Clint D'Souza Email and Phone Number

• Performed 2nd level accounting controls on key areas defined by the accounting control group plan including manual entries, dormant accounts, intercompany reconciliations, account justification, etc.• Spearheaded automation initiatives for enhanced operational efficiency reducing manhours spent by 30%.• Independently managed control reviews of branch information software in 50% of the allotted time and prepared presentations on the findings for CFO reporting using MS PowerPoint.• Increased satisfactory responses from 50% to 85% by conducting thorough follow-ups to receive responses.• Represented the team in an on-site training in Spain and conclusively led internal trainings on control processes transferred from Spain to India.• Provided timely deliverables and ensured smooth relationships with the onshore team. • Analyzed the process flow of controls to adopt standardization among various software programs (OFS, Atlas 2, Midas).• Prepared in-detailed Sets of Procedures (SOPS) for controls performed to ensure smooth continuity.

• Finalized decisions on approving credit proposals by scrutinizing documents provided and assessing credit worthiness of potential customers applying for unsecured loans. • Exclusively managed a sourcing channel and increased their monthly disbursement from ~CA$3.83m to ~CA$5.00m monthly by providing continuous support and training.• Coordinated with management to evaluate credit strategies and develop improvements.• Conducted analysis of delinquent portfolio to understand trends by utilizing MS Excel.• Collaborated with Sales, Policy, Risk Intelligence Controllers and Collections teams to ensure overall achievements of the bank’s targets.• Monitored external agencies to ensure timely and accurate reports are provided while keeping customer information private and confidential.• Prepared presentations utilizing MS PowerPoint and trained a team of 7 credit managers on latest policy updates.• Mentored new recruits on the processes and credit policies.Achievements:2nd Level Lending Authority (~CA$ 25000) within 15 months of joining HDFC Bank.2 Silver Star Awards for due diligence in catching multiple frauds and maintaining required KRAs.

• Advised customers on correct credit products to meet their financial requirements.• Scrutinized documents and assessed the credit worthiness of potential customers across various products i.e. Housing Loans, Vehicle loans, Gold Loans, Business Loans and Overdraft Facilities.• Prepared loan proposals, conducted inspections and resolved queries raised by Group Head to ensure sanction of respective files.• Worked closely with the legal team to ensure documentation was in order prior to disbursing of loans. • Monitored overall branch portfolio, sent out default letters and followed up with customers for loan recoveries.• Coordinated with RBI, Statutory and Concurrent auditors during annual audits.