Ujjwal Gupta

Experience

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  SBI Card

  Feb 2021 - Aug 2021

  Associate Operations Audit (Quality Analyst)

  ❖ Conducted sampling of all processed applications and generated comprehensive reports to provide insightsinto the credit card application process.❖ Vigilantly monitored the application process for credit cards, identifying and rectifying errors to ensure accuracyand efficiency.❖ Engaged in detailed discussions with agency managers to address errors and implement corrective measuresfor improved process performance.

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  Indifi

  Aug 2021 - Mar 2022

  Credit Officer Unsecured Business Loan

  ❖ Evaluate borrowers' profiles, income stability, and repayment capacity to assess creditworthiness.❖ Analyze financial statements, conduct banking analysis, and review bureau reports to gauge financial health.❖ Engage in discussions with applicants to comprehend their business profiles, identify risk areas, and understand loan requirements.❖ Collaborate efficiently with sales, operations, legal, technical, and customer support teams to facilitate smoothprocessing.❖ Ensure timely processing of proposals to meet faster Turnaround Time (TAT) requirements.❖ Maintain compliance with internal credit policies, RBI guidelines, and regulations specific to NBFCs.❖ Monitor the existing portfolio to identify cases requiring action for maintaining underwriting quality in the future. Show less

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  Bank of America

  Mar 2022 - Dec 2022

  Team Member Fraud analyst

  ❖ Performing duties as a fraud analyst specializing in Debit fraud claims strategy and operations (DepositClaims).❖ Handling claims and disputes to identify suitable recovery opportunities through the application of variouschargeback codes according to standard procedures.❖ Managing claim initiation, Provisional Credit, Recovery, chargeback, and Representment in adherence to VISA& Mastercard regulatory guidelines.❖ Collaborating closely with merchants seeking refunds for different transactions, analyzing disputes and claimsaccordingly. Show less

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  NatWest Group

  Dec 2022 - now

  Senior Analyst Mortgage Payment Reconciliations and Investigations

  ❖ Ensure alignment between various cashbooks concerning mortgage payments. Investigate multiple paymententries and assist stakeholders in correctly allocating payments to the appropriate accounts.❖ Aged Breaks Reduction: Brought down aged breaks significantly below the agreed threshold limit.❖ Escalation Management: Successfully resolved all escalations, ensuring no customer complaints.❖ Risk Mitigation: Investigated break items proactively to prevent future escalations and financial losses.❖ Proficient in meeting stringent deadlines to minimize any customer disruptions.❖ Skilled in initiating and approving payments as integral aspects of daily operational procedures.❖ Effectively oversaw critical accounts, consistently achieving the one-day aging standard and reducing aged breaksbelow the agreed threshold limit.❖ In my role as a BCP staff, I have undergone training in essential team activities and have proven myself as adependable member, always ready to support the team as needed.❖ Deliver process walkthroughs to diverse teams and stakeholders to identify automation opportunities within theprocess. Show less