Cecil Anthony Dsouza

https://www.linkedin.com/in/cecil-anthony-dsouza-641a03172/ II [email protected] II 8697673521

WORK EXPERIENCE

Senior Banking Operations Analyst (Pre-Credit Assessment officer) November 2022 – Present
ANZ Bank Ltd Bangalore
•
As a Pre-Credit Assessment Officer in retail lending, I am working on a structured process that involves process information, as
well as, strategic decision-making.
(A) Process Information –

• Working closely with the team lead and the credit team to look into and verify the purpose for which the loan has been
applied.
• Identifying and pursuing new opportunities, conducting market analysis, and preparing meaningful insights.
• Thoroughly analysing the process and constantly trying to discover ways, in conjunction with the credit team and the
governance team, to cater to the credit needs of the applicants in the best possible ways.
• Seamlessly navigating through unstructured problems, making a structured approach of hypothesis, problem identification,
and solution.
• Presenting new service offerings and solutions, and enhancing existing delivery capabilities.
• Providing regular inputs on the process and initiatives to reach business targets, so as to improve the process for the overall
well-being of the business.
• Reviewing performance metrics on a regular basis, identifying opportunities for improvement with company best
practices.
• Making recommendations for new techniques, and strategies to improve team performance.
• Work cross-functionally in a dynamic, fast-paced, and challenging environment.

(B) Strategic decision-making -

• Benefit realization of saving planner time & curtailing 4-5 redundant process.
• Insightful observation of the loan purpose of a particular application to arrive at an informed conclusion.
• Detailed analysis of the loan application, with close consideration to the credit, to figure out the credit worthiness of the
applicant.
• Information accumulation and thorough checks conducted on the UMI position, the assets held, the liabilities owed, as well
as, the expenses incurred to arrive at a learned conclusion with respect to the credit position of the applicant.

II Key skills: Microsoft Excel (Basic to Advance), Microsoft Office (Outlook, Word, PowerPoint), Credit analytical tools, Forecasting

Credit card disputes management officer

ANZ Bank Ltd Bangalore
•
Responsible for creating cases for customer credit card disputes and discovering methods to resolve customer issues.
•
Directly contacting customers with respect to frauds related to their existing credit cards, and looking out for ways to remediate
the loss for the customers.
•
Conducting a detailed analysis to find out the reason for the fraud and the involvement of the customer (whether directly or
indirectly), as well as, conducting an in-depth research to find out the inefficiencies in the entire process chain involving all
participants (vendor, customer, remitter bank, payee bank).

II Key skills: Microsoft Excel (Basic to Advance), Forecasting, Visa website, Microsoft PowerPoint II

Projects

- Detailed research on the Home Loans market in Australia –

• Conducted an in-depth research about the practices in Australia in terms of Term Loans.
• Discovered findings about the percentage of the population opting for term loans in Australia, along with the role of the
banks and the Australian government in facilitating the loans.

- In-depth research and analysis on the performance of Super Smelters Pvt Ltd and comparison of its performance to that of its
competitors-

• Comparative analysis of the overall financial performance of Super Smelters Pvt Ltd with that of its competitors.
• Deriving findings and deducing conclusions after conducting a thorough research on the financial standing of the company.
INTERNSHIP

Accounts Intern Nov 2018 – Dec 2018

Welcon Consulting LLP Kolkata
• Worked as an accounts intern at Welcon Consulting LLP where looked into the day-to-day financial activities of the firm.
II Key Skills: Microsoft Excel (basic to advanced)

Business A n a l y s t Feb 2021 – Mar 2021

Design Bee Studio Kolkata

• Managed the books of accounts of the firm.
• Conducted an in-depth analysis of the books of accounts to derive the complete financial position of the firm.
• Provided consultation with respect to the complete financial position of the firm and decoded ways to improve it in the future.

Equity Research Analyst Aug 2022 – Oct 2022

Amico Wealth
• Completed a project with Amico Wealth based on which the task was to conduct a deep research on the financial performance
of 2 companies and finally compare their overall performances.
• Learnt about the various equity earnings and the process involved in their measurement and practiced them while comparing
the equity positions of the firms.

EDUCATION
ISBR Business School, Bangalore CGPA - 7.06
PGDM (Major – Finance, Minor – E-banking & financial services) Aug. 2021 – March 2023
St. Xavier’s College (Autonomous), Kolkata Percentage - 63.43
B.Com (honours) [Finance & Accounting] July. 2016 – March 2019
The Frank Anthony Public School, Kolkata April 2015 – March 2016
Class XII Percentage – 80.00
The Frank Anthony Public School, Kolkata April 2013 – March 2014
Class X Percentage -76.00

CERTIFICATIONS

International Introduction on Securities and Investment (IISI) (cleared module 1) by Chartered Institute for Securities and
Investment (CISI)

• Acquired knowledge about Financial Markets and an in-depth understanding about the market participants and their respective roles.
• Learnt about the key characteristics of the various asset classes which included bonds, equity, FX currencies, Derivatives, private
equity, hedge funds and loans and mortgages.
• Comprehended the importance of regulation and ethics in today’s investment framework.

Bloomberg Market Concepts

• Understood in-depth about the economic indicators that drive the investment decisions of investors.
• Acquired knowledge about the operations of the Fixed Income securities, especially the impact of inflation on the bond price, and the
relationship between the bond price and yield.
• Gained insights into the working of the Equity market and valuation structures, namely absolute valuation and relative valuation.

KEY SKILLS

Presentation, Research & Analysis, Strategic decision-making, Communication, Credit assessment and Forecasting.