Hrushikesh Rout

Experience

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  Axis Bank

  Oct 2011 - May 2013

  Asst. Manager

   Focus on KYC, Operational Guideline and knowledge in BACK OFFICE job and other Operational Field.  Managing various loan disbursal operations, handling proposals, writing documents, releasing Retail loans. Processing Loan Applications, opening new loan accounts, booking loans on the system & undertaking disbursement operations. Compiling and analyzing the various MIS reports related to prepaid cards and circulating the same for management review. Trained to make transfer of cheques, how to make DD/PO, RTGS/NEFT, Mobile & SMS Banking, Debit Card Hot Carding, how to do OSC/LC, CMS entry etc. outward & inward remittance of cash. Exploring new business opportunities to increase market share such as making presentations to the clients. Conceptualizing & implementing sales & marketing with operations plans in tune with macro Business plans, thereby achieving profitability. Coordinating between branch target and personal target in M.E.B, M.D.A.B & C.D.A.B.  Selling of SB A/C, CA A/C, FD, RD, TRUST A/C,L.I,G.I,MUTUAL FUND, GOLD COIN AND SIP,RD & FD. Show less

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  ANZ

  Jun 2013 - Aug 2014

  Business Analyst

   Responsible for reconciliation of all the ANZ New Zealand Branches Bank Owned Accounts(BOA) Like:- Cash, ATM Cash, ATM Deposit, Mother Bag, Coin Deposit, General Ledger, Sundry Transfers, Foreign Cash, Transit, Working in a Team and taking up the Work from the Retail Banking Branches in New Zealand and identifying the different issues of all the BOA Accounts and resolving all the issues. Using ANZ Direct Online for downloading the Data of all the BOA accounts and passing the necessary entries for Coin Deposits. Using different applications like: Control D, Web view, Cold Archieve, Rife, Service Delivery Application for identifying and validating different transactions that are passed through the BOA accounts. Using Systematics for checking Customers accounts and also passing necessary entries through Iron. Identifying the different issues in all the BOA Accounts and Communicating with Branches through email and phone to solve them. Responsible for preparing Mortgages reports, preparing RECO, Interest Margin, Redraw Not close, NCC, WINBACK and LAC. Review loan agreements to ensure that they are complete/accurate and creating customer’s profile and accounts for the new or existing customers according to policy. Analyzing and maintain daily interest margin discounts to the customers’ loan accounts as per the request from branch or as per their eligibility and approvals from branch. Processing Loan Reconstruction /Reconciliation such as margin discount adjustments, redraw adjustments, Off-set adjustments, etc.as per the request from branch or as per the eligibility.  Working on Win back, Information request as per the customer request and provides them utmost best possible ways to get back. Not close process by closing and reopening of customers DDA and ILS accounts as per the customer and Branch Request. Show less

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  Tata Consultancy Services

  Aug 2014 - now

  Assistant Manager

   Reconciliations in between the systems (ratings, Limits and other static data) Quarterly review of Standard Operating Procedures as per the regulatory requirement. Facilitate and promote the understanding of Regulatory and compliance requirements. Portfolio Analysis Overdraft Analysis & Utilization, Trend Analysis, Forecasting Risk Analysis like High Risk Worsened & Medium Risk Worsened  Preparing reports about the degree of risk in lending money to clients Analyzing client records and using the data to recommend payment plans Conferring with credit associations and references to exchange credit information on clients Evaluating the financial status of clients by producing financial ratios through programs Conferring and verify their financial/credit transactions and to resolve their complaints Develop complex programming models to extract and manipulate databases to provide statistical and financial modeling. Perform complex credit risk analysis and/or modeling to maximize profits and asset growth. Evaluate customer records and recommend payment plans based on earnings, savings data, payment history and purchasing activity. Complete Limit applications including credit analysis, and summaries of loan requests and submit to Manager for approval. To develop scoring models, update application and behavior scoring models based on actual experience and the latest advances in risk management technology Recommend adjustments to the underwriting or collection policy or process in order to provide a better balance of risk and rewards whilst also monitor adherence to the consumer lending policy including exceptions to policy/procedure or risk tolerance. Production trend analysis of customer’s Review of customers account and customers financial trend analysis Strike of and dissolve analysis of Limited companies Show less