RAGHU KUMAR
Hyderabad
Summary
Highly skilled banking professional with over 16 years of experience in retail credit operations, risk management, and team leadership. Expertise in retail liabilities management, portfolio growth strategies, and process automation. Proficient in developing and implementing strategic business plans, monitoring performance metrics, and building strong relationships across departments. Committed to delivering data-driven solutions, enhancing portfolio quality, and ensuring compliance with regulatory requirements.
Overview
16
16
years of professional experience
Work History
Manager, TML & CCPL – Secured & Un-Secured Products
Mashreq Global Services Pvt Limited
Bangalore
04.2021 - Current
- Managed the review and approval of companies for their addition/removal to the bank's list of approved companies, aligning with overall business objectives
- Conducted financial statement reviews for new companies, analyzing turnover and balance sheets for accurate onboarding
- Supported portfolio growth through risk-based segmentation and regular stress testing
- Provided data-driven insights through MIS reporting, contributing to product and policy enhancements
- Supervised the personal loans portfolio, ensuring compliance with approved lending parameters and suggesting policy adjustments for high-risk employers
- Played a key role in training new hires, fostering adherence to internal processes and compliance requirements
- Led automation of front-end credit processes, resulting in improved customer experience and productivity gains
- Collaborated with various departments, including marketing and compliance, for policy feedback and process improvement.
Team Leader – Secured & Un-Secured Products
Mashreq Bank
Dubai
10.2014 - 03.2018
- Supervised credit review functions for retail banking products, ensuring quality of underwriting decisions and adherence to product program guidelines
- Led automation initiatives, including preparing UAT scripts and recommending process enhancements to minimize manual intervention
- Developed and trained team members, fostering a culture of compliance and quality in credit processing
- Monitored and analyzed retail credit applications, ensuring regulatory compliance and timely processing
- Managed vendor payments and reconciliations, including BV, AECB, and UAEFTS, to maintain smooth operations.
Senior Processor (Retail Credit Operations) – Home Loans & Auto Loans
Mashreq Bank
Dubai
04.2008 - 07.2014
- Processed end-to-end disbursement of home loan cases, ensuring compliance with all mandatory document requirements
- Managed the issuance of In-Principle and Final Offer Letters, coordinating with relationship officers to resolve discrepancies
- Maintained comprehensive MIS for home loan inflow, outflow, and disbursed cases, facilitating effective portfolio management
- Participated in local management decisions to minimize financial exposure and drive business growth
- Regularly reviewed and processed auto loan credit applications, enhancing portfolio quality through diligent risk assessment.
Education
Master of Business Administration (MBA) -
Satavahana University
IndiaBachelor of Commerce (B.Com) -
Dravidian University
IndiaSkills
- Retail Liabilities Management
- Risk Assessment & Compliance
- Portfolio Growth & Analysis
- Business Strategy Development
- Policy Formulation & Implementation
- Team Building & Staff Training
- Data-Driven Decision-Making
- Process Automation & MIS Reporting
- Strong understanding of retail liabilities products
- Proficiency in MS Office, web content, and analytics tools
- Excellent communication and relationship-building skills
- Experience in developing strategic business plans
- Managing portfolios
- Conducting competitor intelligence
Personal Information
- Nationality: Indian
- Marital Status: Married
Languages
- Telugu (Native)
- English (Fluent)
- Hindi (Fluent)
References
Available upon request
Accomplishments
- Achieved Silver star certificate in 2015.
- Achieved gold star certificate in 2016.
- Mashreq Excellence Award in 2015.
Timeline
Manager, TML & CCPL – Secured & Un-Secured Products
Mashreq Global Services Pvt Limited
04.2021 - Current
Team Leader – Secured & Un-Secured Products
Mashreq Bank
10.2014 - 03.2018
Senior Processor (Retail Credit Operations) – Home Loans & Auto Loans
Mashreq Bank
04.2008 - 07.2014
Master of Business Administration (MBA) -
Satavahana University
Bachelor of Commerce (B.Com) -
Dravidian University
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