Qualification Highlights :
At ease and productive in high stress and fast paced environment requiring skills in problem solving.
Proven ability to work efficiently in teamwork environment to plan, manage and organize.
Quick learner with an ability to rapidly achieve organizational integration, assimilate job requirements and employ new methodologies.Career Objective :
Looking for a challenging position, enabling me to use my potentials and qualifications progressively to do justice, respecting the confidence that would be conferred on me.Educational Qualification :
Bachelor of Science in Information TechnologyUniversity : University of Mumbai.Year of Passing : March2004.Institute : RD National College, Bandra (W).Class : I Class (60.32%)
Higher Secondary Certificate (HSC)University : University of Mumbai.Year of Passing : February2001.Institute : MVLU Jr. College, Andheri (W).Class : I Class. (74.%)
Secondary School Certificate (SSC)University : University of Mumbai.Year of Passing : March1998.Institute : Our Lady Of Remedy High School, Kandivli(W).Class : I Class. (78.93%)Organization and Job Profile :JPMorganChase :From 27th Jan 2006 – till date :Designation : Senior Credit Review Underwriting and Portfolio Risk Review Analyst—Credit Cards
Lending Operations as a process in Chase Card Services deals with the new credit card applications, identifying the risk of granting credit to prospective applicants.
There is an analysis carried out in understanding their credit bureau reports and forming a judgmental decision to award an applicant credit or not.
The applications which are produced online on the system is studied which includes the demographics of the applicant, the type of card or product required, credit rating and the credit bureau that includes the number of trades that the applicant has handled and how they have been handled and the total debt that the person is revolving on. All these factors and aspects are taken into consideration while approving and declining a person credit as well as the amount of line to be assigned to the new account.
Apart from acquisition we are also required to review existing portfolio accounts, which go into 306090 bucket collections/settlements/cases relating to bankruptcy, etc. to prevent and mitigate risk and chargeoffs by closing the account or decreasing the credit lines. This again involves the review of credit bureaus and the performance of the existing relationship accounts for exposure to any risk.Other aspects that are included are :
Fraud verification for U.S. Sponsored links :
Applicants applying for Chase credit card
Attending International calls for training and learning motive and sharing the same information across other teams to improve lending consistency across the floor.
Conducting wellness checks and ensuring proper working and functioning of the systems.3 Global Services :From 23rd Sept – 18th Dec 2005 :Designation : Billing Advisor
A leading telecom company having its operations mainly in UK and Australia.Responsibilities included :
To resolve the queries and difficulties faced by the customers on their 3rd generation mobile handsets and services that include mobiletomobile video conferencing.
Stay updated with the latest upcomings and services provided by the organization to its customers on a daily basis.Countrywide India Services :From 21st March 2005 – 10th June 2005 :Designation : Collections Advisor
A mortgage company in the US, which deals in origination and servicing of the mortgage loans.Responsibilities included :
To make calls to borrowers regarding the payment of their monthly installments
Realizing and identifying potential delinquent customers and provide debt counseling.Ocwen Financial Solutions :From 28th June 2004 – 18th March 2005 :Designation : Customer Service Rep
Ocwen Federal Bank, headquartered in Orlando, Florida in the US is mainly into buying off loans and servicing them for other lending institutions.Responsibilities included :
To retrieve information on the renewal of insurance policies for any concerned property on which Ocwen is the primary lean holder.
Contact insurance companies, agents as well as the borrowers for the same.
Attend calls from borrowers and providing them service regarding their monthly payments and escrow accounts with Ocwen.Other Educational Qualifications :
Have procured certifications in C++, C#, Linux, OOP from NIIT, Borivali.
Have an experience of working on HTML, Dhtml, Java, C, ASP, shell scripts, etc.
Have successfully completed a post graduation course in Forex & Risk Management from World Trade Institute, Cuffe Parade, Mumbai.
Currently pursuing a parttime MBA in Finance from Welingkar Institute of Management.Personal Details :Hobbies : Sketching, painting, listening to music, surfing the netLanguages known : English, Hindi, Marathi.Date :Place :
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