AZIZ AHMED
DIBRUGARH
Summary
Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
8
8
years of professional experience
Work History
Credit Manager
BAJAJ FINANCE LTD
Sadiya
12.2021 - Current
- Underwriting Salaried Loan, Professional Loan, Prospect Business Loans.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Evaluated complex customer profiles using financial statements, credit reports, and industry data to make informed lending decisions.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
Operations Executive
PRAMERICA LIFE INSURANCE CO LTD
DIBRUGARH
12.2019 - 11.2021
- Handling all operational works like Policy Issuance, Fresh policy QC, Customer Services like loan processing, death claim processing & other customer services.
- Applied excellent problem-solving, process development, and strategic implementation skills to lead and support all areas of operations.
- Oversaw daily operations activities, ensuring smooth functioning across all departments while maintaining high-quality standards.
- Enhanced customer satisfaction by effectively managing and resolving operational issues in a timely manner.
Senior Risk Officer
L&T Finance Ltd
Tinsukia
04.2018 - 11.2019
- Auditing MFI & Two wheeler loan Borrowers profile to identify Fraudulent activities make by Employees & Customers as well while providing the loan. Also we check the entire branch Audit.
- Informed senior leadership about significant changes in the organization''s risk profile, enabling prompt action when necessary.
- Enhanced risk detection capabilities through the development of data-driven analytics tools.
Credit Officer
HDFC BANK LIMITED
DIBRUGARH
10.2016 - 04.2018
- Underwriting & Field inspection of SLI Loan like KCC Loan by evaluating Farming production and MFI loans as JLG & SHG.
- Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Enhanced credit decision-making by conducting comprehensive financial analysis and risk assessments.
Education
B.COM - Accounting And Finance
DIBRUGARH UNIVERSITY
Dibrugarh06.2015
Skills
- Credit Reports
- Research and due diligence
- Fraud understanding
- Investigations
- Risk Assessments
- Fraud knowledge
- Credit analysis
- Risk Analysis
- Portfolio Management
- Credit Scoring
Achievements
- Awarded KUDOS Certificate in June'22.
- Promoted to Assistant Credit Manager to Senior Credit Manager on Apr'23.
- Awarded as PRODIGY Certified Credit Manager on Feb'24.
- Recently Awarded by BFL HERO's Certificate in July'24.
Profiles
- Father's Name - Monib Ullah
- Date of birth - 24-02-1994
- Marital Status- Single
- Religion - Islam
- Address - Harabari Konwar Gaon, Mohanbari, Dibrugarh, Assam, PIN-786012
Timeline
Credit Manager
BAJAJ FINANCE LTD
12.2021 - Current
Operations Executive
PRAMERICA LIFE INSURANCE CO LTD
12.2019 - 11.2021
Senior Risk Officer
L&T Finance Ltd
04.2018 - 11.2019
Credit Officer
HDFC BANK LIMITED
10.2016 - 04.2018
B.COM - Accounting And Finance
DIBRUGARH UNIVERSITY