PROFILE Krishan Narwal

Experienced underwriting professional with

capabilities of risk assessment, and analysis of EDUCATION
ratings of individual and organizations. High
proficiency and accuracy in processing and Academic Qualifications
completing credit card applications. Analysed
and serviced unsecured loan by utilizing
judgemental skills to minimize credit risk.
Qualifications Institutes Board/University Year of Passing

CAREER OBJECTIVE B.Com Govt PG K.U.K University 2011

Collage Karnal
To attain a challenging and growth-oriented
position in Industry and enrich my professional 12th DAV Sr Sec HBSE BOARD 2008
skills that would result in increased company’s School
profitability. Interested in Analytics,
10th Govt. Sen. Sec HBSE BOARD 2006
Operations Management and Credit Analysis.
School

STRENTHS
• Effective Communication skills
WORK EXPERIENCE ( 10+ EXPERIENCE IN SBI CARD )
• Positive attitude
SBI CARD - Sr. Executive Underwriting (January 2019 to Present)
• Team work skills
Key Responsibilities
• Ability to work well under pressure
• Reviewed, classified, coded and rated applications.
• Ability to lead and take initiatives • Supported review and acceptance and denial of applications.
according to the situations • Controlled loss by assessing risk.
• Monitored underwriting teams’ performance and provided mentoring to achieve
• Leadership personal and departmental goals.
• Innovation • Maintained requisite level of quality scores.
• Creative, Problem Solving • Assess and make credit decisions on closed-end and revolving product applications
including secured and unsecured Credit Cards.
• Complete other duties and special projects as assigned by Senior Management.
HOBBIES • Maintained excellent credit quality through no defaults on covenant compliance or
past due documentation.
Indoor & Outdoor Games. (Playing Cricket & • Process credit card applications for new customers setting credit limits and terms
Football) of service according to customer credit and background.
• Handling upsell process Prepare the Report in Excel on daily basis.
Playing cricket
• Trained new underwriters for organization to increase productivity and minimize
Cycling time required to integrate new hires into role.
• Efficiently managing Processes 2 –Upsell Process and VIP applications.
Interacting with people, Listening Music. • Regular internal audit of application processed by the team.
• Shrinkage Management–Manage leaves by Implementing Leave
CONTACTS Projection tracker to maintain shrinkage (planned + unplanned
leaves)within10%.
PHONE: 701580187 • Performed the required KYC screening credit worthiness(WCP) on customers
documenting and evaluating the information.
EMAIL: Krsihananrwal136736@gmail.com • Part of testing team on wcp (ACQ : where agent find all verification report on single
page which reduce time and increase accuracy.
LinkedIn:
https://www.linkedin.com/in/krishan- SBI CARD PAYMENT AND SERVICES PVT LTD
653a8a195 Executive Chargeback (Jan 2017 – Dec 2018)

ADDRESS Key Responsibilities

•Review and investigate chargeback claims initiated by customers, financial

House No 10/64 U block sector 24 Gurgaon
institutions, or Payment processors.
Gurgaon Haryana. •Analyze transactional data, documentation, and communication records To
determine the legitimacy of the chargeback request.
•Gather and organize relevant documentation, such as sales receipts, transaction
records, Customer correspondence, and dispute forms, to support the investigation
process.
• Ensure Proper documentation is maintained according to regulatory requirements.
•Utilize fraud detection tools and techniques to identify potential fraudulent
chargebacks.
•Analyze transactional data, customer behavior, and historical patterns to identify
red flags and Fraudulent activities.
•Develop strategies and implement measures to prevent and minimize Chargeback
fraud.
•Evaluate chargeback claims and determine appropriate actions, such as issuing
refunds, Disputing the chargeback with the relevant financial institution, or
escalating cases to higher-level management

SBI CARD PAYMENT AND SERVICES PVT LTD

Customer Service Associate (Feb2014 to Dec 2016)

Key Responsibilities

• Achieving the monthly sales targets, assigned by organization, for various products
and services. Cross sell assets and fee products. Follow the various internal
guidelines and procedures of the bank. Ensure customer satisfaction through regular
engagement.
• Developed and maintained professional relationships with new and existing
customers, educated customers about bank products and services.
• Maintain and further develop existing customer relationships through cross-selling
additional bank products and delivering excellent customer service.
• Trained new staff members upon hiring .
• Responsible for day to day sales of all banking products and adherence of sales
target provided by company.

WORK ON SOFTWARES :

• CITRIX
• CARD ONE
• VISION PLUS
• FALCON
• NAPS
• WCP

COMPETENCIES
• Knowledge of MS Office Excel
• Underwriting knowledge
• Risk management
• Proactive team player
• Analytical
• Research
• Report Writing
• Presentation/Public Speaking
• Leading Meetings
• Complex Communication