AMITH RUDOLF D'SOUZA
Scaling new heights of success with hard work & dedication and leaving a mark of excellence on each step; proficiency in conceptualizing & implementing effective ideas, solutions & strategies which adds value to organization through inspiring leadership, rich experience & innovation excellence
-
https://www.linkedin.com/in/rudolf-d -
Core Competencies
Technical Skills
Banking Systems Knowledge E.g.: T24, Finacle, Flex cube, PRIME, FCC, CRM & Debt Manager
Training & Courses
Attended the training of Compliance and Fraud in Barclays, UAE, 2010
IATA- UFTAA Foundation and EBT course (Distinction) Montreal, Canada, 2007
Course in Financial Accounting Package i.e. Tally 5.4 from MICE, India
Profile Summary
An accomplished professional with over 10 years of rich and extensive multi- cultural experience across the entire gamut of Banking operations.; Currently leading the Credit Administration
Collaborated with the other departments to integrate collection activities with business system and processes such as customer sales, record management, accounting and KYC
Showcased excellance in ensuring achievement of cost, productivity, accuracy or timeliness objectives
Delivered competitive advantage by enhancing operational effectiveness of the business and maximizing profits
Distinguished capabilities of ensuring delivery of high-quality services to support client’s business needs & achieve continued high client satisfaction
KYC Specialist with excellence in gathering and understanding requirements of clients & other stakeholders (at strategic and tactical levels), followed by translation into functional specifications as well as provisioning of suitable solutions
Interfacee with stakeholders, suggested viable product & solutions, cultivated relations with them for securing repeat business and ensured quality delivery of products to the clients
Capable of championing organization values & vision, overcoming complex business risk & challenges, making high-stake decisions in coordination with top management and delivering on mission-critical targets
Experience in developing business development procedures, service standards, operational policies and guidelines
People Leader, who has successfully led and motivated teams in cross-cultural environment towards growth and success in the organization; created a clear & compelling view of future through coaching and execution
A strategist with recognized proficiency in spearheading business to accomplish corporate plans and goals successfully
Career Timeline (Recent 4)
Personal Details
Date of Birth: 27th July 1979
Languages Known: English, Hindi, Kannada, Punjabi, Urdu
UAE Driving License
Address: Bangalore
Education
Post-Graduation diploma in Business Administration, Specialized in Human Resource Management, Bangalore University, India, 2007
Bachelor of Commerce (B.Com.), Mangalore University, India, 2004
Work Experience
Oct 2018- APR 2024: FIRST ABUDHABI Bank Global Business (AUH UAE, Bangalore India)
Senior Credit Officer (CAD)
Key Result Areas:
Worked for Credit administration providing instructions for Retal loan maintenance activities, so the same is processed at operations end
Monitoring portfolio’s transactions, pre and post disbursement documents tracking, monitoring of accounts for banking products
Ensuring adherence to product credit templates and compliance with credit procedures manual Conducting analysis of portfolio, efficiency and trigger monitoring & clarifying credit manuals and deals
Building and maintaining healthy business relations, ensuring maximum customer satisfaction
Making prospective clients list and setting a timetable to visit them in-order to establish new credit relationship after preparing the required credit and financial analysis as per the bank polices
Preparing Liability letters and Clearance letters based on request received through CRM on daily basis, if any changes required in the letter format compliance and legal approval is sought.
Overseeing the loan processing and Maintenance of different activities pertaining to Loan using the T24 systems
Processing Loan Facility applications within Turnaround Time accurately, efficiently and to facilitate Credit decision as per Retail credit policy
Ensuring approval conditions are met before further movement of the application
Instructed hold/release on customer accounts as per requirements
Managing Disbursal of high monetary amounts on a daily basis
Issuing Demand drafts based on approval from CAD for buyout loans disbursed
Ensuring a smooth process flow from initial receipt of application till disbursal
Maintaining MIS for daily loans disbursed and reporting to higher management on monthly basis
Acting as a SPOC for internal credit card settlements
Mar 2015- June 2018: RAK BANK Head Quarter (Dubai, UAE)
Central Operations Representative (SME)
Highlights:
Executed all credit corporate operations tasks, ensuring all activities are completed within timescales and with a high degree of accuracy while adhering to Bank policy and process
Drafted facility letter for SME customers according to the letter input required and based on credit approval
Steered Preparation of excel report on cheque returns and coordinating with the payments department on daily basis on total returns
Kept a track of all SME client requests on daily basis and maintain the master tracker for the complete data which is reviewed by business and management as when required.
Prepared MIS reports, Charts on monthly basis that provides managers with tools to organize, evaluate and efficiently manage the department
Assisted in archiving all appropriate files and documents manually or electronically as instructed, so that they can be located at later date
Documented business request/follow-ups and process the requests on required date
Ensured the daily productivity of the team is uploaded in the system.
Escalated promptly if any irregularities/incident that may lead to risk or financial loss
Worked and liaised with the audit team, and banking staffs of the firm as necessary to provide high quality client service
Felicitated with the ‘Best employee of the month’ during this tenure for having error free operation control
Sep 2013– May 2014: Seven Seas Ship chandlers, (Dubai, UAE)
Communications Supervisor (Supply Chain)
Handling day to day shipping and transportation operations which includes coordinating with freight forwarders and handling shipping related queries from customers.
Keeping track of detailed outbound shipments and validating shipping invoices and liaising with accounts payable when required.
Ensure all emails and faxes related to Supply quotations and orders are distributed to the relevant teams without delay and see that there is no skip of orders and en quires.
If any complaints received or negative feedback from captain of ship, ensure same is highlighted to Quality team and operations manager.
Attending the queries through mail or calls from Ship captains, clients and ensures the requirements are fulfilled by us.
Co-ordination with the branch port offices for smooth handling of deliveries on daily basis
Keep track of ETA’s and ETD’s and inform our port offices on regular basis.
Keep track of web portals like Shipserv, SIS commerce for queries and orders on regular basis, so as to enable timely coordination for smooth quotation and deliveries
Daily ship loading details are forwarded to respective ports for smooth clearance.
Ensure round the clock assistance is provided to the clients by the communication team
As a supervisor had the responsibility to report all the team reports and activities to Human resource head on monthly basis.
July 2008 – Sep 2013: Barclay’s Bank PLC (Dubai, UAE)
Operations Executive
Highlights:
Performed detailed KYC, Watchlist, High Risk nationality, Black list and Sanctioned country checks
Verified proper bifurcation of the Authorized signatories & representatives in Company and Retail accounts in accordance with supporting documents like Memorandum of Association, Board of Resolution, Court Orders/Legal notices and Trade License
Ensured collected Funds are accounted and every transaction are recorded
Verified the Financial reports and records are reliable and accurate and also ensure all Receipts and Vouchers entered
Provided support to MIS team by preparing daily reports related to paid-up cases for credit cards and personal loans and reports
Completed all roles and tasks required by your line manager, ensuring all operational priorities
Ensure that any customers experiencing financial difficulties receive help, advice and guidance appropriate to their own needs
Managed daily settlement activities of credit cards by closing the credit cards of customers and performing necessary checks based on the requests sent by the collections team once the approval from the bank management is received for the settlement Provided quicker service of closing these activities that helped me to get the best customer service award from the banks
Responsible for handling customer credit card and loan insurance applications Communicated with customers regarding necessary changes to be made in their applications Screened the applications and performed necessary calculations in the claim forms and sent it to the insurance client Gained a ‘Satisfactory’ grade from Direct Supervisor
Work and liaise with the audit team, and banking staffs of the firm as necessary to provide high quality client service
Seamlessly maintained the fidelity insurance in the employee list and ensured up to date and deletions Coordinated with the insurance company
Actively participated in reconciliation of GL and operations reversal files Provided this data to the business for keeping track of reversal activities
Monitored stocks and stationery levels and requisitioned for additional supplies as required
Worked extensively with HR Department to provide assistance in HR related work that included taking care of department infrastructure and premises and applying for ID cards of the employees and updating employee contact details on regular basis
Ensured all the issues related to the Leave, Termination, End of Service Benefits, Exit Interviews, Bank Accounts, Air Ticket, Salary Advance, Transfer and Arrangement of Security handled with care
Verified and updated employee information including payment details, increment, promotion, resignation, termination and new employee joining Shortlisted candidates to meet requirements of specific department
Process, verify, and maintain documentation relating to personnel activities such as staffing, recruitment, training, grievances, performance evaluations, and classifications
Felicitated with ‘Best performance trophy’ for successfully completing the card settlement clean up activity
Aug 2006 – Jun 2007: Northern Operating Services Pvt Ltd., India
Client Service Executive
Nov 2004- Aug 2006: Projeon BPO (An Infosys Company)
Executive Operations (Fidelity Investments)
July 2003 – Sep 2004: Reliance Infocom, India
Customer Service Executive
