Yuvaraj P
Chennai
Summary
Underwriter with expertise in risk assessment and financial analysis. Adept at making informed lending decisions and optimizing credit portfolios to enhance organizational performance. Eager to leverage my skills in a challenging role that supports business objectives and fosters growth.
Overview
3
3
years of professional experience
Work History
Senior Analyst - Underwriter
Teleperformance
Chennai
12.2023 - Current
- Analyzed loan risk through KYC verification and information requests to mitigate underwriting risks.
- Assessed creditworthiness for high-net-worth individuals (HNWIs) by reviewing financial statements.
- Evaluated funds' source, use, and transactional history for HNWI loan applications.
- Managed financial spreads and records for accurate loan documentation.
- Interacted daily with clients via email, calls, and chats to resolve inquiries.
- Monitored analyst performance and provided feedback for efficiency.
- Offered strategic recommendations to project managers based on Credit Analysis Summaries (CAS).
- Oversaw the State Farm Payment Plan (SFPP), verifying payments and vehicle premiums.
- Resolved SFPP transaction errors and information using CC Payment Plan tools.
- Conducted VIN checks to validate vehicle data and prevent duplications.
- Managed premium calculations and policy issuance based on vehicle valuations.
Pre-Underwriter
Wells Fargo India Solution Private Ltd
Chennai
08.2021 - 09.2023
- Lead preliminary underwriting by consolidating policy data for efficient adjudication.
- Authenticate vehicle KYC documentation to ensure compliance with underwriting protocols.
- Utilize analytical tools to assess payment modalities, VIN data, and vehicle specifications for policy accuracy.
- Evaluate and quote vehicle premium valuations based on thorough data analysis and documentation review.
- Manage multi-jurisdictional applications, ensuring compliance with state mandates and agent identifiers.
- Review policy statuses (active/inactive) and correct discrepancies to avoid underwriting errors.
- Identify and resolve duplicate or lapsed policies, collaborating with agents to clarify inconsistencies.
- Oversee multi-vehicle policies, ensuring all vehicles are accurately incorporated and validated.
- Administer SFPP and CC transactions, ensuring fiscal accuracy and minimizing discrepancies.
- Conduct Credit Analysis Summaries (CAS) to assess policyholder creditworthiness and support underwriting decisions.
- Stay alert for red flags in the underwriting process to ensure risk mitigation and legal compliance.
Education
B.Com - Accounting And Finance
Agurchand Manmull Jain College
Chennai07-2020
Skills
- Risk Analysis & Compliance
- Credit Assessment
- Financial Analysis
- Policy Management
- Strategic Recommendations
- Ratio analysis
- Credit Underwriting
- KYC
- Transaction Monitoring
Accomplishments
- Awarded for creating accuracy in inventory file (recognized from Global team)
- Certified Underwater Explorer and Surfer
- Certified Drone pilot and Drone technician
- Division and the state Player of football and athlete
- Awarded certificate in NCC & NSS
Languages
Tamil
First Language
English
Proficient (C2)
C2
Timeline
Senior Analyst - Underwriter
Teleperformance
12.2023 - Current
Pre-Underwriter
Wells Fargo India Solution Private Ltd
08.2021 - 09.2023
B.Com - Accounting And Finance
Agurchand Manmull Jain College
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