Darshana Kariyawasam

• Overlooking Credit Underwriting Team and heading all related credit functionalities.
• Exercise stipulated Delegated Authority Limits to approve credit cards, consumer loans, facility limit enhancements, and approve exceptions as per the credit policy of the company.
• Portfolio management and closely monitor portfolios to detect early warning signals, and take timely, appropriate actions to maintain portfolio quality.
• Ensure credit procedures and controls are in line with the company policies and regulatory requirements.
• Training and development of credit skills of channel and Card Centre staff.
• Introduce new procedures, processes, and new risk-mitigating controls for new products and developments of the business unit.
• Facilitate the digital underwriting process developments, credit products, AI solutions, and automated evaluation processes, etc., and all related IT developments.

Contributed for below key product developments and projects

• CRIB Automation Project – Automated CRIB scoring module based on various CRIB learnings and patterns.
• Automated Eligibility Evaluation and Loan Evaluation based on Big Data - For a business partnership with Leading Mobile Company.
• Automated Credit Evaluation Development – Mobile App-based Online Digital Loan Product with an outside developer.
• I Pay Digital Payment Platform.
• Credit Card Management System Development Project and Reporting Module.
• Preparation of Credit Card Credit Policy, Credit Card Staff Policy, and related process developments.
• Branch staff training and transformation to establish credit quality and standards as a new product entrant, and strong credit control over the current economic downturn to maintain a lower NPA ratio compared to the industry.

• Manage the department with over forty staff members, including four assistant managers and five officers.
• Evaluating and approving all personal banking facilities, including Housing Loans, Personal Loans, Education Loans, Energy Loans, and Credit Cards.
• Meet deadlines and relevant SLAs.
• New policy development, MI Reporting, and Portfolio Management.

• Covered all aspects of branch operation and credit functions, following strict compliance and adherence to all laid-down guidelines and procedures of the bank.
• Managed branch deposits and advances portfolios and achieved set targets at the maximum level.
• Increased branch profitability and reduce unnecessary costs.
• Managed and achieved assets and liabilities portfolios of the branch, following set targets.

• Provide consistent and ongoing reviewing of credit papers of all branches under Southern Region.
• Ensure smooth and efficient workflow of all regions in the bank and act as an intimidator between branch managers/branch staff and heads of the departments.
• Verify new credit appraisals submitted for approval to head office and ensure accuracy of all provided details prior to presenting for approval through line management.
• Monitor all branch excesses, due loans, and follow up with branches until regularize of same.
• Preparation of detailed credit proposals as per credit guidelines.

Worked in several branches including Corporate Branch, Millennium Branch, Ratnapura Branch, Grandpass Branch, and IT Department.

Credit Functionalities, Credit Operations

• Interviewing clients and collecting all relevant details to evaluate new credit proposals of personal clients for various personal requirements.
• Financial evaluation and ratio analysis of new credit proposals, and preparing all types of Credit Appraisal Forms.
• Handling security documents, disbursements, recovering, and monitoring.
• Carrying out annual reviews of existing facilities and monitoring repayment of facilities.
• Issuing Bank Guarantees, establishing LCs, and arranging pre-shipment and post-shipment trade finance facilities of the branch.

Branch Operations and Customer Service

• Providing high standards of customer service, processing cash deposits and withdrawals, cheques, and opening accounts. Issuing foreign drafts, etc.
• Balancing accounts and submitting month-end statements and MIS.