Summary
Overview
Work History
Education
Skills
LANGUAGES
Additional Information
Timeline
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R MOHAMMED YASIR ARAFATH

Coimbatore

Summary

Experienced professional with a strong background in credit management and financial analysis at leading financial institutions. Skilled in conducting customer credit assessments, overseeing operations, and delivering exceptional customer service. Recognized for meticulous attention to detail and adept problem-solving abilities in financial transactions. Committed to making a positive impact on organizational success.

Overview

13
13
years of professional experience

Work History

Credit Relationship Manager

HDB Financial Services Ltd
07.2021 - Current
  • Company Overview: A financial services company focused on providing loans and financial solutions
  • Evaluated day-to-day login files to facilitate personal discussions.
  • Managed credit evaluations by engaging in personal discussions with clients.
  • Utilized PD to validate business assessment processes.
  • Executed thorough checks on legal and vetting documents.
  • Assessed effectiveness of customer repayment.
  • Ensured regular follow-ups for MOB cases 1-12 data collection.
  • Managed login file records and compiled data for MIS.
  • Held sales coaching sessions.
  • Provided comprehensive training programs for new hires, ensuring a strong understanding of company policies, procedures, and risk management practices.
  • Reduced delinquency rates with proactive monitoring and timely intervention strategies for at-risk clients.

Operation Executive

HDB Financial Services Ltd
07.2015 - 07.2021
  • Facilitated customer service for front-end visitors.
  • Oversaw banking operations and resolved customer service challenges.
  • Ensured accurate and timely financial record-keeping.
  • Reviewed collateral and KYC documents for compliance with disbursement requirements.
  • Achieved consistent full marks during audits.
  • Facilitated seamless loan processing and communication with COPS Team.
  • Managed various registers including Cash Vault, Cheque, Key Movement, and Receipt Book.

Operation Executive

Vistaar Finance Pvt Ltd
01.2015 - 04.2015
  • Company Overview: A financial services company providing loans and related financial products
  • Handled banking operations and addressed customer service concerns.
  • Efficiently managed customer payments and ensured timely bank deposits.
  • Prepared sanction letters and verified collateral documents.
  • Received exemplary marks from audit reviews.
  • Ensured error-free transmission to COPS Team.
  • Maintain registers like Cash Vault Reg, Cheque Reg, Key Movement Reg, Receipt Book Reg

Distributor Customer Services

Anand Agencies
01.2012 - 10.2014
  • Company Overview: A distribution agency for Amway India Enterprises
  • Provided support to front-end visitors in a professional manner.
  • Enter application form to create code number.
  • Ensured optimal stock levels of Amway products to meet customer needs.
  • Utilized RO to effectively manage customer service problems.

Education

Bachelors - Computer Science

NGM College
Coimbatore
04.2006

Hr Sec - Computer Science

Palaniammal Hr Sec School
Pollachi
06.2002

Skills

  • Mentoring and training
  • Policy implementation
  • Loan decision assessments
  • Collections actions
  • Expertise in Excel

LANGUAGES

Tamil Native
English Proficient

Additional Information

Parent Name : M H Rajkapoor & R Shakila Banu

Martial Status : Married

Language Known : Tamil and English

Timeline

Credit Relationship Manager

HDB Financial Services Ltd
07.2021 - Current

Operation Executive

HDB Financial Services Ltd
07.2015 - 07.2021

Operation Executive

Vistaar Finance Pvt Ltd
01.2015 - 04.2015

Distributor Customer Services

Anand Agencies
01.2012 - 10.2014

Bachelors - Computer Science

NGM College

Hr Sec - Computer Science

Palaniammal Hr Sec School

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R MOHAMMED YASIR ARAFATH