Chandra Babu tintu
Credit Analyst / Underwriter
Dubai
Summary of Career
1. Overhauled credit collection policies to improve collection rates.
2. Analyzed the performance of 1000+ client loans, cards and other products over the course of 10+ years.
3. Trained, motivated, supervised and retained up to several credit vetting staff members.
4. Served as the point of contact for all credit reporting and fraud agencies (both internal and external).
5. Compiled required court-related statistics within an Excel spreadsheet on a quarterly basis.
6. Instituted a program of checking all new accounts, regardless of amount, to minimize fraud.
7. Created work schedules and strategies for all teams company wide.
8. Negotiated settlements and payment terms with all customers.
9. Performed credit appraisals, document verification, and loan approvals.
10. Supervised an office staff of ten members.
Assisted in Underwrites certification Program developed in collaboration with SOCIETY OF HUMAN RESOURCE MANAGEMENT MEA FZ LLC
Experience as Credit Manager
05 February 2015
20 October 2019
Job Responsibilities:-
•Responsible for processing customer credit inquiries, research and evaluate clients creditworthiness.
•Create credit scoring models to predict risks.
•Approve or reject loan requests based on credibility and potential revenues and losses.
•Calculate and set interest rates and negotiating loan terms with clients.
•Monitoring payments and follow up with clients to manage debt settlements and loan renewals.
•Ensure all lending procedures comply with regulations and managing and maintaining client budget.
•Develop review and update company credit policies in line with government rules and regulations.
Additional Responsibilities:-
• General office management duties, as well as management and coordination of Administration and support team.
• Arranging training for staff members.
• Implement and maintain company standard documents and formats and maintain office standards and etiquette.
• Update and ensure the compliance of office procedures.
• Establishing office procurement policies and there by adhering to it thereafter.
• Presents recommendation for salary changes, promotions, terminations and other personal related actions.
• Interviews or coordinate interviews of candidates for employment, analyze qualifications checks references and makes recommendations for employment.
• Maintains personnel records and any additional records which reflect the current work assignments, site locations and classifications of each position.
• Recommends needed organisational changes, overseas employee recognition program for years of service and overseas application for various benefit programs for employees.
Experience as Credit Analyst / Senior Underwriter
30 January 2008
17 March 2014
.Underwriting Credit risk of customers applying for Credit Card/Personal loan and Auto loan facilities.
• Verifying credit profile of salaried customer using pay slips, salary certificates, employer profile, line of service, credit history, bank statements etc.
• Verifying credit profile of companies for normal and fleet deals using company registration documents, bank statements, government documents, banking details, credit history and financial reports.
• Examine transactions to ensure accuracy, completeness and underwrite applications
• Ensure the documents are consistent and uphold to company and central bank guidelines
• Implement fraud detection techniques, performing compliance reviews
• Assist with re-negotiations of loans based on lending guidelines
• Liaise with sourcing channels for clarification regarding discrepant applications.
• Approving credit files with in bank policies and take necessary deviation approval from senior management while reviewing credit files.
• Giving training to trainees with regards to bank policies, process and bank systems.
• Creating daily MIS reports of department.
• Conducting internal audit.
• Staying informed about the legal, compliance and market-risk-related issues involved in the approval of credit.
• Conducting monthly meeting with team leaders, staff members and sales team.
• Conducting UIT when new systems are implemented and liaise with IT department for updates.
Bachelor 03 September 2007
Bcom from Kerala University Trivandrum India