1. Adithya Rojamon Gopinath
Mob : +971-0528480564
E-mail : adhithyahere@gmail.com
: adithyargopinath@gmail.com
Contact Address : ENBD Meydan, Nad Al Shiba , Dubai - 777
Career objective:
To promote and expand the organization’s operations in line with the accepted financial / credit risk. To
be an inspiring credit risk professional that enjoys working in multicultural teams with dedication and
sincerity.
Professional Experience
Name of the organization : “Emirates National Bank of Dubai”
Position Held : Credit Underwriter
Duration : From 24/03/2013 till date
Job Profile
 Credit/Risk underwriting on companies/applicants and credit decision making on loan
requests.
 Credit review of Loan applications – Company, fleet segments, Self employed and salaried as
per bank policy and procedures. Calculating ratios, current debt burden, repayment capacity
and credit behavior of loan applicants. Accessing risk of lending and making the most
suitable credit decision.
 Corporate analysis using the financials, bank statements, industry and market factors.
 Verifying and analyzing documents eg: company financials, Bank statements, company
legal/ownership documents, loan documents, salary documents etc.
 Due diligence and fraud investigation on proposals prepared by junior analysts and Final
decision making based on customer portfolio.
 Coordinating and negotiating with the sales team in case of high ticket or high net worth
customers.
 Exercise the delegated credit limits prudently.
 Ensure Turnaround Time (TAT) is within agreed SLA.
 Strict compliance of Central Bank and AML regulations.
 To conduct Employer verification / Field Visit wherever necessary and applicable.
 Perform UAT – both conventional and AWAI, if required, to accommodate system upgrades
Name of the organization : “Hutchison 3 Global Services Limited” (3 Ireland)
Position Held : Business Credit Risk Underwriter
Duration : From 10/03/2010 to 17/10/2012
Job Profile
 Evaluating the potential Credit risk of companies applying for services from an Irish
Telecommunications provider (“3 Ireland”).
 Verifying the financial reports of the company to determine their credit worthiness, using the
company reports from third parties like D&B and Experian.

2.  Perform a complete fraud check on all companies requesting services (validating the
documents submitted by the customer to confirm its authenticity, background check, etc.).
 Determining the value of services and credit limits that can be allotted to new clients.
 Determining and describing the documentation requirement and other requirements for the
business customers. This application policy was rolled out to the Sales department.
 Preparing management reports on Irish industries with regards to trends, economic situation
and general market information to understand the potential credit risk and recommend
actions to mitigate the risk of lending services to each industry.
 Guide and support the sales team and 3rd
party dealers in handling the potential customers
and leads based on their risk profile. This resulted in faster turnaround time on credit
decisions on improved quality of potential lead contacts.
 Liaise with the sales team, finance team and administration to implement credit check
process related to new products and services and make sure the process is implemented
before the launch date.
 High usage monitoring of business accounts to minimize the risk of bad debt.
 Handling VIP accounts to ensure the service on their account is not suspended as a result of
high or unusual usage.
 Preparing reports compiling collection data and the approval data to determine the
effectiveness of the credit approval system. To identify the common trends in applications
and identifying the high risk sectors/customer category.
Achievements
 Supported the establishment of a new team for Business credit underwriting in Hutchison 3
mobile services in India.
 Supported setting up the business underwriting processes and policies to be approved by
Head of Risk and Fraud.
 Successful in reducing the number of customer complaints related to barring of services and
improving the overall customer service standards for business customers, while maintaining
the acceptable risk levels for the company.
 Successful in maintaining a trusting working relation with the finance and sales team within
the company and improving the handling time.
Name of the organization : “TATA Consultancy Services”
Position Held : Senior Home Loan Underwriter /Credit analyst
Duration : From 12/10/2009 to 09/03/2010
Job Profile
 Providing training required for the new team members, assisting and guiding them in
understanding the process and establishes themselves in team.
 Credit risk evaluation of borrower’s applying for Home loans.
 Evaluating borrower’s credit history and determining credit worthiness, by verifying prior
history of using credit facility. Verifying the payment patterns, number of credit cards used
percentage of use of credit limit, verifying lattes and defaults in credit cards, personal loans,
home loans etc.
 Evaluating borrower’s capacity to repay and determining the stability and continuity of
income by analyzing their monthly income and source of income using pay-stub, tax returns,
and other yearly income statement.
 Evaluating the documents submitted as collateral for the home loan such as property
appraisal report, property title report and purchase contract.
 Determining the minimum asset requirement, that borrower should have to get the
particular loan approved and verifying the asset information such as bank statements
provided by the borrower.
 Underwriting of Home loan proposal as per defined “loan product” terms, legal and
government requirements and guidelines and taking the decision on loans.

3.  Assisting the borrower’s with all the information regarding the home loans and help them in
choosing the right product.
 Identifying the list of documents to be collected from the borrower and start the process.
 Verifying of documents produced by the customers to control fraud.
Previous organization : “Zenta Knowledge Services” – (Accenture Credit services)
Position Held : Home Loan Underwriter /Credit analyst
Duration : January 2007 to 08/10/2009
Job Profile
 Credit risk evaluation of borrower’s applying for Home loans.
 Assisting the borrower’s with all the information regarding the home loans and help them in
choosing the right product.
 Identifying the list of documents to be collected from the borrower and start the process.
 Providing training required for the new team members, assisting and guiding them in
understanding the process and establishes themselves in team.
 Evaluating borrower’s credit history and determining credit worthiness, by verifying prior
history of using credit facility. Verifying the payment patterns, number of credit cards used
percentage of use of credit limit, verifying lattes and defaults in credit cards, personal loans,
home loans etc.
 Evaluating borrower’s capacity to repay and determining the stability and continuity of
income by analyzing their monthly income and source of income using pay-stub, tax returns,
and other yearly income statement.
 Evaluating the documents submitted as collateral for the home loan such as property
appraisal report, property title report and purchase contract.
 Determining the minimum asset requirement, that borrower should have to get the
particular loan approved and verifying the asset information such as bank statements
provided by the borrower.
 Underwriting of Home loan proposal as per defined “loan product” terms, legal and
government requirements and guidelines and taking the decision on loans.
 Verifying of documents produced by the customers to control fraud.
Academic Profile
Post Graduate : MBA (Finance, Marketing), Anna University, Chennai 2005-2007, (Aggregate 73%)
Under Graduate : BBA, Mahatma Gandhi University 2002-2005, (Aggregate 73%)
Higher Secondary : XIIth
(Science Group), State Board, Kerala 2000-2002, (72%)
Xth
examination : State Board, Kerala 1999-2000, (83%)
Project Details
A. P.G Project (January 2007 to June 2007)
 Six months project done at “Global Realty Outsourcing India Pvt Ltd”. Chennai in
financial area.

4. Topic: Residential mortgage Loan Securitization Process in India in Comparison With US
(2007)
 Have undertaken one-month project work in Airtel mobile of “Bharathi Airtel” in the area
of MARKETING.
Topic: Customer Perception About Airtel Service Provider. (2006)
B. U.G Project (January 2005 to March 2005)
 Has under gone one month inplant training in Human Resource at Cochin Port Trust as a
part of degree programme.
Topic: “Labor Welfare Measures in CPT”.
 Have done three months social project (field work) which was also as a part of BBA
programme.
Topic: “Problems faced by the Traditional Handloom Workers”.
Referrence
Jenneke Visser
Corporate Governance Manager
Al Tayar Group
Mail ID : Jvisser@altayer.com
Garry Mannering
Head Of revenue Assurance and risk management
3 Ireland
Mail ID : Garry.mannering@three.ie