Devishree Pramil Kumar Email & Phone Number

Chennai, Tn, In

Chennai, Tamil Nadu, India

Thiruvananthapuram, Kerala, India

✅ Executed comprehensive underwriting for retail assets by meticulously analyzing credit, income, asset, and collateral documentation to meet stringent program and investor criteria, adeptly managing files up to ₹50 Lakhs.✅ Skillfully underwrote a broad spectrum of applicant profiles, maintaining an in-depth knowledge of current banking and regulatory guidelines and cultivating a profound understanding of compliance requirements.✅ Spearheaded enhancements within the loan process, actively engaging in department-wide initiatives to ensure precision and the timely submission of loan approval conditions.✅ Oversaw the meticulous collection and verification of documentation, ensuring completeness, compliance, and accurate signing and dating for final loan approval and closing procedures.✅ Provided expert counsel to clients on tailored insurance coverage, rigorously verifying all necessary financial documentation, including income and employment, to ensure compliance with required ratios and loan-to-value metrics.✅ Directed the loan closing process by meticulously verifying invoices, fees, and title conditions, ensuring clients were fully informed and managed documentation securely, and confirming funding approval in strict accordance with lender and governmental regulations.

Process-Credit Card Back Office

✅ Directed back-office credit card maintenance operations, leveraging in-depth experience with the Quality Centre Tool for test management and defect resolution to ensure streamlined and accurate processes.✅ Swiftly assimilated and executed new requirements, demonstrating versatility and proficiency as both a leader and a collaborative team member, as well as an independent contributor, to consistently drive high productivity and achieve operational excellence.

Process-Collections/Back Office

✅ Leveraged superior communication, leadership, and presentation skills to strategically manage and oversee operations within the Card Operations domain, ensuring consistent achievement of productivity targets over a six-year tenure.✅ Proactively mastered and implemented new concepts, exhibiting adaptability and expertise by seamlessly transitioning between roles as a team leader, collaborative team member, and independent contributor to consistently exceed operational goals.

✅ Executed functional testing of core banking systems using the Quality Centre Tool, ensuring system integrity and performance.✅ Crafted and maintained Requirement Traceability Matrices to meticulously validate and verify that all system requirements were thoroughly tested.✅ Oversaw defect tracking and resolution, playing a pivotal role in the successful deployment and enhancement of multiple banking processes.✅ Actively engaged in huddle calls with business units to elicit requirements and ensure strategic alignment with project goals and deliverables.

Bachelor'S Degree, English Language And Literature, General

B.A. English Literature

Bachelor Of Arts, English Literature