Jishnu Mohandas

Experience

• 

  HDFC

  Jan 2011 - Jun 2012

  Relationship Officer

  • Relationship Development: I cultivated and nurtured relationships with clients, offering tailored financial solutions and services to address their diverse needs and objectives, thereby fostering trust and loyalty.• Loan Application Facilitation: Guiding clients through the loan application process, I ensured a seamless and efficient experience by assisting with documentation requirements and facilitating application submission.• Mortgage Loan Approvals: Conducting thorough assessments of client applications and financial documentation, I secured mortgage loan approvals while ensuring strict adherence to company guidelines and regulatory requirements.• Internal Coordination: Coordinating with internal departments, I facilitated the smooth processing and disbursement of loans, ensuring timely and accurate completion of transactions to enhance client satisfaction.• Continuous Learning: Actively participating in training programs and workshops, I continuously enhanced my product knowledge and sales skills, staying abreast of industry trends and developments to better serve clients.• Sales Collaboration: Collaborating with team members and management, I contributed to the achievement of sales targets and objectives, thereby driving the overall success of the branch.• Recognition & Awards: I received recognition for my exemplary performance, including the High Flier Award for outstanding achievement and the Bravo Individual Award for exceptional contribution to team success, underscoring my commitment and dedication.• Organizational Growth: Through proactive engagement, innovative solutions, and a customer-centric approach to relationship management, I played a key role in contributing to the growth and success of the organization, solidifying its position in the market. Show less

• 

  Emirates NBD

  Sept 2012 - now

  As a Assistant Manager Fraud Management and Consumer Protection at Emirates NBD, My role is to lead value to the business by conducting quality assurance, training, investigations to drive acceptable behavior, offering professional opinions, recommend policy/ strategy/ process changes, within all Branch & Sales Units. The role holder is expected to create, implement, and lead the sales teams to ensure the availability of an effective risk and fraud management framework and support the organization’s overall risk profile and quality assurance. Key Responsibilities :● Lead to drive consumer protection education to avoid conflict of interest situations from arising and ensure proper investigations are conducted as soon as such cases are identified and reported. ● Lead the constant engagement platforms with various Product Leaders and UAE Central Bank’s internal representatives for any updates from regulatory Governmental organizations and compliances with changes to law regarding CPR. Continuously aligning these with Unit current updates. Ensure effective communication. ● Identify, evaluate, and mitigate all risks of deals that are routed to checkers and ensure that all suspicious cases are declined. ● Detect through investigations conducted if business sourcing is in line with approved policies and procedures. ● Manage Investigations into Sales staff monitoring accounts of customer segments out of the Domain area (example Priority, Private and Corporate banking customers to ensure that all access are justified and to ensure that Data Leakage is detected/avoided. ● Monitor Fraud Dashboards and ensure Dashboard is being used correctly and evaluate the efficiencies of rules.● Manage Fraud Alerts and update front end sales on syndicate attacks on the Bank regarding facility requests. Show less • Team Management: Orchestrating a dynamic team of over 30 professionals, I cultivate an environment of collaboration and continuous improvement, propelling us to exceed productivity targets and foster a culture of achievement.• Strategic Collaboration: Emphasizing internal collaboration, I prioritize effective communication and synergy with stakeholders, including Indirect & Institutional Sales Branches, recognizing and leveraging their strategic contributions.• Project Leadership: Spearheading key projects such as Bidaya, DMS, Gforce, and BPM, I drive successful outcomes, ensuring operational excellence and meeting the high expectations of stakeholders.• Portfolio Optimization: Displaying adeptness in managing diverse portfolios spanning individual and corporate clienteles, I leverage in-depth knowledge of retail products and SME policy to craft tailored solutions that optimize portfolio performance.• Inspirational Leadership: By inspiring and motivating team members to pursue excellence, I nurture a culture of growth and achievement, positioning our team as a catalyst for organizational success.• Analytical Proficiency: Leveraging advanced analytical skills, I meticulously verify and analyze credit information and documentation across corporate, self-employed, and salaried customer segments, facilitating accurate risk assessment and informed decision-making.• Strategic Reporting: I meticulously prepare insightful reports for presentation to the Bank’s credit committee, offering comprehensive analysis and strategic recommendations that inform and guide key decision-making processes.• Training & Development: Delivering impactful training sessions, I empower team members with the requisite skills and confidence to excel in their roles, thereby driving individual and collective business growth.• Effective Delegation: Through strategic task delegation, I ensure seamless coordination and execution of day-to-day activities Show less

  • Assistant Manager Fraud Management and Consumer Protection - Retail Governance

    Dec 2024 - now

  • Team Leader & Credit Underwriter RCO Autoloans

    Sept 2019 - Nov 2024

  • Senior Credit Analyst

    Nov 2015 - Sept 2019

  • Dedupe Processing Specialist

    Sept 2012 - Oct 2015