Tamilzhselvan B
Chennai
Summary
Professional Risk Analyst with 6+ years of experience in Financial Fraudulent. Having Experience in Pre and Post Retail Assets like Personal loans, Business Loans, Home loans, Mortgages, Working Capital, Vehicle Finance and Cards. Adept at using data-driven models to evaluate borrower profiles, ensure regulatory compliance, and minimize default risks. Proven ability to collaborate with cross-functional teams to develop risk mitigation strategies and enhance loan approval processes. Strong understanding of financial statements, credit scoring models, and market risk indicators, with a commitment to maintaining the integrity and profitability of the lending portfolio.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Associate Deputy Manager - FCU
Cholamandalam Investment and Finance Company Limited
Chennai
05.2022 - Current
- Fraud Control Unit (Retail Assets & Investigations) Conduct pre-sanction sampling of retail asset files to identify anomalies, potential fraud indicators, and ensure documentation authenticity.
- Undertake post-disbursement investigations involving internal collusion, customer complaints, and third-party misrepresentation.
- Handle case-based field investigations in coordination with vendors and internal teams.
- Complaint Resolution & Risk Mitigation: Manage customer complaint investigations related to fraud or misrepresentation.
- Liaise with internal teams (Credit, Sales, Legal, Operations) to resolve issues and prevent recurrence.
- Document investigation findings and assist in initiating disciplinary or corrective actions where required.
- MIS & Data Management: Maintain, update, and analyze fraud-related MIS reports for the South Zone.
- Generate dashboards and regular reports for management review on fraud trends, complaint closures, and investigation status.
- Billing & Vendor Coordination: Oversee billing processes and cost tracking related to fraud control activities and external investigation vendors.
- Ensure accurate data reconciliation and timely processing of vendor payments.
- Compliance & Process Improvement: Ensure all activities are aligned with regulatory guidelines and internal fraud risk policies.
- Contribute to periodic audits, process reviews, and suggest improvements to enhance fraud prevention mechanisms.
Risk analyst & Backend
HDFC Bank, HDB Financial services
Chennai
01.2020 - 05.2022
- Handing entire Tamilnadu in Consumer Retail and also Handing, RIC activities for all products Maintaining login registers at the Branch and ensuring every case is screened and recorded Coordination of seeding activities on dealers, agencies, and executives to ensure.
- KYC norms Generating & maintaining MIS reports pertaining to the process of corrective actions and presenting the same to the management for facilitating decision making checking daily transaction login and MIS for smooth process efficiency.
- Conduct research to verify information on new account documents and their KYC, also ensure that new account holders are not high-risk customers and do not have restrictions or negative activities that would make impact their opening a new loan account.
- Making decisions and suggestions in the areas of marketing, product development, and customer satisfaction, by watching sales and market trends and observing customer behavior.
- Using known resources to confirm account information and recognize the potential risk of new applicants
- Typically analyzing existing policies and procedures relating to new customer research and account analysis to ensure compliance and make suggestions for improvements to these processes.
- Will generate reports covering the findings of these analyses and meet with senior management staff to review existing and proposed procedures.
Risk Analyst
Kaviya management services
Chennai
07.2018 - 12.2019
- Well-versed in using Lasersoft(LS) & Loan Originating System(LOS) and implementing Risk analysis techniques.
- Reviewing and evaluating customers' profile loan documents and identifying fabricated documents.
- Expert online checks documents to identify fabrications Identify areas that require increased security to controls to protect the organization and its end-users from future fraud Handle the task of clearing cases in stipulated timelines.
- Have good knowledge of fraud trends in secured and unsecured loans
Education
Bachelor of Commerce - General
Annai Thereasa Arts and Science College
Chengalpet2018
HSC -
Govt Boys higher sec school
Chengalpet2015
SSLC -
P.T.V.S Higher sec school
Chengalpet2013
Skills
- Loan Originating System (LOS)
- MS Excel, Power point, MS Word
- Typing
- Zoom/Microsoft team
- Resourceful problem solver
- Adept at remaining calm in stressful situations
Certification
Cyber security May 2025
Languages
Tamil
Bilingual or Proficient (C2)
English
Upper intermediate (B2)
Telugu
Elementary (A2)
Hobbies
Music, Travelling, Web surfing
Accomplishments
- Managed risk analysis for consumer retail portfolio across Tamil Nadu, improving accuracy in high-risk customer identification.
Qualities
- Time Management
- Problem Solving
- Analytical Thinking
- Team Coordination
Timeline
Associate Deputy Manager - FCU
Cholamandalam Investment and Finance Company Limited
05.2022 - Current
Risk analyst & Backend
HDFC Bank, HDB Financial services
01.2020 - 05.2022
Risk Analyst
Kaviya management services
07.2018 - 12.2019
Bachelor of Commerce - General
Annai Thereasa Arts and Science College
HSC -
Govt Boys higher sec school
SSLC -
P.T.V.S Higher sec school