Mohamed Yusuf M
Credit Policy And Category Management
Chennai
Summary
Proactive manager with demonstrated leadership abilities, strategic planning expertise and problem-solving acumen. Assists senior managers with accomplishing demanding targets by encouraging staff and coordinating resources. Methodical and well-organized in optimizing coverage to meet operational demands.
Overview
9
9
years of professional experience
5
5
years of post-secondary education
Work History
Assistant Manager - Credit Card & Personal Loans
Bankbazaar.com
11.2018 - Current
- Managing the team which does end to end implementation of banks credit policy into system by coordinating with coding and TI onsite teams
- Played major role in digitalization through process transformation initiatives to disrupt the digital lending space with technological innovation in contactless and paperless onboarding and processing of unsecured credit products
- Key accountability on business as a category management team for Credit Cards and Loans
- I am responsible for understanding partner business objectives and then working with cross-functional teams (Product Development, Technology, Marketing,vOperations, and Legalvto deliver on the growth strategy
- Improving metrics by closely working with cross functional teams such as Customer Service, Analytics & Business operations) by creating SOPs, building models and setting up process on reappeal mechanisms
Dealer Business Management Consultant
Urbanscience India Private limited
09.2016 - 10.2018
- Analyzing the business performance issues of dealerships network of Honda Cars India through comparison of revenue and financial data against the clusters of dealerships of same size, city, region and better performing ones in the network
- Coordinating with dealership’s sales, service & planning team to strategize action plans for attaining departmental efficiency and improving overall returns of the dealership.
- Adopt financial modeling and Benchmarking exercises to highlight dealers with critical metrics basis their business and financial performance.
- Consulting dealers to improve profitability by identifying the opportunity areas using PDCA techniques.
- Periodical visits to dealerships for Data validation & Profitability Improvement Consultation. Provide insight, recommendation and comment based on in-depth financial and performance analysis.
Sr. Rating Analyst - MCG
Crisil Ltd
12.2014 - 09.2016
- Overall Risk Assessment of mid corporate companies by analyzing their Business, Financial & liquidity Profile.
- Evaluate risk profile and cash flow for mid corporates companies across industries such as Textiles, Automobile, Education, Healthcare, Real Estate, Steel, Hospitality, Pharmaceuticals etc
- Assign ratings and publish rationales basis the recommendation shared by rating committee and maintain the portfolio for doing periodical reviews.
- Keep updated on developments in industry trends and economic policies to effectively assess the short term and long term impact on a sector.
Credit Analyst
Flextronics
05.2013 - 12.2014
- Assessed credit risk and analyzed financial statements.
- Controlled credit exposure by providing financial order management support to minimize risk and obtain timely payment.
- Performed credit reviews on customers to assess financial conditions.
Education
MBA - Finance
Madras University
Chennai 04.2011 - 03.2013
B.Com - Finance
New College
06.2008 - 03.2011
Skills
Credit Analysis
Personal Info
- Father’s Name : A.R. Mohamed Meera
- Date of birth : 21st August 1991
- Language known : English (R, W, S), Tamil (R, W, S), Hindi (R, W) and Arabic (R).
- Hobbies : Exploring new places & Spiritual Activities.
- Native : Pudukkottai, Tamil Nadu.
Timeline
Assistant Manager - Credit Card & Personal Loans
Bankbazaar.com
11.2018 - Current
Dealer Business Management Consultant
Urbanscience India Private limited
09.2016 - 10.2018
Sr. Rating Analyst - MCG
Crisil Ltd
12.2014 - 09.2016
Credit Analyst
Flextronics
05.2013 - 12.2014
MBA - Finance
Madras University
04.2011 - 03.2013
B.Com - Finance
New College
06.2008 - 03.2011
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