Scribd
Upload
5 views4 pages

Vignesh Resume PDF 2024

K. Vignesh is an experienced Bank Credit Underwriter with over 11 years in the financial industry, specializing in credit risk assessment and management. He has held roles at various banks, including ICICI Bank and HDFC Bank, where he has demonstrated expertise in credit underwriting, customer engagement, and compliance with regulatory standards. Vignesh holds an MBA in HR and has received multiple awards for his performance in the banking sector.

Uploaded by

vjnarayan2431
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
5 views4 pages

Vignesh Resume PDF 2024

K. Vignesh is an experienced Bank Credit Underwriter with over 11 years in the financial industry, specializing in credit risk assessment and management. He has held roles at various banks, including ICICI Bank and HDFC Bank, where he has demonstrated expertise in credit underwriting, customer engagement, and compliance with regulatory standards. Vignesh holds an MBA in HR and has received multiple awards for his performance in the banking sector.

Uploaded by

vjnarayan2431
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
You are on page 1/ 4

No:204 vembuli Amman Koil Street

K.VIGNESH Thirivanmiyur
EMAIL: [email protected] Chennai-600041.
MOBILE : 9566033462

Career Objective:

Diligent Bank Credit Under writer who remains current in credit regulations and procedures
within the financial industry. Adept at assessing client needs in a timely manner. Be a part of the
organization which encourages learning and has a proactive working environment so that I grow
with the organization and gain valuable experience.

Professional Experience:

Total work experience 11 Plus years

ORGANISATIONS ROLE

ADFCPRIVATELIMITED(SUBSIDERY OF
CREDIT MANAGER
HDFC BANK LTD)
TATA CONSULATNCY SERVICES
(PROJECTOFCOMMERCIALBANKOF PROCESS ASSOCIATE
QATAR)
HDFC Bank LTD
CREDIT MANAGER

ICICI Bank LTD


CREDIT MANAGER

Performing credit underwriter at ICICI BANK LTD. Analyze the risk and credit
worthiness of the customers’ profile, nature of business, standard of living with
moderate to high exposure. Recommended specific terms and conditions assigning
credit limits and risk ratings.

CORECOMPETENCIES

➢ Analyze financial statements and credit history to better understand how much
risk could be involved in extending credit to customers.
➢ Well-rounded experience with managing and approving the credit limit.
➢ Ability to analyze economic trend and make decision.
➢ Sound knowledge of analyzing and evaluating financial information.
➢ Ensure that all credit standards were applied.

Currently handling the following Profiles:(ICICI BANK LTD)

Credit underwriting - Dec’2022 to Till Date

➢ Expertise: Managed Working capital loans from 10MN up to Rs.5 Crores and Super
Biz program up to 7 Crores in the SME sector (Secured).
➢ Eligibility Analysis: Utilized various criteria, including Unicore
Program, Banking surrogate, GST surrogate and Super-Biz program
➢ Customer Engagement: Conducted PD with all segment customers
within a 50 km geo limit in Chennai and Pondicherry.
➢ Collateral Management: Oversaw the LAP collateral verification
process, including vendor coordination and follow-up.
➢ Training: Conducted monthly policy training sessions for sales team, and
external partners.
➢ Portfolio Tracking: AUW(Asset Under Watch) and CPMF(Credit Portfolio
Monitoring Framework) cases should monitor on daily basis and coordinate
With business team to close all pending compliances.

WORK EXPERIENCE PAST LISTEDTHEBELOW:

(HDFC Bank Pvt Ltd)


Credit card underwriting-Dec'17to
Aug’19 Personal Loan underwriting-
Sep'19 to Dec 2022
➢ Pre-Screening KYC and preparing CAM.
➢ Lending the funds based on profile,CIBIL,Liabilities,FOIR and Eligibility as per the policy.
➢ Lending Authority upto 15 Lacs.
➢ Interviewing applicants for Personal Loan and managing the loan process including: due
diligence, underwriting, loan approval and loan closing.
➢ Fraud identity based on profile, cross verify and co-relate between Age/Salary/Work
experience/ CIBIL address and vintage/ PAN issue date and Series.
➢ Analyzing credit report, appraisal and verification with documents and without documents
For existing customers in current organization according to their policy.
➢ Responsible for accurate evaluation if risk, timely accumulation documentation necessary
for approval consideration and follow-up on conditions needed prior to finding to ensure
the loans are closed.
➢ Adhere strictly to compliance and operational risk controls in accordance with company
and regulatory standards, policies and practices.
➢ Underwriting and managed credit proposal from sales team with agreed TATs.
➢ Managed all type of Personal Loan and Credit card requests and made decisions.
➢ Handling all PL and CC related queries.

Achievements:

➢ Received monthly Best Performance Award for several months.


➢ Received SILVERSTARAWARD
➢ Major Reduction of queries and escalations.
➢ Completed certified course from Moody’s Analyst commercial credit

Banking Software Skills:


➢ Domain Knowledge of the Vision plus-Credit Card Management System.
➢ Working Knowledge on Flex cube, Host, Finone, Finware & Intellect BRE(APSYSTEMS)
K2,Banquit,swift,step online payment system, Unicore, I process,

TATA CONSULTANCY LTD (Project of commercial bank of Qatar)-PROCESS


ASSOCIATE2015-2017

Responsibilities:

➢ Authorizing a Fund transfer Outward payments for all currencies.


➢ Routing a swift message(MT103,202,200,199,299,999)for all currencies
➢ Having good Knowledge over Anti Money Laundering regulations.
➢ Ensure all high value payments received for the day has been released properly
➢ Contacting the dealers to fix the value date for high value payments
➢ Adhere to service level agreement and agreed TAT
➢ Presentation and training to new hires on process flow methods/techniqueson
SWIFT and clearing systems. To new joiners to team.
➢ Being a core performer in handling key clients.
➢ Handling queries from other Departments/Regional RM and client banks
➢ Handling return of funds.
➢ Getting back to the client on improper formatting of their payments and collecting
➢ Ensure the required details and executing the same on clients request
➢ Reconciling Nostro Accounts. Within the stipulated time period.

Concern Name: ADFC Private Ltd.(A subsidiary of HDFC Bank)Designation: Jr Officer in


credit card division {Application Fulfill Unit Dept.}. Period : 2012 – 2015.

➢ Credit & Risk Management: Conduct in depth assessment of applicants’


credentials as per the policy.
➢ Operations: Leading efforts to implement credit system in line with Bank’ Credit&
Risk Management.
➢ Verification: Ensure genuinity of verifications, documents & maintain
the delinquency to minimum
➢ CPV Management: Monitoring the functioning of agencies,as per defined Bank's
Policies.
➢ Leadership: Responsible for productivity, quality, Initiatives, Projects and
additional Responsibilities.
Profile and Strengths:
➢ An accomplished professional with expertise in Operations &Process Management
for Credit cards.
➢ Target oriented with ability to take up challenges and perform in changing
work environments
➢ Have good knowledge over complex banking transactions
➢ Ability to deal with people diplomatically.
Education:

➢ Master of Business Administration in HR from MedrasUniversity–2015-2017


➢ Bachelor of commerce from GurunanakCollegevelechery,2009-2012

Personal Details

Father’s Name S.Kuppan


Date of Birth 05-06-1992
Marital Status Married
Languages known Tamil and English

Declaration:

I here by declare that the information furnished above is true to the best of my knowledge.

Date: Signature

Place: (VIGNESH.K)

You might also like