Veeraraghavan P S

Experience

• 

  Accenture Services Private Limited. Banglore

  Oct 2007 - Nov 2009

  Senior Associate

  Cash remittances to customer’s accountPreparing of daily Cash in-flow and Cash logsAnalyses on daily teller difference and missing cash in/outPreparing branch cash balancing reports on daily basis

• 

  IGATE

  Mar 2010 - Jan 2013

  Mortgage Underwriter

  Validating the invoices received from the vendor and updating that it appropriate systems.Analysis of system generated exceptions, taking appropriate action on them.Managing complex case of invoices and following the exception procedures.Follow ups with respective vendor and if required hold discussion with vendor to authenticate the invoice provided.Verification of all documentation and audits to confirm accuracy of documentation submitted. Reviewing the 4Cs- Credit, Collateral, Capacity and Character.Analysing of Title Documents, credit reports and performing the checks for risk & fraud activities.Reviewing the property appraisal to know the adequacy of the collateral.Verification and analysis tax returns of the applicants and the bank statements to calculate income abilities of the borrower. Calculating Housing Expense Ratio, Debt to Income Ratio, Loan Value Ratios to check borrower’s ability to repay the debts. Conditioning for missing documents & Pricing the loan as per guidelines Rendering loan decision: approval, suspension or denial. Show less

• 

  ANZ

  Jan 2013 - Feb 2021

  Managing team size of 20 staffs, as part complex credit assessment we simultaneously assess customer’s finance requirements across different products -home loans, commercial loans and unsecured lending. As manager hold Credit Approval Discretion (CAD) -$4 Million for Home Loans, $1 Million for Small Business Loans and Temporary Overdraft $85,000.Monthly capability planning based on the forecasted volume, analysing variance, preparing reports such as state of heath of the teamMonitor customer driven service level metrics and ensure service levels are accurately monitored and reported.Motivating the team to deliver on the service levels, meet or exceed productivity and quality targets through accurate capacity planning and monitoring of service/productivity levels throughout each day.Ensuring optimal performance by staff members through well designed training, development plan, succession plans and developing continuous improvement initiatives.Annual budget preparation for the team, building appropriate strategy to stop the leakage of revenue, developing mechanism for effective cost control, aiming budget objectives, engaging the team on various corporate social responsibilities activities.Assisting in the annual audit review, assurance and control analysis.Managing escalations, customer complaints and stakeholder connect and take necessary actions to improve the stakeholder feedback.Liaison with credit managers to understand the risk level and making recommendation if outside authority.Assessment of high value home loans and commercial loans simultaneously and providing one decision.Analysis of cash flow forecast, business plans and understanding the customer’s funding requirements.Analysis various industry giving appropriate direction to the team.Understanding the risk and mitigation of unsecured security position, possible fall back options, analysis of customer’s industry and management experience. Show less Credit approval discretion of $1 million AUD for business lending and $4 million AUD for unsecured lending.To prepare/analyses various business reports to propose changes required for the business.Manage SLAs, KPIs and key processes with Operations team and assure continued adherent.Ensuring compliance with retail credit policy and guidelines of the Bank, Reserve Bank and other regulatory bodies.Discover various tools with the business intelligence team to assess and control key risk areas.Coordinating with different teams like legal, fraud, document preparation, drawdown etc, on disbursement process for loans to be sanctioned Handling delinquent, charged off accounts and planning for recovery and implementing mechanism to mitigate the sameHelped in facilitating a robust credit analysis process through process reengineering initiativesManaging work flow for the team, assigning work and allocating activities.Initiating and implementing process improvements to ensure banks risk has been mitigated in the changing world. Show less

  • Assessment Manager

    Jan 2016 - Feb 2021

  • Senior Credit Assessor

    Jan 2013 - Jan 2016
• 

  Wells Fargo

  Feb 2021 - Sept 2021

  Operation Manager 2
• 

  ANZ

  Sept 2021 - now

  Credit Manager