Hi, I’m
YOGESHWARAN MOORTHY
Chennai
Summary
Looking forward to develop into a full-fledged professional imbibing the values and knowledge from the inspiring and intellectual work environment, prevailing in this organization, which will help me to explore myself fully and realize my full potential.
Overview
14
years of professional experience
1
Language
Work History
Standard Chartered Bank
Senior Officer – Loan Operations
11.2016
Job overview
- Performing KYC, CDD and Credit Analysis of the customer for retail lending products like Personal loan, Auto loan, Credit cards and Overdrafts. It is my duty to undertake credit evaluation and approval of loans to the customers.
- Assessing whether the applicants qualify for loans based on the information furnished in the application form.
- Verifying and ensuring all the documents provided by the customer is proper and up-to date.
- Analysis of credit worthiness of the customers by checking the credit bureau report, bank statement, loan statement etc.
- Analysis of Debt Burden Ratio and fixation of limit by reckoning the income components and other obligations if any.
- Detection and prevention of fraud or forgery to eliminate the risks.
- Setting-up interest conditions in Loan processing systems.
- Responsible for disbursing the loan amount to the customers as per the guidelines set.
- Ensuring the queries are monitored on a timely basis and regular follow-up is done to ensure effectiveness.
- Submission of daily MIS and monthly reports on the volume processed, referrals, funds disbursed and rejections of loans to respective Stake holders.
- Tracking and analyzing the customer complaints through sales executives by providing root cause analysis on feedback received from client/Business unit.
- Instrumental in reducing the referral rate by monitoring the team’s entire referral and co ordinating with country on referral calls along with giving timely feedback to team members.
RBL Bank
Officer
01.2014 - 02.2015
Job overview
- Handled cash operations.
- Handled funds transfers through RTGS, NEFT, and through cheques.
- Issuance of DD/CC.
- Constantly able to conceptualize and review the KYC/ AML risks involved in processes and formulate policies to mitigate the same.
- Preparation of Daily reports.
- Resolution of customer request and complaints.
- Ensuring compliance and timely submission of statutory data like Banking Cash Transaction Tax, Large Cash Transaction Reports etc. to corporate centre on an ongoing basis.
- Reconciliation of suspense accounts.
Cognizant, Chennai
Senior Processing Executive
06.2012 - 07.2013
Job overview
- Coding Health Insurance coverage benefits in BXUI web application.
- Handling the team and clarifying their doubts.
- Raising corrective action plan to improve both Quality & Productivity
- New updates received on daily and that are to be shared to the team by conducting team meetings.
- Maintaining the production tracker on a daily basis.
- Analyze and eradicate the TAT on daily basis.
- Project : WellPoint - BXUI
- Project Client : WellPoint
- Operating System : Windows XP
- Application Worked : Citrix, NASCO, Web application
MMC InfoTech Services Pvt Ltd, Chennai
Customer Service Executive
11.2011 - 06.2012
Job overview
- Checking all the required documents given by the customer for loan.
- Importing data from Application, Primary, Secondary and income documents to CLS (Certified Lotus Specialist) and CIBIL(Credit Information Bureau India Limited).
- Calculating the loan quantum based on CLS and CIBIL report.
- Residence and office address verification through telephone.
- Receiving CPV(Common Procurement Vocabulary),PD(Primary Deficit) and RMFC(Risk Management and Finance Committee ) reports from regional CPA.
- Feeding data into CPV,PD and RMFC stages in ALPS(Automatic Loop Protection Switching).
- Cross checking the eligibility calculation done by team.
- Feeding the key data into Final CPA (Certified Public Accountant).
- Training new team members for importing data into CLS, CIBIL and loan eligibility calculation.
- Resolving queries across regions.
HTMT Global Solution Pvt Ltd, Chennai
Customer Service Executive
01.2009 - 04.2009
Job overview
- Solving customer’s queries through inbound calls.
- Assisting all package details of Airtel service provider.
- Achieving target (number of calls attended in a specific time frame) with in TAT.
Camera Citi, Chennai
Sales Executive
10.2004 - 10.2008
Job overview
- Selling & servicing of camera equipment’s.
- Maintaining good relationship with clients
- Handling cash counters.
- Servicing clients complaints with in TAT time.
Tyco Alert Fire Pvt Ltd, Chennai
Sales Executive
02.2001 - 08.2004
Job overview
- Selling & servicing fire safety equipment’s of products.
- Achieving target of the month
- Generating leads to existing clients.
Education
Diploma from Website Multimedia
University of MadrasChennai
Bachelor of Science from Mathematics
01.2004
Skills
Persistence
Additional Information
- Date of Birth : July 22nd, 1982.
- Nationality : Indian.
Timeline
Officer
RBL Bank
01.2014 - 02.2015
Senior Processing Executive
Cognizant, Chennai
06.2012 - 07.2013
Customer Service Executive
MMC InfoTech Services Pvt Ltd, Chennai
11.2011 - 06.2012
Customer Service Executive
HTMT Global Solution Pvt Ltd, Chennai
01.2009 - 04.2009
Sales Executive
Camera Citi, Chennai
10.2004 - 10.2008
Sales Executive
Tyco Alert Fire Pvt Ltd, Chennai
02.2001 - 08.2004
Senior Officer – Loan Operations
Standard Chartered Bank
11.2016
Diploma from Website Multimedia
University of Madras
Bachelor of Science from Mathematics
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