Hrushikesh Rout

Assistant Manager @Tata Consultancy Services

Bengaluru, IN

Reconciliations in between the systems (ratings, Limits and other static data) Quarterly review of Standard Operating Procedures as per the regulatory requirement. Facilitate and promote the understanding of Regulatory and compliance requirements. Portfolio Analysis Overdraft Analysis & Utilization, Trend Analysis, Forecasting Risk Analysis like High Risk Worsened & Medium Risk Worsened Preparing reports about the degree of risk in lending money to clients Analyzing client records and using the data to recommend payment plans Conferring with credit associations and references to exchange credit information on clients Evaluating the financial status of clients by producing financial ratios through programs Conferring and verify their financial/credit transactions and to resolve their complaints Develop complex programming models to extract and manipulate databases to provide statistical and financial modeling. Perform complex credit risk analysis and/or modeling to maximize profits and asset growth. Evaluate customer records and recommend payment plans based on earnings, savings data, payment history and purchasing activity. Complete Limit applications including credit analysis, and summaries of loan requests and submit to Manager for approval. To develop scoring models, update application and behavior scoring models based on actual experience and the latest advances in risk management technology Recommend adjustments to the underwriting or collection policy or process in order to provide a better balance of risk and rewards whilst also monitor adherence to the consumer lending policy including exceptions to policy/procedure or risk tolerance. Production trend analysis of customer’s Review of customers account and customers financial trend analysis Strike of and dissolve analysis of Limited companies

Government High School, Orissa, Ambaguda, India

HSC

Centurian University

PGDM

V. D College, Jeypore

Bachelor of Commerce - BCom

D A V College, Koraput

Bachelor of Commerce - BCom