Credit Systems Analyst Programmer-Decision Systems
HSBC
Total years of experience :7 years, 7 Months
• 4+ years with Risk Management department
• Redesigned and developed risk software systems to optimize maximum output with zero error
• Designing and maintaining pivot tables and charts in excel to showcase ad-hoc business requirements.
• Designing and maintaining forms, reports and queries in MS Access as per requirement from
higher management
• Managed and supported 4 risk systems across 7 MIddle East countries
• Planning and implementing projects for all Bank initiatives that have an impact on Credit and Risk systems
• Key role in implementing and delivering business requirement which automated decision making.
• Ensuring the strategies on the decision support systems accurately presents the PFS credit policies’ and is in line with BIM(Business Instruction Manuals)
• Managing the change control process and ensuring sign offs are in place.
• Identifying potential credit and risk projects for the region and estimate resource requirement and benefits
• Ensuring all credit systems reflect the policy accurately
• Satisfactory internal and external audit
• Efficiently managing champion challenger software strategies across credit systems to ensure maximum profit generations
• Co-ordination and defect fixing during Project Implementation in SIT(Systems Integration), SAT (Systems Acceptance) and UAT (User acceptance) testing
Profile
• Worked with HUB(Hong Kong Universal banking) system. A live & universal banking system which provides the all the information regarding customer accounts
• Worked with ecafe(Electronic card Automation Front-end) system that facilitates updates on deposit accounts & liabilities.
• Worked with CACS system that shows history regarding customers & their facilities & their various updates
• Worked with GWIS(Group Workflow Interactive System)-inquiring all the documents that customer has provided when he availed the facility
Front-end Team Member
Managing delinquent customer accounts and ensuring that payments are collected on time.
Left Employment Team member
• Analysing & dealing with customers who have left their jobs.
• Follow up with customers regarding their new job details.
• Reducing the risk factor involved with the bank because of their liabilities.
• Authority to cancel or block facilities in case of non-cooperative customers.
• Analyzing their debt to burden ratio to make sure that customers can continue with their facilities.
• Freezing accounts in case of non-cooperation.
• Loan restructuring in case on absolute necessity.
• Providing customers all the necessary information regarding their accounts.
• Restructuring o rescheduling the loan according to the requirements.
• Analysis, Design and Development of various financial, Non-financial and Reporting systems to generate standard periodic reports that provide value-added support to Business Groups, Executive Management and Board of Directors in deciding strategy and evaluating business performance.
*Designing about 150 reports in crystal
• As part of IRES (Information Reporting and Data Extraction Services) for Core Banking -was involved in converting 120+ reports based on Bank’s New Database Structure and publish on Business Objects (Crystal Enterprise) with oracle (PL/SQL) as back-end
• As part of MIS team - Database Design, Normalization and Reports Designing using Crystal Reports, and MS-Access and preparing detail documentation including flow charts.
• Generating the Confidential fortnight, Monthly, Quarterly, Yearly Banking reports with the following data for the Branches/Departments.
• Generating ADHOC Reports with the live data for various Branches/Departments
• Dealing with support issues on a regular basis on PMS (property management system), Bank Facility System. Developments in VB performed on these systems
• A key role in the Management Information System (MIS) unit, assisting a team in generating the confidential Fortnight, Monthly, Quarterly, Yearly Banking reports and ADHOC reports. Assist & Co-operate with Internal and External Auditors in generating the MIS reports during Quarterly and Yearly audit
Bachelor of Computer Science and Engineering