Suraj Kumar Mishra
Assistant Manager Client Services
Bangalore
Summary
JOB OBJECTIVE
Credit Analyst knowledgeable in conducting background checks and developing methodologies to predict future risk behaviors. Looking to bring further success to a company through excellent attention to detail and a keen understanding of policies.
Offering more than 7 years of resolving credit disputes and making recommendations on bad debt accounts.
Highly trained Credit Analyst offering excellent skills in managing issues and reviewing financial statements. Pursuing a similar position where a well-qualified individual with an understanding of credit is highly sought.
Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to work for a financial company.
Collaborative leader with dedication to partnering with co-workers to promote engaged, empowering work culture. Documented strengths in building and maintaining relationships with diverse range of stakeholders in dynamic, fast-paced settings.
Proficient in using independent decision-making skills and sound judgment to positively impact company success. Customer-focused professional with successful 7+ years of career in Banking sector.
Overview
8
8
years of professional experience
2
2
years of post-secondary education
1
1
Language
Work History
Assistant Manager/Client Services
Joules To Watts Business Solutions Pvt Ltd
Bangalore
03.2022 - Current
- Vendor management, Client services, interacting with customers to make sure quality profiles are delivered within the service level agreement
- Handling a Team size of 12 members, which includes 9 IT HR Recruiters and 2 Delivery Leads and 1 BDE
- Conducting everyday huddles and setting up the daily, weekly, and monthly targets
- Streamline core day to day operations in the process of recruitment
- Implement strategic plans for sustaining profits and for growth of the account
- Prioritize work and deploy staff as required to ensure customer deliverables are met on time with quality of work as required by the customer
- Manage, train, and develop a work environment that promotes high motivation and customer satisfaction
- Periodically review teams’ performance and recommend performance improvement plan wherever required
- Identify trends and patterns from the generated reports and initiate action plan to resolve the issues
- Was responsible for work allocation to the team and monitor the progress and teamwork
- Generate and distribute management reports in accurate and timely manner
- Establish a strong relationship with the customers by understanding the gaps, trends and patterns identified throughout the journey and implement changes for better customer resolution
- Drive improvement projects on productivity and quality
- Maintain accurate customer records for Improvement plans
- Design and implement the process for tracking the data and calculating the progress
Credit Assessment Officer
ANZ Support Services Pvt Ltd
Bangalore
12.2019 - 04.2022
- Assessment of borrowers based on Collateral, Capital, Capacity, Character and Common Sense (5C’s of underwriting)
- Verifying and assessing an applicant’s current financial position, employment history, credit history, credit needs, ability to pay and the asset being offered as security
- Adhere to Group Credit Policy and Code of Banking Practice with the objective of maximizing revenue and minimizing risk
- Apply lending/credit policy, product and a high level of judgement, in assessing Applicants credit worthiness
- Authorizing credit approval discretion (CAD) with AUD $3 million for customer employed as salaried, Company, Trust and sole trading entities
- Determine borrowers’ income using tax returns, BAS, profit/loss statement, cash flow forecasts, balance sheet also to evident the payment of tax to ATO and GST
- Including Guarantors to the Home Loan to avoid Lenders Mortgage Insurance premium
- Exercise a high degree of independent judgment and discretion in providing underwriting services
- Screen and analysis credit policies in Australian region, endorsing their operational and replicating best practices
- Preparation of letter of offer, loan and security agreement as per established legal clauses with internal policies and procedures prior to activation of credit facilities
- Review loan documentation to ensure credit terms and collateral credentials are held to settle credit approvals
- Dealing with onshore and internal stake holders on business terms to assess lending checklists and complete necessary follow-ups
- Research loan applications details and identify all information required to accurately complete a formal residential loan assessment.
Senior Refinance Officer / Senior Analyst/ Operation Support Officer
ANZ Support Services Pvt Ltd
Bangalore
06.2018 - 12.2019
- Worked with multiple stakeholders in the market covering Solicitors, Frontline Managers, Mobile lenders, Relationship managers and Business Bankers
- Was part of the transition of the Refinance processes from Manila to Bengaluru Service Center
- Ensured was upskilled in 100% of the Refinance tasks and completed Ramp Up within the agreed timelines
- Liaising with stakeholders within and outside the company on a daily basis
- Worked under challenging situations where the loans required settlements on the same day due to escalations thus saving thousands of dollars for my clients
- Handling escalations and requests for Refinance team through E-Mails and Calls
- Handling Inbound & Outbound calls
- Taking ownership of the files allocated to me and making sure that the Service Level Agreement is not missed
- Handling escalations Mailbox
- Thorough knowledge of functions and process of mortgage cycle to ensure timely settlement of loans.
Team Indexing – Senior Pre Assessment Officer
ANZ Support Services Pvt Ltd
Bangalore
02.2017 - 06.2018
- Pre-checking the pre-Assessment work
- Classifying files based on complexity
- Handling escalations and requests
- Validating the documents for appropriate queues
- Check applications for required details along with required documents
- Data entry of customer details on internal Application (MOS)
- Checking accounts for any additional information to be updated
- Updating document status and sending relevant faxes based on the document status
- Identify whether documents are credit critical or non-credit critical
- Managing team, tracking SLA, Queue Management
- Contacting the Broker if there are any additional documents required
- Have been part of Automation project, where have single handedly managed 12 robots (12 systems being automated)
- Also involves in regular tracking of these systems and generating reports accordingly for each system
- Liaising with the Automation team on regular basis for feedbacks for improvement.
Practitioner
Concentrix Daksh Services India Private Limited
Bangalore
11.2014 - 01.2017
- Demonstrate a high level of independent judgment to provide an Overdraft Limit by calculate customers Income and Expenses and understand the affordability for repayments
- Helping the customers to bring back their Overdraft accounts from collections
- Handling In-bound and Out-Bound collection calls
- To work with customer/clients to deliver high levels of customer resolution.
- Conduct team huddles and provide updates for new hires.
- Take-on additional responsibilities and projects for the process improvements.
- Good inter-personnel & communicational skills.
Education
Bachelor of Commerce - Finance And Accounting
Bangalore University
Bangalore 04.2013 - 04.2015
Skills
Good inter-personnel & communicational skills
Playing Snooker
Love to spend some quality time playing snooker
Timeline
Assistant Manager/Client Services
Joules To Watts Business Solutions Pvt Ltd
03.2022 - Current
Credit Assessment Officer
ANZ Support Services Pvt Ltd
12.2019 - 04.2022
Senior Refinance Officer / Senior Analyst/ Operation Support Officer
ANZ Support Services Pvt Ltd
06.2018 - 12.2019
Team Indexing – Senior Pre Assessment Officer
ANZ Support Services Pvt Ltd
02.2017 - 06.2018
Practitioner
Concentrix Daksh Services India Private Limited
11.2014 - 01.2017
Bachelor of Commerce - Finance And Accounting
Bangalore University
04.2013 - 04.2015
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