Sumesh Thachapilly
Mumbai
Summary
Dedicated analyst with over three years of experience in financial risk assessment, credit evaluation, and portfolio management. Proven expertise in analyzing financial data, conducting risk assessments, and recommending credit limits. Adept at developing comprehensive credit reports and collaborating with cross-functional teams to mitigate potential risks. Demonstrated ability to make informed credit decisions while maintaining a strong commitment to accuracy and compliance with industry regulations. Seeking to contribute my analytical skills and industry knowledge to a dynamic financial institution.
Overview
12
12
years of professional experience
Work History
Customer Relations Advisor
Tech Mahindra Business Services
06.2021 - Current
- Represent company in professional manner with good customer service and verbal communication skills.
- Ensure administrative staff is also held accountable to same standards of conduct.
- Provide timely and appropriate performance feedback. Provide administrative support and oversight of administrative staff while directly supporting business initiatives.
- Format and distribute financial reports for management's review of current operation status.
- Made decisions and recommendations about extending lines of credit.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Assessed credit risk and analyzed financial statements.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Conducted industry research to understand economic conditions impacting borrower ability to repay loans.
Business Owner
Vinayak Electric Works
01.2015 - 09.2019
- Put together realistic budgets based upon costs and fees for successfully operating business.
- Consulted with customers to assess needs and propose optimal solutions.
- Assessed damaged materials and notified maintenance personnel of needed repairs.
- Prepared annual budgets with controls to prevent overages.
- Introduced new methods, practices, and systems to reduce turnaround time.
- Prepared bank deposits and handled business sales, returns, and transaction reports.
- Conducted audit inspections and independent checks to verify parts and materials.
- Adhered to regulatory and policy changes and made necessary adjustments to maintain overall success.
- Supervised creation of exciting merchandise displays to catch attention of store customers.
- Launched staff engagement, gender diversity and cultural programs in addition to robust reporting tool that increased operational quality.
- Interacted well with customers to build connections and nurture relationships.
Mortgage Analyst
Tata Consultancy Services
01.2014 - 01.2015
- Familiar with FHA guidelines and Foreclosure procedures.
- Performed physical review of new file submission for completeness and accuracy.
- Review preliminary files to help render a decision based on Fannie Mae, Freddie Mac, FHA and VA guidelines.
- Analyzed the information provided by the borrower such as income, assets and credit worthiness.
- Verifies loans adhered to all federal and state compliance guidelines relative to retail mortgage lending.
- Supervise document review process to verify all documentation is complete and matches the organization standards for account review.
Senior Customer Service Representative
Stream Global Services
01.2013 - 01.2014
- Informed customers of product, price and policy changes to educate on issues and resolve concerns.
- Watched flagged customer accounts to monitor ongoing issues and deploy newfound solutions for outstanding concerns.
- Engaged clients in person and over phone to answer questions and address complaints.
- Evaluated customer information to explore issues, develop potential solutions and maintain high-quality service.
- Meet and exceed monthly performance objectives including call quality, attendance, punctuality, adherence and call handle time.
- Work under deadlines in a fast-paced environment, while still maintaining precision and accuracy (99% accuracy rate).
Customer Service Representative
Firstsource Solutions
12.2011 - 12.2012
- Provide accurate product information and serving as a knowledgeable resource to customer.
- Achieved 90%-100% scores for first-call resolutions, surpassing 80% quality target.
- Promoted additional TWC & Sky services and equipment.
- Build and maintain business relationships with customers and Account Managers.
- Maintain financial accounts by processing customer adjustments.
- Restored cable television to customers with technical issues by assisting in step by step.
- Increase the customer experience by providing information on new rate plans and services through upselling opportunities.
Education
Bachelor of Science - Hotel Management
Anjuman-I-Islam's College Of Hospitality
Mumbai07.2011
Skills
1 **Financial Analysis:** Proficient in conducting comprehensive financial analyses to evaluate creditworthiness and assess risk
2 **Credit Risk Assessment:** Skilled in assessing credit risk through thorough examination of financial statements, credit reports, and industry trends
3 **Portfolio Management:** Experienced in managing and monitoring credit portfolios to ensure compliance with established risk parameters
4 **Industry Knowledge:** Possess a deep understanding of various industries, enabling accurate risk assessment and tailored credit solutions
5 **Regulatory Compliance:** Adept at staying current with financial regulations and ensuring all credit-related activities adhere to compliance standards
6 **Communication Skills:** Strong ability to communicate complex financial information effectively, both in written reports and verbally to diverse stakeholders
Timeline
Customer Relations Advisor
Tech Mahindra Business Services
06.2021 - Current
Business Owner
Vinayak Electric Works
01.2015 - 09.2019
Mortgage Analyst
Tata Consultancy Services
01.2014 - 01.2015
Senior Customer Service Representative
Stream Global Services
01.2013 - 01.2014
Customer Service Representative
Firstsource Solutions
12.2011 - 12.2012
Bachelor of Science - Hotel Management
Anjuman-I-Islam's College Of Hospitality
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