Satish Kumar

Experience

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  Bank of America

  Apr 2012 - Sept 2015

  Senior Fraud Analyst

  Compliance:- Creating fraud cases on basis of client complaint (MFP). Updating Client card status as per case Lost/stolen. Reconciling and transferring Balance. Taking care and updating credit history of customer. CACB (customer assistance chargeback) Chargeback faulty merchant without any complaint as a proactive approach.Maintenance:- Taking care of card status. Taking care (Reconciling, transferring and matching) balance of customer account. Making arrangement for credit against fraud transaction. Customer transaction validation. Analyzing customer history spending pattern. Analyzing for more fraud transactions and marking fraud. Analyzing to take the loss or further review. Decision making for fraud for further review or sundry loss or chargeback.Recovery:- Claim analysis. Documents analysis. Processing chargeback. Show less

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  British Telecom Global Services India Limited

  Sept 2015 - Jun 2018

  Pricing Analyst

  RT:- Taking care of inbound calls Resolving customer queries on inbound call and E-Mails and dedicated application. Analyzing customer invoice for variation and fraud. Taking care of disputed calls and high charges on call. Conference analysis report. Charges pricing and rates on customer account. Making arrangement for credit. Managing customer account, password, and status.Pricing:- Daily call with LOB to discuss and update about process and problems, update them and query resolution. Creating and applying pricing plans service plans and subscription. Bridge, Transport, Cancellation and feature charges. DDI, ITFN, Toll-free, Dial IN, Private network. Taking care of services activation and deactivation. Resolving all type of exception. Taking care of feeds for LOB. Daily Error and exception reporting. SPOC for multiple activities – Attendance, leave, Transport, Training. Responsible for the training and Onboarding for associates hired/entered in Pricing. Keep track of daily volume, TAT, SLA and RFT. Show less

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  HDFC Bank Limited

  Jul 2018 - now

  Credit Manager

   Doing Credit Underwriting for Personal Loan. Done Credit underwriting for Two Wheeler Loan and Consumer Durable Loan. Character - Analyze Character by credit history, credit report and credit score (CIBIL, Experian and Equifax), Tele verification and Personal Interview. Capacity - Analyze Capacity by bank statements, Salary slips, ITR and Debt-to-income ratios (DTI), the relationship between applicant's personal debt and income and how much extra cash he have available for a loan. Capital - Analyze Capital by Primarily looking at the amount of owner’s capital invested in the Product and evaluate how much money applicant have invested in the Product Collateral - Analyze Collateral by checking if applicant have something to lose if he default on his loans. With a view that the collateral will encourage applicant to work hard to repay their loan. Conditions - Evaluate Conditions by considering the principle, interest rate, and monthly payments to determine if applicant can feasibly take on that loan. Also carefully consider how Applicant is planning on using the loan as the purpose of the loan can greatly affect the intention to pay. Working on CIBIL, EQUIFAX and EXPERIAN. Show less