Bhavish Mehta Credit Risk Manager

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Resume ID:

612467

Posted:

06.10.2018

Location:

Ontario, ON 

Postal Code:

M4c 4y7
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Employment Category:

Administration & Support Services, Advertising, Marketing, Communications, Agriculture, Forestry, Fishing, Construction, Trades, Minning, Customer Service, Call Centre, Education, Training, Human Resources, Energy, Oil & Gas, Engineering & Sciences, Environmental Technology & Services, Government, Aboriginal & Military, High Tech, Computer, Internet, Software, Legal & Financial, Management & Consulting Services, Manufacturing & Distribution, Medical, Dental & Healthcare Services, Nonprofit, Community & Social Service, Other, Personal Care & Services, Retail / Wholesale, Sales, Sales - Agents & Commission only, Security, Emergency, Law Enforcement, Tourism, Hospitality, Food Service, Transportation, Trucking, Warehousing

Employment Type:

Full Time, Permanent

Desired Salary:

$4,000.00 per month

Language:

English, Gujarati, hindi, Excellent,
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Objective:

My career objective is to create Jobs & oppurtunities. I intend to achieve it by implementing the knowledge I have gained from education and prior experience into practical and real life scenarios faced in Business domain. Over the past 13 years of work experience I have been able to acquire key skills like effective communication which helps me to create the right kind of work atmosphere for my co-workers, my directs and myself. Playing different roles has helped me achieve strong hold on analytical skills which helps me recognize the significant elements in a situation. Having acquired good conceptual skills over a period of time along with the right attitude I am able to lead my team and resolve current issues along with creating strong controls to avoid any future impacts. I have a strong hold on advanced Excel, PowerPoint, MS Office, SQL

Education:

06.01.2009 - 06.04.2012
Symbiosis
Marketing
Master’s Degree


Work Experience:

06.04.2009 - 02.28.2018
Credit risk analyst
JP MORGAN CHASE | Banking
During the 9 years of my experience with JP, I Worked in different roles like customer service, contact management analyst, business analyst manager and credit risk analyst


Total Years Experience:

14

Skills:

Business Analysis MS Excel Management Collections Project Management Power point Leadership Customer Experience MS Word Team Management Process Improvement Pursuing Base SAS  Able to effectively cope with change, shifting gears as needed Credit Risk Analysis Basic SQL  Provide current, direct, complete and “actionable” positive and corrective feedback to others Strategy Execution Pivot Tables  Can orchestrate multiple activities at once to accomplish a goal

Occupations:

Accounting-Finance: Financial Control, Bookkeeping, Claims Review and Adjusting, Collections, Corporate Accounting, Corporate Finance, Credit Review-Analysis, Financial Analysis-Research-Reporting, Financial Planning-Advising, Financial Products Sales-Brokerage, Fund Accounting, General-Other: Accounting-Finance, Investment Management, Policy Underwriting, Real Estate Appraisal, Real Estate Leasing-Acquisition, Risk Management-Compliance, Securities Analysis-Research, Tax Accounting, Tax Assessment and Collections
Administrative-Clerical: Administrative Support, Claims Processing, Data Entry-Order Processing, Executive Support, Filing-Records Management, General-Other: Administrative-Clerical, Office Management, Property Management, Reception-Switchboard, Secretary-Executive Assistant, Transcription
Banking-Mortgage Professionals: Bank Teller, Credit Manager, Escrow Officer-Manager, Loan Officer-Originator, Mortgage Broker, Store-Branch Management, Title Officer-Closer, Underwriter
Business-Strategic Management: Business Analysis-Research, Business Unit Management, Franchise-Business Ownership, General-Other: Business-Strategic Management, Hospital-Clinic Administration, Hotel-Lodging Management, Managerial Consulting, Mergers and Acquisitions, President-Top Executive, Public Health Administration, Restaurant Management, School-College Administration, Store-Branch Management, Strategic Planning-Intelligence, Town-City Planning
Customer Support: Account Management (Non-Commissioned), Bank Teller, Call Center, Customer Training, Flight Attendant, General-Other: Customer Support-Client Care, Hair Cutting-Styling, Reservations-Ticketing, Retail Customer Service, Technical Customer Service
Marketing-Product: Brand-Product Marketing, Copy Writing-Editing, Direct Marketing (CRM), Events-Promotional Marketing, General-Other: Marketing-Product, Investor and Public-Media Relations, Market Research, Marketing Communications, Marketing Production-Traffic, Media Planning and Buying, Product Management, Telemarketing, Visual-Display Merchandising
Other: Career Fair, Other, Work at Home
Project-Program Management: Event Planning-Coordination, General-Other: Project-Program Management, IT Project Management, Program Management, Project Management
Quality Assurance-Safety: Building-Construction Inspection, Environmental Protection-Conservation, Food Safety and Inspection, Fraud Investigation, General-Other: Quality Assurance-Safety, ISO Certification, Occupational Health and Safety, Production Quality Assurance, Six Sigma-Black Belt-TQM, Software Quality Assurance, Vehicle Inspection
Sales-Retail: Account Management (Commissioned), Business Development-New Accounts, Field Sales, Financial Products Sales-Brokerage, Fundraising, General-Other: Sales-Business Development, Insurance Agent-Broker, International Sales, Media and Advertising Sales, Merchandise Planning and Buying, Retail-Counter Sales and Cashier, Sales Support-Assistance, Store-Branch Management, Technical Presales Support & Technical Sales, Telesales, Travel Agent-Ticket Sales, Visual-Display Merchandising, Wholesale-Reselling Sales

Resume Entry:

Bhavish Mehta Sr. Credit Risk Analyst at J.P Morgan Chase Total Work Experience: ~~13 years bhavish.j.mehta@gmail.com Summary My career objective is to create Jobs & oppurtunities. I intend to achieve it by implementing the knowledge I have gained from education and prior experience into practical and real life scenarios faced in Business domain. Over the past 13 years of work experience I have been able to acquire key skills like effective communication which helps me to create the right kind of work atmosphere for my co-workers, my directs and myself. Playing different roles has helped me achieve strong hold on analytical skills which helps me recognize the significant elements in a situation. Having acquired good conceptual skills over a period of time along with the right attitude I am able to lead my team and resolve current issues along with creating strong controls to avoid any future impacts. I have a strong hold on advanced Excel, PowerPoint, MS Office, SQL Experience ICICI Home Finance March 2018 – Present Risk Analyst Manager Credit risk analysis of mortgage loan proposals (retail and corporate), preparation of risk assessment summary & rating rationale Credit risk assessment for Loan against securities Policy recommendations and amendment to enhance the internal process Monitoring of vault report at multiple and single scrip level to determine the breach in policy Risk analysis of mortgage credit operating guidelines and loan against securities on periodical basis as well as risk analysis of various process notes from operational risk perspective. Assistance in formulation of mortgage credit operating guidelines along with other loan types like LAS and consumer durable products from risk perspective Analysis of early mortality and its periodic reporting to senior management; Monthly Review of Mortgage Portfolio as per set parameters and its reporting to Senior Management; Analysis of inbound mortgage loan customers and FD customers and their Risk Categorization on monthly basis along with its reporting to Senior Management; Monitoring of assets under watch and carrying out assets quality review for Construction Realty Funding cases; Liaison with statutory auditors, internal auditors and ISO auditors for annual audit / certification perspective; Liaison with central operations / treasury / business / accounts teams for collation of the non-financial data and liaison with compliance team for regulatory reporting per se; Support the requirements of Compliance Team during Regulatory Inspection Achievements: Appreciation received from CRO for recommending and implementing risk categorization for loan against securities product Appreciation received from head of treasury by implementing a new process to increase the efficiency of LAS process by reducing the TAT from 2 to 1 day. Appreciation received from National head for pro-actively partnering with CIBIL team to determine the relevant match percentage for lending against consumer durable products J.P Morgan June 2009 – Feb 2018 Credit Risk Sr. Analyst – Risk Management Wellness Decision Monitoring supporting Acquisition, Portfolio Credit Risk, and Point of Sale Authorizations in the Risk Execution department. Responsibilities include utilizing analytics to validate and monitor policy and process execution according to JPM Chase standards.  Working with business partners and technology leads to identify the appropriate data for testing/Wellness validation support.  Assisting Application Developers, technical support staff, and Risk Strategy Stakeholders in identifying and resolving concerns. Responsible for engaging with Stateside Wellness resources to support and drive quality efficiencies and to facilitate partnership globally. Lead a team 4 risk analyst and define scope and complexity of work orders. Assignment of tasks and ensuring all SLAs are met and validations completed for Enterprise release. Responsible as a key player in the SDLC process in ensuring to highlight any defects or out of pattern trend for the policy/strategy change seen. Identifying gaps and providing solutions to enhance the process by providing innovative ideas and implementing the same. Support all Enterprise Release by creating playbook task to monitor ongoing wellness reports and creating a game plan and checkpoints for the team to ensure all aspects are covered during validations. Business Analyst III Job Profile: Provide operational impact analysis for strategic initiatives. Support Operations in problem solving via data gathering and analysis. Key objective is to drive focus and innovation by identifying, communicating and reacting to operational trends. Responsibilities include providing analytics tied to performance, compliance and customer experience. This incorporates global efficiency (analytics for collection units across 6 sites both domestic and off shore), impact analysis and initiative tracking. Manage dynamic prioritization for all pre charge off activities. Supply key operational views for Sr. Management reporting. Play critical role in communication between stakeholders to ensure alignment with business objectives. Use appropriate statistical and reporting tools to provide performance analytics and supporting data for domestic sites (San Antonio, Orlando, and Elgin) and offshore sites (Manila, Cebu, Mumbai). Use of business acumen along with analytical skills to interpret and identify performance trends, gaps, opportunities. Build and maintain positive rapport with all customers. Hiring Applicants (Part time & Full Time) Utilize enhanced technology functionality to improve execution against designed strategies Develop appropriate controls to ensure RTE excellence Utilize SCT Meetings to communicate an aligned and holistic Strategy message. Effectively execute against designed segmentation and targeting strategies, scheduled test/ controls, to deliver optimal contact value. Deliver timely, reliable and quality analytic outputs that explain business results, influence partners and drive key business decisions. Develop a plan to assign scorecard related RTE KPM’s to internal owners Achievements: Promoted from a Customer Advisor to Business Analyst within a span of 9 months of joining the company with sheer dedication and passion towards my job. Promoted as a Business Analyst III (Manager) within a span of 16 months of becoming BA I by sustaining optimum performance throughout the tenure and continuously providing innovative ideas which helped the business gain NCL benefits Awarded the Ace Call award during the transition period. Awarded the Class award for the span of 3 months during training based on the operating principles. Awarded an opportunity to set up a complete new unit for Manila and Mumbai site. Awarded the best team for the third quarter (July 2010-Sep 2010) Proposed 5 “IDEAS FOR INNOVATION” out of which 3 are in the pipeline amounting to a NCL of $41.13 MM per annum. Awarded “All Rounder Award” for Q4 2010. Process owner for Low Risk Unit – (Mumbai/IQOR/Cebu/Manila) Sr. Customer Executive at IBM DAKSH March 2006 - May 2009 Job Profile: Worked with I.B.M Daksh as senior customer executive for United Airlines along with Star Alliance for 3years 3 months. The job profile required to assist passengers looking out for their itineraries and help them give the best economical route in such a way that each and every client is delighted. The main goal was CSat along with First Call Resolution. A part of my work also involved managing the new trainees with their work and keeping a track of their quality and C-Sat scores. Train the new employees in C-Sat and give them coaching and keep a track of their progress report Achievements: Awarded the top 30% contributors for two consecutive quarters from April-June 2007 and July-September 2007 Awarded with the highest PMC rating for the year 2007. Completed Basic Quality Training Attended other development trainings like Self-Team Motivation, Break Free. Sr. Executive at Zenta Pvt. Ltd December 2004 -July 2005 Job Profile: Working for NCO Collections along with Capital One as a Bad Debt Collector. The job profile required assisting customers to help repay their loans and credits and to improve their credit score and credit reports. A part of my work also involved training new batches and verifying the payments for a team of 14 people and keeping a track of their progress reports. Achievements: Awarded the title of Senior Executive within a span of 6 months of joining the organization. Awarded the best collector for the period Feb-July 2005. I was also a mentor for a team of 14 people within 4 months. Awarded employee of the month from the client Assistant Sales Manager at Atul Plastics March 2003 - October 2004 Job Profile: The profile required to manage a team of 4 people and co-ordinate with the clients for the export and import of various plastic products and to keep a track of all stocks. It also involved marketing of our products to specific clients. Achievements: Awarded the post of Assistant Sales Manager in a span of 10 months. The company also showed a growth of 4.7% profit in the half yearly annual budget. Education Qualification Course Passing Year College/University PGDBA (Marketing) 2012 Symbiosis College, Pune T.Y.B.Com 2008 Maharani Ahilya Holkar University H.S.C 2003 Jai Hind College, Mumbai S.S.C 2001 St. Xavier’s Boys’ Academy. Skills & Expertise: Business Analysis MS Excel Management Collections Project Management Power point Leadership Customer Experience MS Word Team Management Process Improvement Pursuing Base SAS  Able to effectively cope with change, shifting gears as needed Credit Risk Analysis Basic SQL  Provide current, direct, complete and “actionable” positive and corrective feedback to others Strategy Execution Pivot Tables  Can orchestrate multiple activities at once to accomplish a goal Languages: English Hindi Gujarati Marathi Personal and Contact Details: D.O.B: 6th March, 1986 Address: B 1701, Videocon Towers, Thakur Complex, Kandivali East, Mumbai 400101,Maharashtra Mobile: 09833101012 Email: bhavish.j.mehta@gmail.com
User Info

Bhavish Mehta
Mumbai, India