Saurabh Rawool Email & Phone Number

Mumbai, Maharashtra, India

Implemented continuous improvement initiatives within the vendor management function, driving operational excellence throughout the organization. Managing digital vendor empanelment, agreement renewal and vendor discontinuation process. Managing ID card management system to ensure bank ID cards to vendor staff. Created reports, presentations and other materials for executive staff. Maintaining manpower and penalty data of the vendor staff. Creating reports such as Vendor Rates analysis, Vendor CPV allocation analysis for effective utilization of vendors and cost benefits. Reduced costs by identifying opportunities for consolidation of services and strategic partnerships with key suppliers.

Processing applications of HNI customers for the premium HDFC bank Cards i.e. Metal Infinia Card and Diners black for West region. Investigated and evaluated customers for creditworthiness and potential risk factors. Analyzed financial statements, credit reports and customer profiles to assess creditworthiness and set credit limits for new and existing customers. Analyzing Fixed obligation to income ratio of the customer for calculation of Credit limit. Improved credit risk management byimplementing effective underwriting policies and procedures. Liaising with Sales and other stakeholders for queries and application requirements.

Thane, Maharashtra, India

Processing Credit Card applications sourced through digital journeys of Pan India customers. Majority applications are sourced through NTB DIY Journey with Bureau, Income or C2C program. Verifying details of Income and Card to Card documents provided and cross check with Perfios response. Analyzing credit capacity, eligibility of a customer and finalize applications by considering application score, CIBIL score & fraud score. FOIR calculation considering the liabilities in CIBIL. Participated actively on below projects and UAT testing. End to end testing of Credit Card applications flow on SFDC. Setting Verification of credit card application, Vendor empanelment, Testing of Verification APK designed by bank. ETB PQ program, UAT testing of Credit Card sourcing and UW flow. NTB DIY program, UAT testing of Credit Card sourcing and UW flow. Testing of Perfios integration for Income and C2C program. Testing of IDV and Karza Integration. Testing of system validations and automation of policy rules in FICO. Actively handle UAT testing of FI Curing process. Testing of Reject Relook process.

Thane, Maharashtra, India

Credit Officer - Deputy Manager1. Underwriting:•Responsible for processing Credit Card applications of Pan India HNI clients underthe niche and premium “Affluent Category”•Verifying details with KYC documents and income documents which areprovided with applications, also supporting documents like utility bills etc.•Analysing credit capacity, eligibility of customer and finalize credit limitby considering application score, CIBIL score & fraud score.•Analyze all aspects of an applicant to determine credit worthiness andability to pay under the terms and conditions set forth in the creditapproval process so as to minimize default risk and maximize the bank’sprofitability.•FOIR calculation considering the liabilities in CIBIL.2. Adhoc:•Effectively communicate with other departments involved in cardsprocessing to ensure approval process within TAT•Taking conference call with the sales and field force to increase overallapproval rate•Responsible for overseeing the day-to-day operations of the team andensuring proper distribution of work load.•Assist in developing new strategies to improve customer experience andmanaging risk in processes.3. Projects (UAT):I have also been a part of Project Testing from credit end and participatedin some below major projects.a. Flipkart Credit Card.b. Freecharge Credit Card.c. Google Pay Ace Credit Card.d. Bajaj Partner Journey.e. WebIPA Journey.F. Prime4.G. Burgundy Private Credit CardAlso I have been taken care of testing system changes and validation asper policy and compliance. Our core systems are Omniflow (NewGen) andFinnone.•Testing of system validations and checks from credit point of view.•To initiate new credit requirements to IT or Project team for systemautomation of certain credit checks and validations.•To ensure the smooth function of applications in system, if in any issueliaise with IT team to get this issue solve.

Master Of Business Administration - Mba, Finance, A

Ssc