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Mohammed Muzammil Pasha
Senior Manager Credit Assessment
Bangalore
Summary
Seasoned Senior Manager with 12 years of commitment to ensuring quality, timely and cost-effective deliverables.
Forward-thinking Senior Manager adept at managing teams of 250 employees with 50 direct reports to accomplish challenging objectives. Imparts clear vision to guide cohesive, high-performing teams.
Overview
11
11
years of professional experience
5
5
years of post-secondary education
4
4
Languages
Work History
Senior Manager, Credit Assessment
Perfios Software Solutions Pvt Ltd
Bangalore, KARNATAKA
01.2018 - Current
- Implemented productivity benchmarks across all departments to maximize company revenue.
- Maintained frequent interaction with senior management to measure goal achievement and determine areas of improvement.
- Analyzed revenue distribution, bank reconciliations and account analysis documents to execute month-end closing.
- Implemented and developed operational standards, policies and procedures.
- Developed proposals and presentations for internal and external audiences.
- Planned, developed and pursued active customer call program to attract new banking relationships.
- Reviewed and analyzed reports, records and directives to obtain data required for planning department activities.
- Identified cost improvement changes and cost savings plans to increase company savings.
- Conducted performance evaluations, compensations and hiring to maintain appropriate staffing requirements.
- Examined quarterly financials to determine business operating capacity.
- Supported other account officers in efforts to obtain new business and retain existing bank relationships.
- Provided strong leadership to enhance team productivity and morale.
- Held monthly meetings to create business plans and workshops to drive successful business.
- Analyzed financial data to determine if loan met acceptable risk standards.
- Developed and implemented new filing systems to improve organizational efficiency and productivity.
- Managed a Team of over 250 Assessors.
Senior Credit Officer
ANZ
Bangalore
01.2013 - 11.2017
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Checked appraisals, title information and insurance documents for each property.
- Optimized credit approval and collection processes, improving operational efficiencies by over 100%.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Organized and finalized loan applications for underwriter review.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Controlled credit exposure by providing financial order management support to minimize risk and obtain timely payment.
- Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
- Performed credit reviews on corporations to assess financial conditions.
- Made decisions and recommendations about extending lines of credit.
- Conducted presentations to upper management and executive teams for loan recommendations.
- Reviewed customer files on regular basis to make sure receivables were in sound condition.
- Complied with internal controls and government regulations.
- Minimized accounts receivable collections and reconciled customer billings and statements.
- Improved understanding of financial statements, which helped in assessing risk.
AML Compliance Analyst
JP Morgan Chase Pvt Ltd
Bangalore
12.2011 - 12.2011
- Partnered with fraud manager to research and investigate cases.
- Communicated with compliance manager to thwart potential money laundering or terrorist financing.
- Read fraud and security risk management-related articles and white papers and took part in webinars to keep abreast of changes in fraud and security landscape.
- Interacted with law enforcement agencies, regulators and financial institutions to coordinate investigations related to fraudulent activities.
- Investigated fraud referrals and performed research to minimize risk and resolve inquiries.
- Identified threats, vulnerabilities and suspicious behavior patterns to recommend mitigation measures.
- Documented research findings to support risk-based decision-making and resolution to escalated fraud incidents.
- Directed and participated in formal and informal meetings with bank directors, trustees and consultants to gather information and discuss findings.
Accounts Payable Analyst
amazon.com
Hyderabad
07.2010 - 11.2011
- Received vendor invoices, validated for accuracy and routed for approval to prepare for payment processing.
- Generated financial statements to analyze utility cost, repair and maintenance expenses.
- Maintained database to monitor [Number] accounts payable for corporate customers and vendors.
- Identified opportunities and risks in accounts payable process to improve standard operating procedures.
- Processed daily invoices, check requests and wire transfers of foreign and domestic currency.
- Investigated inquiries relating to status of accounts.
- Provided strong customer service and support to prevent invoice and expense issues.
- Handled sensitive and confidential documents and information to maintain corporate reputation.
Education
BBA - Finance And Marketing
Mountain View College of Management Studies
Chikmagalore 06.2005 - 07.2008
MBA - Accounting And Finance
CMRIT Institute If Management Studies
Bangalore 09.2008 - 06.2010
Skills
Troubleshooting and problem resolution
undefinedAccomplishments
- Supervised team of 250 staff members.
- Resolved product issue through consumer testing.
Interests
Movies
Social Media
Cycling
Badminton
Timeline
Senior Manager, Credit Assessment
Perfios Software Solutions Pvt Ltd
01.2018 - Current
Senior Credit Officer
ANZ
01.2013 - 11.2017
AML Compliance Analyst
JP Morgan Chase Pvt Ltd
12.2011 - 12.2011
Accounts Payable Analyst
amazon.com
07.2010 - 11.2011
MBA - Accounting And Finance
CMRIT Institute If Management Studies
09.2008 - 06.2010
BBA - Finance And Marketing
Mountain View College of Management Studies
06.2005 - 07.2008
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