➲ Currently streamlining unsecured CAD (Business loan Underwriting – Credit Approval Discretion) in small business Banking. Served as the Subject Matters expert to resolve complex customer issues for staffs. ➲ Leading the team & monitoring all credit submission outside the credit assessors CAD in making the commercial decision ➲ Providing strategic leadership and mentoring credit assessors to improve quality of credit decisions, identifying gaps in the credit assessments and decision process.

➲ Shoulder the responsibility of organizing workshop regarding complex commercial credit application with the frontline bankers and Area Managers.➲ Leverage broad competencies in providing the highest level of credit Discretion (“CAD”) in offshore Retail and Commercial Area including all types of business credit assessment applications for the Business Banking, Small Business Banking and Regional and Rural segments.

➲ Duties involved ensuring all the audit trails as required by the function are verified and stored appropriately. ➲ Fully accountable for managing the records of resolution, escalated issues to the concerned department within established timeframes for the queries for future use.

➲ Responsible for forecasting, planning, variances analysis completed on weekly, monthly and quarterly basis for capacity management using ATOM. ➲ Effectively collaborating with the key stakeholders to constantly strive towards improving the business and operations.

➲ Abreast with the latest process updates/changes and training the team members regarding these updates. ➲ Regularly reviewing the process effectiveness, implementing improved processes and keeping process documentation up to date thereby improving process efficiency.

Key AchievementsRecognized for time & work management. Known for displaying great ownership & dedication towards the process. Successfully achieved the highest ever production numbers both in India and US team with the highest quality scores of 99.93% along with the highest numbers being resolved in a day. Credited for truly displaying Fidelity value of Customer Focus & Team Work. Acknowledged as a team player & always ready to accept responsibilities and initiatives.Received 'SPOT AWARD’ for being proactive in learning & mastering the process in a very short span. Won ‘YOU’VE EARNED IT AWARD’ for commitment & installing positive energy in the team along with phenomenal productivity & accuracy numbers. Won 'ZERO DEFECT SILVER AWARD' for 6 times for being a pioneer in the process in terms of overall quality, Productivity & Speed of execution and 'ZERO DEFECT GOLD AWARD for 2 times’ for consistently winning silver for 3 months in a row➲ Served as the Point of Contact for on-shore counterparts.➲ Instrumental as the Subject matter Expert for the segment CORE.➲ Provided process training for the new joiners. ➲ Worked closely with the withdrawals team for the 401K retirement plan (USA), processing PF payout transactions for the participants from their 401K accounts (PF accounts). ➲ Actively engaged in processing transactions that include share accounted or real-time stock.➲ Accountable for approving loans & withdrawals based on the provided documentation by the participants which involves judgemental decision before approvals or declining request.➲ Responsible for performing quality checks and researching the team errors and preparing error analysis report. ➲ Actively interacted with the client support team & identified trends & needs of the clients to deliver beyond expectations.