
10th, CBSE - undefined
Ekta Model School
Graduate - B.tech Mechanical Engineering
G D Goenka University