Manager Customer Service

Ram Mohan Vutukuru

Credit Manager

Brampton, ON

Mobile # 647-***-****

Educations

. Bachelor Degree in Commerce

. Passed CA Inter Group I

. Successfully completed "Personal Lending & Mortgages" course with

Canadian Securities Institute (CSI) vide ID#832115

Work Experience

Customer Service Representative

Advance Accountax Services - Mississauga, ON

Oct 2013 to till date

. Provide basic office management in terms of coordinating for various

activities

. Ensure that appropriate steps were taken to resolve customer's problems

Business Analyst

Hitachi Consulting Software Services

Sept-2010 to Sept 2013

. Worked for Bank of America Project ( Client of Hitachi Consulting) at

Dallas, US for Business Analysis and documentation on in house credit

applications for Mortgages

. Worked with Standard Chartered Bank - APAC region (Client of Hitachi

Consulting) and developed a product which will address the pain areas in

integrating AP,AR & CM modules of the Corporate ERP Systems with the back

end systems of bank for Straight Through Process (STP)

. Strong knowledge and understanding of credit link applications like

Jaguar, Loan Origination Systems(LOS)

Area Manager - Credit Underwriting & Operations - Mortgages / Small

Business Credit & Personal Credit

Bajaj Finance Limited

June 2008 to March 2010

Responsibilities

. Responsible for Credit Underwriting of Retail loans(Small Business

Finance & Personal Credit) and mortgage applications (residential)

generated from branches, call centers and Internet

. Negotiate, approve, recommend, and decline, within established guidelines

and authorized lending limits, residential mortgage applications to be

secured by new or existing real estate

. Ensure that all the fraudulent applications are identified and taken care

with appropriate policy

. Excellent knowledge of reading credit reports provided by bureaus

. Determined the maximum credit worthiness of a customer based on

established criteria such as credit history, job stability,

affordability, etc.

. Recommended alternative credit proposals and communicated with branch

sales staff in a respectful manner to maximize sales opportunities

. Effectively exhibited verbal, written communication skills &Strong

interpersonal and negotiation skills

. Expertise knowledge in Credit Risk Management and ensure all risk,

regulatory and compliance requirements are being met within the unit

. Excellent exposure to financial statement analysis of small and medium

size business

. My responsibilities also include coordinating and prepare monthly

collection performance and forecast reports as required Analyze accounts

receivable aging and bad debt analysis

. Assist internal auditors by providing data regarding past due receivables

. Investigate discrepancies on accounts and detail proposed actions to

manage credit exposure

. Make routine calls to delinquent customers to ensure payment commitment

of outstanding balances

. Exceeded 'turnaround time' as stated in service standards without

compromising the quality

Achievements:

Achieved "Great Performer Award" from CEO - Bajaj Finance

Business Analyst- Banking & Financial Services

Satyam Computer Services Limited

June 2006 to June 2008

. Worked as Business Analyst for Citi Bank, US for Mortgages, Student Loan,

Credit Cards lines of business

Credit Acceptance Officer - Personal / Small & Medium Business Loans

American Express Bank

August 2003 to September 2005

. As a credit underwriter responsible for approving / rejecting /

escalating of all the loan applications of Credit Cards, Personal Finance

as well as Small & Medium Enterprise Loans

. Possess expertise knowledge on understanding credit reports provided by

Transunion & Equifax

. Successful in working under tremendous pressure but still meet the SLA's

laid down and contribute to operational improvements to streamline

procedures/process and enhance service

. My responsibilities also include coordinating and prepare monthly

collection performance and forecast reports as required

. Understand and apply bank/service centre operating policies and

procedures

. Expertise knowledge in financial statement evaluation and analysis

. Make routine calls to delinquent customers to ensure payment commitment

of outstanding balances

Achievements:

Received Extra Effort Award from CEO- India - American Express

Credit Officer - Mortgages / Personal Credit / Car Loans

ABM AMRO Bank N.V

Sept 2001 to August 2003

. Joined the Bank as contract employee with the Credit Underwriting

division and elevated as permanent employee with approval authority

limits within a span of 6 months

. Worked in CCO adjudication platforms

. Approved loan applications of Personal Finance, Mortgages, Car Loans &

Loans Against Shares

. Update SLA status to management team (Group Manager and Unit Leader) with

regards to escalation of concerns regarding queue management.

. Work in partnership with management team to ensure queues are moving

appropriately as per the process

. Maintain strong relationships with internal/external partners and peers

as necessary, as

. Preparation of weekly scheduling of business unit for distribution and

completion of all credit applications within the required SLA

. Escalate with recommendation those credit applications that exceed

discretionary limits and established guidelines

. Comply with ethics and codes of conduct laid down the employer

organizations

Skills

. Advance knowledge of MS Office (Word, Excel, Outlook)

. Banking Tools: JAGUAR, LOS, FINACLE, FINONE, I WEALTH VIEW

. Self-motivated, goal oriented, leader, professional in Finance, Credit,

Collection management

. Excellent written/oral communication skills

Additional Information

Attended training courses related to Finance, Credit, Collection,

Leadership, Management, Accounting, Complexity and Decision Making

Contact this candidate