RESUME

Name : Somesha A K
E-mail : Someshgowda93@gmail.com
Mobile : 9164586357

Objective:

 To be associated with an esteemed organization that would give me scope to

make best use of my qualification and experience, which can be applied and
shared to achieve organizational and individual goal.
 Achieving Professional Excellence through hard work and dedication,
accomplishment of given task efficiently.

Skills:
 Complete end to end investigation on cases.
 Quick Learner, Good Communication
 Strong analytical and problem-solving skills, with good decision making
ability

Education and Qualification:

 B.Com (Bachelor of Commerce) from Mysore University

Personal Skills
 Comprehensive problem solving abilities.
 Team spirit and Active Team Player.
 Positive attitude and Self-motivation.
 Quick learning and teaching skills.
 Proper corporate business etiquette.
Work Experience :(I)

 Organization : ICICI Bank Ltd(I Process Service Private Limited)

 Designation : Sampler

 Tenure : June 2014 to Mar 2017

Roles and Responsibilities

 Handling sampling activity on Home Loan, Personal Loan & SEG Cases.
 Monitoring daily/monthly sampling activity & MIS reporting.
 Quality check and verification of agency reports for better accuracy.
 Validating agency bills & submitting for further processing.
 Strategizing and implementing new ideas to seal the potential risk.
 Regular meeting with credit and other internal teams to update latest fraud
trends.

Work Experience :(II)

 Organization : Yes Bank Ltd(Me-Hin Tech-Edge Solutions)

 Designation : RCU Co-Ordinator

 Tenure : April 2017 to June 2017

Roles and Responsibilities

 Handling sampling activities on Home Loan & Personal Loan.
 Finding out the Risk Alert cases based on the triggers and taking care of end to
end investigation.
 Monitoring daily/monthly sampling activity & MIS reporting.
 Maintaining sampling % as per process targets.
 Quality check and verification of agency reports for better accuracy.
 Strategizing and implementing new ideas to seal the potential risk.
Work Experience :(III)

 Organization : Indiabulls Housing Finance Ltd

 Designation : FCU Officer

 Tenure : June 2017 to Oct 2019

Roles and Responsibilities

 Handling sampling activity on Home Loans.
 Taking care of entire south pre-disbursement activity on Home Loans.
 Sampling / Screening of the proposal which is login in cases in line with the TAT
without any errors.
 Monitoring daily/monthly sampling activity & MIS reporting.
 Quality check and verification of agency reports for better accuracy.
 Validating agency bills & submitting for further processing.
 Strategizing and implementing new ideas to seal the potential risk.
 Regular meeting with credit and other internal teams to update latest fraud
trends.
 Issuing Warning letter to agency Or DSA executives in case of any integrity and
process lapse identified.
 Issuing Termination letter to employees in case of any integrity, Revenue Loss
and process laps identified.

Work Experience :

 Organization : HDFC Bank Ltd

 Designation : Deputy Manager

 Tenure : Dec 2019 to Till date

Roles and Responsibilities

Pre-Activities:
 Sampling / Screening of the proposal which is login in cases in line with the TAT
without any errors.
 Maintaining sampling % as per process targets.
  All sampling reports to be cross checked and ensure that reports are to be closed
in time.
 If any cases noticed as forged/manipulation of documents, to be recorded with
customer/agency confession letter.
 Handling multi products like PL, LAPSE, Business Loan, CTG, Auto Loan pre
activities.
 Conducting Agency training and sampler training on monthly basis.
 Maintaining Cross CPV checks on LAPSE , Business Loan & Auto Loan cases on
monthly basis.
 Conducting End user checks on all the products on monthly basis.
 Agency billing – it’s one of the major audit parameters to check the agency bills
in terms of any excess bills or duplicate entries.
 Analyzing the credit report & history of the customers’ basis on which if any
loans initially issued/declined/cancelled accordingly.
 Attending cross functional meetings with SM’s and ASM’s from different
products.
 Conducting vendor surprise visit at vendor locations once in a month as per
central team MIS.
 Distracting Negative and risk alert files documents on monthly basis whichever
is 3months older and maintaining records as well.
 All post actives updating in RIMS application on monthly basis for Centralize
MIS for all products.
 Conducting Seeding actives on PL product.
 Conducting Surprise Visits on DSA’s.
 Issuing Warning letter to agency Or DSA executives in case of any integrity and
process laps identified.
 Issuing Termination letter to employees in case of any integrity, Revenue Loss
and process laps identified.
 Preparing investigation report if found any Risk Alert Cases on centrally referred
Suspected fraud and Non Starter cases.
 Police complaints (FIR) to be filed from bank once we prepare the report and the
same to be submitted to legal team.

PERSONAL DETAILS:

Languages Known : English, Kannada, Telugu

Location Preference : Bangalore
Date of Birth : 24-01-1993
Nationality : Indian
Marital Status : Single
Address : #331, 5th Cross, 1st Main, Hampi Nagar,
Bangalore - 560104
 Declaration:

I hereby declare that the above mentioned information is correct to the best of
my knowledge.

Date: 06.06.2022
Place: BANGALROE Somesha A K