SIVAKUMAR PRAMESHWARAN
Chennai
Summary
A competent professional with 15 years of experience in Banking industry entailing expertise in Oracle Billing System, Payment processing, Invoice processing, Mortgage Operations, KYC, Loan Operations, and Customer Support. Business Leader proven to develop and implement business management initiatives. Creates business strategies, allocates resources, finds ways to increase productivity and assesses employee performance. Bridges communication between partners and suppliers with strong business acumen and managerial abilities.
Overview
15
15
years of professional experience
Work History
Business Process Lead
Tata Consultancy Services (TCS) Ltd
08.2012 - Current
- Working as a functional consultant on Oracle Revenue Management and Billing for Westpac Institutional Bank.
- Maintained strong working knowledge of ORMB and business intelligence tools and operational features..
- Planned, managed and directed daily board operations to increase revenue and reduce costs through P&L analysis.
- Performed Billing Creation, Account Maintenance, Customer Maintenance and Billing corrections in the ORMB billing system.
- Mapped process activities to identify shortfalls and propose options to rectify operational inefficiencies.
- Mentored and guided employees to foster proper completion of assigned duties.
- Performed quality assurance checks on transactions and account actions to assess compliance with state and federal regulations.
- Performed General Ledger difference, Refund Dashboard, Billing Exception reports, Reject Reports and remediate the issues to reprocessing the payment
- Built strong relationships with customers through positive attitude and attentive response.
- Demonstrated knowledge of company mission and goals and mentored employees in reaching objectives aligned with company core values.
- Facilitated training for associates through daily coaching and regular performance appraisals.
- Initiated timely response to emails, voicemails and written correspondence.
- Worked as SME in Default Servicing portfolio for Mortgage Operations
- Verified Mortgage documents remained up-to-date for Payments.
- Processed payments through systematically and Manually behalf of the Bank (CITI MORTGAGE INC.)
- Modeled exceptional customer service and mentored associates on direct link between revenue growth and customer loyalty.
Senior Officer
ICICI Bank Ltd
06.2010 - 08.2012
- Worked with Loan Operation team for Financial Analysis. Review of Pre-sanction and Post-sanction Loan Documentation.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Conducted KYC formality reports on questionable accounts and transactions.
- Prepared documents for underwriting by verifying client income, credit reports and other information.
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Analyzed and investigated clients to conduct detailed customer due diligence and enhanced due diligence review.
- Consulted with compliance department to create regulatory reports.
- Researched and interpreted corporate documentation to determine business and ownership structure.
- Conducted thorough reviews for high risk clients based on stratified risk level guidelines.
- Supported KYC processes for prospective and existing customers.
- Evaluated approvals against established bank and government lending standards.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Processed loans within various departments to achieve timely, accurate and fair proceedings.
Senior Associate
I Process Services India Ltd
08.2007 - 06.2010
- Worked in ICICI Bank Credit Card Services and Operations
- Customer Support and Mail Support. Prepare daily and Monthly Reports
- Assigned tasks, reviewed performance and devised improvement plans or corrections.
- Developed junior team members and cultivated collaborative culture.
- Promptly addressed concerns, complaints and inquiries to meet customer satisfaction.
- Spoke to customers in native language to increase loyalty and establish relationships.
- Built and maintained relationships with new and existing clients while providing high level of expertise.
- Approached each problem with fresh mind and analytical strategies to quickly resolve concerns.
- Approached browsing customers to initiate conversations to determine buying preferences.
Education
Bachelor of Arts - English Literature
Lakshmipuram College of Arts & Science
Manonmaniam Sundaranar University04.2006
Skills
- Best Practices and Standards
- Analytical and Critical Thinking
- Banking Operations
- Gap Analysis
- Business Analysis
- Multitasking Abilities
- Teamwork and Collaboration
- MS Office
- Customer Relations
- Credit History Review
- Financial History Analysis
- Loan Portfolio Monitoring
- Mortgage Lending Requirements
- Strategic Financial Planning
- Credit Reports
- Payment Schedule Computation
- Creditworthiness Determination
- Complaint Handling
- Appraisal Reports
- Loan Documentation
- Work Planning and Prioritization
- Leading Employees
- Vendor Partnerships
- Team Monitoring
- Oracle Billing System
- Loan Processing Coordination
- Mortgages and Loans
- Credit Evaluation
- Payment Analysis
- Credit Card Transaction Processing
- Customer Accounts Management
- Managing Operations and Efficiency
- Anti Money Laundering (AML)
- Loan Approval
- Loan Servicing
- Loan Operations
Timeline
Business Process Lead
Tata Consultancy Services (TCS) Ltd
08.2012 - Current
Senior Officer
ICICI Bank Ltd
06.2010 - 08.2012
Senior Associate
I Process Services India Ltd
08.2007 - 06.2010
Bachelor of Arts - English Literature
Lakshmipuram College of Arts & Science
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