Sebastiao Fernandes

• Assesses unsecured personal loan applications based on CIBIL reports, income ratios, and document verification.
• Makes informed judgmental lending decisions minimizing credit risk.

• Led a 34-member credit team across 12 locations.
• Oversaw underwriting, case approvals, and agency coordination.
• Streamlined workflows for improved turnaround times.

• Handled credit approvals with authority up to 5 lakhs.
• Managed a team of 9 and improved approval rate monitoring.

• Responsible for handling banking vendor channel from logging stage until disbursement.
• Coordinated with sales managers from both branch banking and open market sales sourcing personal loan application in credit decision-making.
• Job profile included mitigating risk on customer’s profile, making judgmental decision on credit worthiness and underwriting credit limit.

• Job profile involved mitigating risk on customer’s profile, making judgmental decision on credit worthiness and underwriting credit limit.
• Conducted accusation analysis, checking complete credit bureau history, field investigation reports, value of asset, if any secured loans with the bank, repayment track performance, evaluate the value of current, saving or fixed deposits with Kotak Mahindra bank.
• Handled policies team since April 2016 as Audit credit manager, responsibilities involved complete check on credit underwriting process and policies as per bank and RBI guidelines for pan India credit cards.
• Credit checks on lending for Personal loans against credit cards, Monthly audit reports for underwriter feedback and performance, Monitoring cards portfolio for delinquency in all products and policies.

October 2007 – February 2013 -> Credit Analyst (Lending Operations) J

une 2006 – October 2007 -> Financial Service Advisor – Outsell

• New Account Lending & Credit Verification of applicants using credit bureau reports and various tools and systems of the bank.
• Portfolio Risk Review on customer’s credit performance, thus mitigating risk in advance to curb the losses to the bank
• Verification of Business cards and Consumer cards application details. Implemented training course for new recruits — speeding profitability.
• Job profile included advising and assisting account holders about credit card debt and balance transfers. • Informing customers about remedies for the prevention of credit card fraudulent activity and identity theft.
• Assisted in the coaching of new entrants of the team and helped them adjust to the norms of the team, process and organization

• Provided excellent customer service to customer in United Kingdom and Australia, with a focus to understand customer viewpoint, handling sales, negotiation and closures, booking orders and providing status on orders, billing and payments.

• Responsibilities included providing solutions for communication related requirements through presentations both PowerPoint and multimedia, corporate identity programs, design of brochures, offset and short run print, industrial and product photography
• Handled MNC and large conglomerates clientele such as Hindustan Lever, Standard Chartered Bank, TATA Group of Companies, P & O NedLloyd, Pfizer, and Morgan Stanley etc.
• Co-ordinate with top advertising agencies – JWT, Lowe Lintas, Ogilvy & Mather, Bates etc. for servicing the company clients.