Salman Khan Email & Phone Number

Bengaluru, Ka, In

Bengaluru, Karnataka, India

Risk management is a critical aspect of the lending process, requiring a careful balance between growth objectives and the company's risk appetite.-Responsible for underwriting business loans for U.S direct FinTech lender in alignment with company policies and risk appetite, ensuring a strategic balance between risk tolerance, growth, and profitability goals.-Conducted in-depth analysis of complex data to evaluate credit risk, creditworthiness, structure appropriate loan terms, and ensure compliance with relevant regulations and credit policies, effectively reducing potential loss and delinquency. -Reviewed financial documentation, and assessed business performance to mitigate risk and deter fraudulent activities. Leveraged expertise and sound judgment while maintaining meticulous attention to detail.-Successfully processed over 250 funding applications, consistently surpassing monthly performance targets.Key Achievements:**Awarded "Top Performer for 2024" and "Impact player of 2024" in the first year of tenure at StarTek.**Passed all the underwriting certification levels at first attempt and within 5 months, the best in team with 100% success rate.**Top performer of the month on multiple occasions and a record holder for highest application worked in a month.**Go to Subject Matter Expert for the team, Shadowing and training for new & tenured underwriters.

Bengaluru, Karnataka, India

-Developed monitoring forms and conducted quality assessments for voice and non-voice customer interactions.-Managed quality data to monitor performance and provide coaching and feedback. Audited manual and automated order entries for accuracy in Oracle ERP. -Escalation Root Case Analysis(RCA), developed SOP and Process Flows and Voice Of Customer.-Led Joint Call Monitoring (JCM) and calibration programs for customer insights and identify process gap. Maintained consistency in quality-related documents. Audit on Audit for external teams located in Chennai (AR), Manila and Mumbai (CS).

Bangalore Urban, Karnataka, India

Oversaw quality of underwriting for unsecured personal loans, ensuring accurate risk assessment and disbursement.Verified the accuracy of information entered in the management system. Analyzed Payslips, Bank Statements, and CIBIL Report for credit to evaluate creditworthiness and prevent fraud. Evaluated Customer KYC from the documents submitted. Investigated past performance history and Dept To Income (DTI) analysis on the Customers. Stayed updated on policies and regulations for risk prevention and compliance.Feedback and coaching to the underwriters on areas of improvement.

Bachelor Of Commerce, Accounting And Finance, First

Activities and Societies: Project Work: "A Comprehensive Comparative Study of E-Commerce Giants in India - Amazon vs. Flipkart," includes.

Intermediate, Statistics, Economics, Business & Accountancy, 83%

Activities and Societies: *Awarded as one of the top scorer at college level in 12th examination. *Represented Hindi Club

Diploma In Electronics And Communication, Electronics And Communication

Diploma in Electronics and Communication, 2013 - 2014 (Discontinued)

High School, First Class

Completed Primary and High Schooling at Sophia High School, Bangalore