Dinesh Raj

Responsible for underwriting (exposure up to - $1 million) for corporations to allow American Express revenues to be increased according to B2B & T&E strategy. Along with core underwriting & CRO reviews, I have also led and represented in multiple market calls from CU team perspective. I have also provided coaching, overviews and delivered Underwriting workshops. Along with my day‐to‐day core underwriting task, I have organised multiple overview/workshops with our Risk, GCO, CEG and pricing partners for the team.

· Analysing and verifying financial and non-financial information to determine the creditworthiness of our clients. Rating and underwriting of prospect and existing clients who require a corporate program based on the Risk Policy.

· Underwritten in 2023 more than USD 50M+ with less than < 1day SLA, approved more than USD 40M+ in secondary reviews.

· Leading global Corporate Synergy forum (Global Underwriters) to create more collaboration and improving the synergy within our global underwriting teams and sharing best practices.

· Collaboration with key stakeholders and superiors to ensure effective and great working relationships with is maintained.

· Ongoing coaching and support to the other Underwriters.

· Led calls, surgeries, and workshop from CU team perspective. This has helped to reduce the bad demand (incomplete/wrong CRO and less escalation) significantly for our core tasks. The business is benefiting from it since quicker decisions on Underwriting requests resulting in a quicker implementation for the client, hence client centric process is optimized to deliver the best Underwriting experience.

· Stepped up to support underwriting strategy team in numerous scenarios– especially in the GRU migration project as SME. Proposed manual workarounds for EPT/ ROEC, Parent/sub rating only, PG cases, Re‐allocations and for EWS (early warning signals K0200)

· Supported in ECCO documentation for new accounts & TATO framework underwriting strategy.

· Designed and delivered multiple EMEA Corporate Underwriting workshops and trainings for various partners for mid/large and GCG segmentation.

· Led and organised multiple partners (Central Risk, GCO, CEG committee) workshops for the team.

· Resolved great amount complex escalations and underwriting requests.

Proposed a new policy for CM Limit Changes & non‐budgetary limits on BCA level and collaborated with GCG Risk Management leadership.

Responsible for maintaining and promoting good governance, credit processes and agreed service levels, ensuring Funding Circle values were being promoted internally and externally.

· Manage the day to day operation of the team, ensuring tasks are delegated/ allocated and completed on time.

· Reviewing early defaulted (EPD) FC loan applications and Underwriting decisions for UK, Central Europe segment. Having approval authority of 150K to 500K.

· Re-underwriting and investigating UK and DE early defaulted loans and collaborating with numerous of teams to understand trends and mitigate any issues observed. This can range from credit risks perspective that would be a concern to the decision scientists. Working with the operations team to minimise potential operational risks and making the necessary recommendations.

· Key member of the Global Reputation Risk Committee (RRF), reviewing applications that exhibit a potential risk to Funding Circle and investors from borrower perspective.

· Ensure FCA, AML, Due diligence and Funding Circle guidelines and policies are being adhered.

· Generate and evaluate reports for CE on both a weekly and monthly basis and presenting the teams work and findings to key Senior Management.

· Project manage drive for automation and efficiency across the pipe to minimize credit risks.

· Streamlining the QA process to maximize opportunities and increase coverage of loans reviewed.

· Identifying & suggesting improvements in reporting, monitoring processes and Risk framework to drive forward improvements in efficiency.

· Audit processing where required

· Coaching to Junior Staff where appropriate

Responsible for underwriting (exposure up to - $1 million) for corporations to allow American Express revenues to be increased according to B2B & T&E strategy. Along with core underwriting & CRO reviews, I have also led and represented in multiple market calls from CU team perspective. I have also provided coaching, overviews and delivered Underwriting workshops. Along with my day‐to‐day core underwriting task, I have organised multiple overview/workshops with our Risk, GCO, CEG and pricing partners for the team.

· Analysing and verifying financial and non-financial information to determine the creditworthiness of our clients. Rating and underwriting of prospect and existing clients who require a corporate program based on the Risk Policy.

· Performing risk analysis using internal and external risk indicators.

· Collaborating with the multiple partners including Sales, new accounts, Central Risk, CRU, and party data vendors to ensure that all Risk, Audit and high-quality standards are met.

· Acting as a SME to the Team and internal partners and other underwriters.

· Coaching and training to new Loan Officers

· Delivering the Corporate Underwriting Workshops and surgeries for multiple markets.

· Leading daily and weekly market Risk calls across the multiple markets from Corporate Underwriting team perspective

· Supporting in ECCO documentation for New accounts & TATO framework underwriting

Dealing with complex escalations

Provided financial credit and pricing administration services to multiple clients (interim contracts)

• Developed strong teams by skilfully recruiting, orienting and training loyal, hard-working employees.

In this position I was responsible for analyzing historical data, identifying previous trends, and forecasting future outcomes for key accounts.

· Produce monthly and daily forecasts dashboard reports for Senior leadership and partners.

· Produce formal presentations, reports of findings (utilizing SQL, Excel (pivot tables, lookups), which are to include firms conclusions and recommend appropriate actions.

· Ad hoc data analysis on a request and developed.

· Analysing and verifying financial and non-financial information to determine the creditworthiness of our SME clients along with performing due diligence.

· Approving of exposure (100K GBP) for prospects and existing clients who require a corporate program based on the internal policy

· Accountable for conducting comprehensive assessments/analyse in relation to personal credit, debit, and pre-paid card cheque transactions. Monitoring spending patterns to identify any potentially fraudulent activity and taking action accordingly.

· Analyse fraudulent claims to identify fraud model opportunities via trend/patterns.

· To monitor high risk merchants and industry types for all fraud types including ATM fraud, load, reversal, refund, 1st party, 3rd party, account takeover and money laundering fraud cases.

· Responding to instructions regarding sanctions, disputes, duplicates, KYC and claims as required

· Knowledge of fraud industry bodies/systems, CIFAS, CAIS, Falcon, and also OFAC and FATF

Accountable for Risk management service for a European banks