Data Analysis Risk Assessment

Curriculum vitae

AMAR SAI SRIKANTH DANDE Mobile: 889-***-****

***************@*****.***

Objective:

To obtain a position of responsibilities that utilizes my skills and experience. Keen to work in an

environment where I can enrich my knowledge.

Profile Summary:

1. Displayed expertise in credit scoring models, loan approvals, and credit data analysis while excelling as a

manager in loan processing.

2. Proficient financial trend analysis, collaborating effectively across teams to drive business performance.

Professional Experience:

HDFC Bank Ltd – September – 2023 to Present

Excel in risk assessment, fraud module implementation, compliance, and process optimization, over 5.2

years of experience in risk management and application development.

1. Making informed decisions on loan approvals based on risk assessment and credit data analysis.

2. Adherence to lending regulations and internal policies through verification of customers documents and

financial information.

3. Collaborating with cross-functional teams to streamline the loan process and adhere to credit policies.

4. Allocation location files, conducting regular analysis to optimize credit evaluation processes and

generating MIS Reports on Portfolio quality, approval rations, Cheques bounces.

5. Process in-depth knowledge of financial analysis, balances sheets, and forecasting models, contributing to

informed business decisioned and enhanced financial performance.

6. Enhanced approval rates by implementing effectives credit scoring models that optimized the evaluation

process.

7. Mitigated potential risks in loan portfolios, resulting in reduction in delinquencies.

8. Streamlined credit evaluation processes, enhancing team productivity and improving TAT.

Previous Professional Experience: -

Axis Bank Ltd - September-2019 to September 2023

Central Credit Underwriter and Collections Deputy Manager – Retail & wholesale banking Lending Micro Finance

Central credit Underwriter and Repayments with 4 years of experience on instrumental implementation of

central processes, credit underwriter and operations. Demonstrated excellence in delivering multiple retail lending

processes and products on time and with and within prescribed policy norms.

Direct Lending:

1. Lead team to handle 800+ branches credit appraisals on time across India.

2. Daily allocation work flow tracking and performed the requires KYC documenting the information

obtained on the clients as requires by global KYC procedures.

3. Maintain the Data, generating the reports and publish MIS to business team from front users.

4. Verify the loan disbursements amount and KYC verification

5. Drafted SOPs for all operation related activates viz., Account opening, disbursement, Collections and

query resolution management as well same has been implemented by the head of the department.

6. Grading and screening the customer profile and documents with respect to policy and norms of the

organization.

7. Conduction credit appraisal for loan files of direct lending products.

BC Partnerships Project:

1. Actively involved in CMC draft assistance, policy review & SOP preparation for BC model business.

2. User interface & architecture is developed for end-to-end Credit underwriting & operation

activates. Automated all operational activates & Document Management module for new BCs.

3. Leading a team for handling existing & new BCs underwriting, operational, Field Monitoring &

Documentation activities.

4. Handling all BCs Payout Data preparation and Invoices payment in coordination with F & A Team.

5. Analyzing Field Monitoring and Risk reports and submitting the reports to Business Teams.

Collections (Repayments):

• Digital banking pay mode operations through BBPS (Bharat bill payment service)- Internet banking, &

Google pay and branch wise collections.

• Latest launch Paynear by repayments new payment mode for field wise entire pan India 800 branches.

• New product for Microsure repayment.

• Credit bureau data submission and resolving branch queries also escalation discrepancy in bureau data

with CICs(Credit Information Company) for data correction.

Karvy Fintech Private Limited - (From Nov 2015 to Sep 2019)

• Designation: Executive Officer

• Client: Reliance Mutual Fund & Reliance Nippon Life Asset Management Ltd.

INVESMENT BANKING (Bank reconciliation, Credit identification, Mutual Fund Banking and financial

Operations.)

Bank Reconciliation – Credit Identification

1. Credit Identification for Online Web, Channel partner, NSE, BSE and Liquid transactions and Credit

Confirmation of High Value reported Cases based on realization on daily basis.

2. Reconciliation of suspicious transactions of purchases.

3. Matching & comparing the transactions from investor level data against line items in the different

bank’s statements.

4. Tracking the excess credits & pending transactions and follow up the same at banker’s end &

branches end.

5. Escalate wrongly processed & updated transactions for smooth running of the process.

6. Excellent work knowledge in Sum functions, count functions, pivot table, V-lookup, H-lookup, Text

functions, concatenate etc.

Redemption Reconciliation: -

1. Receiving the statements and CMS information from net to the concern for reconciliation purpose of all

banks like (ABN,AXIS, CITI, DB,HDFC,HSBC,ICICI,IDBI,KOTAK,ING,SCB,YES) etc.,

2. Leading the banking credit confirmation file from banking department which does the confirmation and

rejection of Credit. For all the ongoing schemes online transactions of the Reliance Mutual Fund.

3. Preparing requiring MIS (Reconciliation) reports to the top management with the help of bank STMT and

funding file. Coordinating with branches & banks for resolving issues.

4. Submitting the Monthly Reconciliation’s (Account Receivables & Account Payables) to AMC & Fund

Accountant.

Achievements:

Recognized and received the certificate of appreciation KARVY IDOL from ED – Head – KARVY FINTECH P

ltd for outstanding performance in entire banking team.

Previous Experience: -

• Company: Likhita Energy System P Ltd.

• Having 2+ years of experience in MIS reports & preparing audit reports for the purpose of clients.

• Designation: Executive

• Period: Oct – 2011 TO June – 2015

Educational Qualification: -

• MBA from JNTU (KAKINADA)2011

• B.sc (Computers) from Sri Harshini College 2009

• Intermediate (MPC) at Chaitanya junior college 2006

• SSC from Sivani Public school 2004

Technical Skills: -

Bank Applications:

Fin-lite, CBS-Finacle & CBS-Fininquiry, Mobitarail, Branch Analytics and Credit Management Tools

viz., Mircrosure, LOS, Finenquiry, Flexcube,

Personal Profile: -

Present Address: Flat no 9-142, Panduranga Nagar, Moti Nagar, Hyderabad, 500018.

Date of Birth: 6th March 1989

Languages Known: English, Hindi & Telugu

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