VISHNU VARTHAN TS
Chennai
Summary
I act as a leader at all levels who have the hunger to work with some of the smartest people, driven by a sense of purpose, and wish to leave a legacy in the respective domains and among the professional fraternity.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Senior Financial Analyst (Team Lead)
Barclays Bank (Partner finance) UK
Chennai
06.2022 - Current
- Risk and controls Financial Analyst
- Reviewed customer documents to ensure they meet the Anti-Money Laundering and Know Your Customer requirements.
- Prepared detailed documentation for all KYC reviews performed, including records of all customer interactions.
- Monitored customer accounts for suspicious activities and transactions based on established guidelines.
- Identified potential issues related to AML and KYC compliance in accordance with applicable laws and regulations.
- Performed due diligence investigations to verify customers' identity, background, and source of funds.
- Perform risk assessments on potential loan recipients based on credit rating, borrowing history, and other specific risk factors,using AS400, Debt manger, INSTINCT GBG,EQUIFAX,TRANSUNION and EXPERIAN search.
Doing QC on agents who have implemented the ROI and plans based on customer’s i&e analysis for BPF (Retail, Shopping ready and Motor ), in UKC (Credit card)
Focus of work to check with the agents plan updating weather they have created the plan based on customers profile and if agent missed to check any plan to get expire before the maturity period.
If customer has gone into Charge off status need to check any plan has been implemented based on customer’s i&e profile and credit status.
Checking whether the Notice letters such as Arrears, termination,6 monthly letters are been shared with the customer or not, if not need to raise exception and need to be remediated with SLA
Need to validate the i&e of the accounts doen by the agents Record loan denials and information basis for declining application. Monitor and report noncompliance with loan covenants.
Maintain client relationships and provide superior customerservice.
Review loan documentation and vendor reports to identify signs of fraudulent activity.
Develop and implement underwriting policies and procedures.
Experience with underwriting automation tools preferred
Demonstrated proficiency with Microsoft Office (Excel, Outlook, Tableau)
Senior Associate
Cars24 Sales and Financial services pvt ltd
Chennai
04.2021 - 04.2022
- LOAN PROCESSING AND SALES ON USED CARS AND TWOWHEELERS
- Analyze customer transactions to detect suspicious activity and prepare detailed reports
Monitor customer accounts for any suspicious or unusual activity
Conduct research on customer backgrounds and activities including KYC checks
Analyze customer information to accurately assess risk
Conduct training sessions and educate staff on banking regulations and compliance
Assist in the development of new AML policies and procedures - Maintained responsibility for all inquiries, concerns and complaints, resolving matters effectively and to satisfaction of customers.
- Manage Automotive Finance governance and compliance policies, reports and issues (including Customer Privacy, Know Your Customer process, AML/ATF statements, etc.), ensuring AF and Bank’s legal interests are protected from an operational and reputation risk perspective
Anti-Money Laundering Officer, ensure that AF is compliant with the Bank Act, PIPEDA, and with regulatory directives as issued by OSFI, FCAC, CBA
Maintaining adherence to the Bank’s Anti-Money Laundering program and Guidelines for Business Conduct,by reporting any unusual occurrences or fraudulent activities per established procedures.
CREDIT MANAGER
MUTHOOT FINCORP
Chennai
04.2019 - 04.2021
- NON BANKING FINANCIAL SECTOR LOAN PROCESSING AND SELLING
- Negotiated repayment plans with debtors who were unable to pay their full balance due immediately.
- Ensured compliance with relevant financial regulations and standards.
- Assessed departmental performance against key performance indicators (KPIs).
- Evaluated customer applications for credit limits in accordance with established guidelines.
- Monitored customer account details for payment activity.
- Identified possible issues with credit systems and monitoring by streamlining processes ahead of time.
- Evaluated business practices and loan procedures to assess risk and develop mitigation plans to protect business operations and assets.
- Managed reporting, documentation and recordkeeping requirements for department.
- Investigated customer complaints related to the loan application process and provided resolutions in a timely manner.
- Conducted credit analysis on loan applications to ensure creditworthiness of potential borrowers.
- Performed due diligence reviews on third party vendors utilized by the department in order to ensure compliance with organizational policies.
Senior Financial Analysis (TL)
SURE SHELTERS & FINANCE
Chennai
05.2015 - 05.2017
- Housing Loan Processing / Selling
- Analyzed financial data such as income, assets, liabilities, and credit history to determine risk factors associated with each loan application.
- Evaluated existing customer accounts for refinancing opportunities or additional services offered by the company.
- Negotiated terms and conditions of loan agreements with borrowers.
- Processed new loan applications in accordance with established guidelines.
- Prepared loan documents such as commitment letters, closing statements, promissory notes and deed of trust.
- Developed relationships with real estate agents, builders and other referral sources in order to generate business leads.
- Developed loan contracts and explained contract terms to clients.
- Conducted comprehensive financial analysis for loan underwriting process.
- Prepared and submitted complete loan application packages accurately.
- Managed loan portfolio to ensure timely payments and risk reduction.
- Collaborated with underwriters to develop customized loan solutions.
- Identified valuable solutions for customers with credit problems.
Education
MBA - FINANCE AND OPERATIONS
SRM UNIVERSITY
04.2019
B.E - CIVIL ENGINEERING
SAI RAM ENGINEERING COLLAGE
04.2015
HRS & SSLC - BMPC
SREE VENKATESWARA MATRIC.H.S.S
03.2011
Skills
- Proficient in AML/BSA investigative techniques and processes
- Highly detail- oriented and organized
- Excellent problem- solving and analytical skills
- Banking operations
- Advanced knowledge of fraud detection and prevention
- Strong understanding of KYC and enhanced due diligence procedures
- Excellent written and verbal communication skills
- Business Operations Analysis
- Financial statement review
- Proficient in Experian, Equifax, MRZ (Barclays tool for OVD)
- Underwriting
- Risk Assessment
- Credit decision making
- Loan Documentation
Certification
- Excel Advance Formulas and Functions
- Excel Macros and VBA for Beginners
- Certification Excel on Banking Professional
- Certification Corporate Finance Foundation
- Certification Investment Banking Foundation
- Certification Accounting for Manager
- Certification on Robust Financial Modeling
Technical Skills &Achievements
- Microsoft office suite
- Autocad
- Digital marketing(basics)
- Won 1st & 2nd prize in c2c event for Marketing and Operations
- Won 3rd prize on Business plan presentations on online groceries and data analyses of online market
- BARCLAYS Bank - Process Simplify Idea, December 2023, I have shared my process idea to simplify the process from the initial stage where 2 stages of QC can be removed if the idea of checking the router positions which are the 3rd parties were our agents no need to work on that specific accounts as the 3rd party will be doing the I&E where we no need to check their work too, which will reduce the time on specific controls in the future, which was successfully implemented on December 2023, for which I was recognized by our VP.
Personal Information
Date of Birth: 07/06/94
Languages
- HINDI (basic)
- MALAYALAM (basic)
- TAMIL
- ENGLISH
Projects
- BASKMART - Team leader, 09/2015- 09/2016, Handling the Operations and Marketing of the FMCG products
- HDFC Banking - internship, 05/2017- 07/2017,Understanding the process of net banking, transactions processing based on merchants and customer's CASA screening of UPI transactions.
- RIGOUR SOLUTIONS- Internship, 06/2018- 08/2018, Understanding the behavior and evaluation of customer experience at stores of retail and online.
- RIGOUR SOLUTIONS-Internship, 02/2019-04/2019, To perform market trend analysis and conduct market research and data collection of online purchase
Timeline
Senior Financial Analyst (Team Lead)
Barclays Bank (Partner finance) UK
06.2022 - Current
Senior Associate
Cars24 Sales and Financial services pvt ltd
04.2021 - 04.2022
CREDIT MANAGER
MUTHOOT FINCORP
04.2019 - 04.2021
Senior Financial Analysis (TL)
SURE SHELTERS & FINANCE
05.2015 - 05.2017
MBA - FINANCE AND OPERATIONS
SRM UNIVERSITY
B.E - CIVIL ENGINEERING
SAI RAM ENGINEERING COLLAGE
HRS & SSLC - BMPC
SREE VENKATESWARA MATRIC.H.S.S
- Excel Advance Formulas and Functions
- Excel Macros and VBA for Beginners
- Certification Excel on Banking Professional
- Certification Corporate Finance Foundation
- Certification Investment Banking Foundation
- Certification Accounting for Manager
- Certification on Robust Financial Modeling
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