About
Credit risk professional with 10+ years of experience across commercial banking and corporate credit, including credit analysis, underwriting, rating validation, portfolio monitoring, and receivables management. Brings Moody's Analytics Commercial Credit certification, CAIIB, and an MBA in Finance & HR Management, with experience in both banking and a diversified GCC business group.
Experience
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Credit Risk OfficerAl Mulla Group (Almulla Industries & Engineering) · KuwaitApr 2022 – Apr 2024
Analysed corporate customers' financial statements, cash flows, liquidity and leverage to assess creditworthiness and recommend credit limits, renewals and amendments. Ran periodic credit reviews, monitored customer risk profiles, tracked receivables portfolio performance, reviewed credit documentation, produced MIS and management presentations, contributed to FIMS-to-SAP ERP migration, and provided HR support with SAP-based reporting and employee records.
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Branch Operations – Vadodara BranchDhanlaxmi Bank Ltd · Vadodara2015 – 2021
Managed loan origination across mortgage, education and personal loans, processed branch credit proposals, conducted branch inspections and advised customers on financial products.
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Regional Office – Credit ProcessingDhanlaxmi Bank Ltd · India2013 – 2015
Processed and reviewed proposals for Regional and Corporate Credit Committees, analysed financials and supporting documents, prepared credit memorandums and recommendations, and ensured policy and regulatory compliance.
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Risk Management Department – Credit RiskDhanlaxmi Bank Ltd · India2011 – 2013
Carried out credit risk assessments, rating validation, portfolio monitoring, repayment capacity evaluation and rating migration analysis; prepared reports for senior management and risk committees.
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Assistant ManagerDhanlaxmi Bank Ltd · India2010 – 2021
Handled branch operations, credit processing, risk management and market risk responsibilities across multiple internal assignments. Worked on loan origination, proposal review, credit memos, rating validation, portfolio monitoring, liquidity reporting, market risk capital charges, committee reporting and ALM policy updates.
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Risk Management Department – Market RiskDhanlaxmi Bank Ltd · India2010 – 2011
Prepared daily liquidity reports, calculated market risk capital charges and liquidity ratios, developed Risk Management Committee reports and board notes, and revised the Asset Liability Management Policy.
Education
- 2009
- 2007
Skills
Tools / apps / platforms
Languages
Courses & certifications
- System security training · Al Mulla Group · 2022
- Certification in Commercial Credit · Moody's Analytics · 2021
- On-the-job credit management training · Dhanlaxmi Bank · 2013
⚽ Extracurricular activities
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Singer
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Dancer
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Actor
🎯 Hobbies & interests
- Dancing
- singing
- acting