Dilip Kumar S Email and Phone Number
As a dedicated and knowledgeable Senior Operations Processing Associate at NTT DATA Services, my journey in the financial services sector has been marked by a strong focus on credit analysis, risk assessment, and underwriting. With a Bachelor of Commerce from the University of Madras, I embarked on this path in 2017, joining Accenture Solutions India as a Credit Underwriting Analyst. Over the years, I have honed my skills in conducting comprehensive credit reviews, detailed financial analysis, and risk rating for a diverse client base.In my current role at NTT DATA Services since December 2020, I have excelled in conducting annual credit reviews, evaluating loan collateral, and assessing borrowers' financial status. My responsibilities extend to leveraging advanced tools like CFW, E-file, and Rockall, ensuring accurate and efficient data processing and analysis. My proficiency in typewriting and the Microsoft Office Suite enhances my ability to deliver precise and comprehensive reports. At Accenture, I contributed significantly to the underwriting process, analyzing financial statements, and formulating risk mitigation strategies. These experiences have equipped me with a robust understanding of financial regulations, risk management, and client service excellence.Recognition for my work has been a source of great pride, including the Star Performance Award at NTT Data and the Star of Business Award at Accenture. These accolades reflect my commitment to excellence, adherence to protocols, and a consistent track record in underwriting and risk assessment. Beyond my professional life, I have a passion for music, evidenced by my two Certificates of Excellence in Music. I believe in the power of combining analytical rigor with creative thinking, which aids in my approach to complex financial challenges. I am always eager to connect with industry peers, share insights, and explore new opportunities in the financial services sector.
Ntt Data
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Operations Processing Senior Associate (Sme)Ntt Data Dec 2020 - PresentChennai, Tamil Nadu, IndiaRole Summary:• Conducting comprehensive annual credit reviews for existing bank customers by meticulously evaluating total exposure• Preparing in-depth summaries of borrowers, including analyses of loans, collateral, financial status, covenant compliance, and repayment assessments• Utilizing Debt Service Coverage Ratio (DSCR) calculations to gauge the financial capabilities of borrowers• Determining risk levels using a risk rating tool to establish each customer's Probability of DefaultDetailed Roles and Responsibilities:• Methodically reviewing customer files and source systems to identify essential information needed for annual reviews and facilitate customer information request emails• Thoroughly examining and analyzing borrowers' financial statements to assess their financial standing and cash flows, resulting in detailed financial analysis reports. These reports include summaries of income statements, balance sheets, and repayment capacities• Rigorously testing covenant compliance as per loan agreements, reporting compliance status to Relationship Managers• Performing internal valuations of pledged securities using income, yield, and sales comparison approaches• Proactively identifying significant risk profile changes, aiding Relationship Managers in comprehensive risk analysis and determination of Probability of Default ratings using specialized risk rating tools• Maintaining and updating the Management Information (MI) tracker to enhance workflow oversight and monitoring• Conducting detailed root cause analyses for QA team on errors reported by the Onshore team, addressing each case individually• Updating error logs and process trackers while leading weekly team meetings for continuous improvementTools Utilized:• CFW, E-file, Service Link, Transaction History, DRT tool, BIPS, Collate, and Rockall
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Credit Underwriting AnalystAccenture Jul 2017 - Nov 2020Chennai, Tamil Nadu, IndiaRole Summary:• Executed commercial underwriting for loan proposals, annual reviews, and new funding requests in compliance with established policies and guidelines, ensuring adherence to Service Level Agreements (SLAs) and effective management of business volumesDetailed Roles and Responsibilities:• Rigorously analyzed past financial statements and tax returns of companies and individuals, providing detailed reports on financial positions, including Balance Sheet, Income Statement, Cash Flow Statement, and Interim Financial Statements• Assigned and articulated risk ratings, both Obligor and Loss Given Default (LGD), with comprehensive reports elucidating the rationale behind these ratings• Formulated and presented recommendations to the onshore underwriting team, influencing decision-making for proceeding with deals• Conducted in-depth analysis of companies' business models, identifying business and industry risks, and devising mitigation strategies in relation to proposed credit exposure• Collaborated closely with portfolio managers and sales teams, ensuring the acquisition of necessary information from prospective borrowers' management to minimize risk exposure• Analyzed Anti-Money Laundering (AML) documentation, including Dun & Bradstreet reports, Equifax Business Credit Reports, and individual Credit Bureau Reports• Prepared detailed Credit Analysis Summaries (CAS) for credit decision-making, encompassing borrower descriptions, industry analysis, financial analysis, risk assessment and mitigation strategies, and tracking of policy exceptions
Dilip Kumar S Education Details
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8.4 Cgpa
Frequently Asked Questions about Dilip Kumar S
What company does Dilip Kumar S work for?
Dilip Kumar S works for Ntt Data
What is Dilip Kumar S's role at the current company?
Dilip Kumar S's current role is "Senior Operations Processing Associate at NTT DATA Services | Expert in Credit Analysis and Risk Assessment | Subject Matter Expert”.
What schools did Dilip Kumar S attend?
Dilip Kumar S attended University Of Madras.
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Dilip Kumar S
Full Stack Developer, Cross Platform Application Development Using Flutter, Angular, Java, Node Js, Spring Boot And WebflowHyderabad
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