SAURABH RAWOOL

• Implemented continuous improvement initiatives within the vendor management function, driving operational excellence throughout the organization.
• Managing digital vendor empanelment, agreement renewal and vendor discontinuation process.
• Managing ID card management system to ensure bank ID cards to vendor staff.
• Created reports, presentations and other materials for executive staff.
• Maintaining manpower and penalty data of the vendor staff.
• Creating reports such as Vendor Rates analysis, Vendor CPV allocation analysis for effective utilization of vendors and cost benefits.
• Reduced costs by identifying opportunities for consolidation of services and strategic partnerships with key suppliers.

• Processing applications of HNI customers for the premium HDFC bank Cards i.e. Metal Infinia Card and Diners black for West region.
• Investigated and evaluated customers for creditworthiness and potential risk factors.
• Analyzed financial statements, credit reports and customer profiles to assess creditworthiness and set credit limits for new and existing customers.
• Analyzing Fixed obligation to income ratio of the customer for calculation of Credit limit.
• Improved credit risk management by implementing effective underwriting policies and procedures.
• Liaising with Sales and other stakeholders for queries and application requirements.

• Processing Credit Card applications sourced through digital journeys of Pan India customers.
• Majority applications are sourced through NTB DIY Journey with Bureau, Income or C2C program.
• Verifying details of Income and Card to Card documents provided and cross check with Perfios response.
• Analyzing credit capacity, eligibility of a customer and finalize applications by considering application score, CIBIL score & fraud score.
• FOIR calculation considering the liabilities in CIBIL.
• Participated actively on below projects and UAT testing.
• End to end testing of Credit Card applications flow on SFDC.
• Setting Verification of credit card application, Vendor empanelment, Testing of Verification APK designed by bank.
• ETB PQ program, UAT testing of Credit Card sourcing and UW flow.
• NTB DIY program, UAT testing of Credit Card sourcing and UW flow.
• Testing of Perfios integration for Income and C2C program.
• Testing of IDV and Karza Integration.
• Testing of system validations and automation of policy rules in FICO.
• Actively handle UAT testing of FI Curing process.
• Testing of Reject Relook process.

• Responsible for processing applications of Pan India HNI clients under the premium “Affluent Category”
• Verifying details with KYC documents and income documents which are provided with applications, also supporting documents like utility bills etc.
• Analyzing credit capacity, eligibility of customer and finalize credit limit by considering application score, CIBIL score & fraud score.
• Analyze all aspects of an applicant to determine credit worthiness and ability to pay under the terms and conditions set forth in the credit approval process so as to minimize default risk and maximize the bank’s profitability.
• FOIR calculation considering the liabilities in CIBIL.
• Countering and highlighting the fraud applications to risk management team, to ensure the risk parameters are met.
• Performs and verify compliance with credit card policy, Anti money laundering, KYC and all other applicable regulatory requirements
• Remain up-to-date on all bank compliance regulatory policies and procedures and on all pending and proposed regulatory changes affecting bank compliance.
• Projects (UAT): I have also been a part of Project Testing from credit end and participated in some below major projects.

a. Flipkart Credit Card.

b. Freecharge Credit Card.

c. Google Pay Ace Credit Card.

d. Bajaj Partner Journey.

e. WebIPA Journey.

F. Prime4.

• Also I have been taken care of testing system changes and validation as per policy and compliance. Our core systems are Omniflow (NewGen) and Finnone.
• Testing of system validations and checks from credit point of view.
• To initiate new credit requirements to IT or Project team for system automation of certain credit checks and validations.
• To ensure the smooth function of applications in system, if in any issue liaise with IT team to get this issue solve.

• Working with spreadsheets, sales and purchase ledgers and journals
• Working with Tally ERP 9
• Preparing statutory accounts
• Calculating and checking to make sure payments, amounts and records are correct
• Sorting out incoming and outgoing daily post and answering any queries
• Managing petty cash transactions
• Reconciling finance accounts and direct debits
• Preparing bills and sending to clients.