Divya Arakkal

Experience

• 

  IDBI Bank

  Jul 2011 - now

  Manager at Retail Asset Operations• Coordinating with Retail Branches and Retail asset centres of the zone managingpivotal loan adjustments like rescheduling, Rate of Interest changes, part paymentsand closure of Auto loans, education loans, home loans, mortgage loans, personal loansetc.• Review of loan applications and supporting documents submitted by borrowers.Verifying the accuracy and authenticity of documents. Ensure that all loan documentation complies with regulatory guidelines and internal policies. Check for consistencyand data accuracy in financial data, employment history, and other relevant information.Credit Manager• Managed credit portfolios and conducted extensive credit underwriting on existingand prospective clients, including gathering, analysing, and interpreting all types ofcredit information.• Conducted various risk assessments, such as business risk, management risk, duediligence and background verification, in order to make sound credit decisions withinestablished guidelines and ensured business growth. Show less • Conducted AML/KYC investigations, including customer due diligence andenhanced due diligence processes. Conducted transaction monitoring to identify andinvestigate suspicious activities, ensuring compliance with regulatory requirements.• Creating & sustaining a dynamic environment that fosters development opportuni-ties & motivates high performance amongst team members.• Leading, mentoring & monitoring the performance of the team to ensure efficiencyin process operations & meeting of individual & group targets.• Authorization & Verifications of day-to-day banking transactions both in branchbanking and Loan disbursements.• Handling Daily and Monthly reports that are essentially for statistical purposes,assessing the branch performance in various areas.• Building and maintaining healthy business relations with clients, ensuring highcustomer satisfaction metrics by achieving delivery & service quality norms. Show less

  • Manager

    Jul 2020 - now

  • Assistant Manager

    Jul 2011 - Jun 2020