Summary
Overview
Work History
Education
Skills
Certification
Languages
Timeline
Generic
Riyaazuddien Mohammad

Riyaazuddien Mohammad

Pune

Summary

Dynamic professional with extensive experience at UCO Bank, excelling in digital banking and credit management. Proven track record in driving a 20% revenue increase through innovative strategies and strong relationship building. Expertise in IT infrastructure management and compliance, complemented by exceptional project management skills. Committed to delivering results and enhancing customer experiences.

Overview

16
16
years of professional experience
1
1
Certification

Work History

Digital Nodal Officer in Assets & Liabilities

UCO B
Pune
08.2017 - Current
  • Developed and executed digital banking strategies to increase in portfolio in Digital lending products i.e., Pre Qualified Personal Loans, Cash Credit Renewals, GST Smart Finance, MSME Smart Finance, Pre Qualified Vehicle Loans, Pension Loans, Mudra Loans (Shishu/Kishore/Tarun)
  • Managed diverse Digital channels (Mobile banking, Whatsapp Banking, Internet banking, UPI, Merchant QR, Sound Box, POS, Debit Cards etc.)
  • Oversaw inventory management, ensuring accurate tracking of supplies and resources.
  • Coordinated with IT, operations, and business teams to ensure seamless digital services.
  • Collaborated with fintech companies and start-ups for innovative solutions.
  • Ensured compliance with RBI guidelines and digital banking regulations.
  • Trained staff on digital banking products and services also conducted customer outreach and education programs for digital literacy.
  • Managed and maintained IT infrastructure including hardware, software, and network systems.
  • Ensured uptime and availability of banking applications, ATM, and online services.
  • Implemented and supported Core Banking Solution (CBS), Finacle.
  • Coordinated with IT vendors, service providers, and internal stakeholders.
  • Managed IT budget, resources, and vendor relationships.
  • Developed and implemented IT policies, procedures, and disaster recovery plans.
  • Trained staff on IT systems, security, and best practices.
  • Collaborated with audit teams to ensure compliance with RBI guidelines and IT security standards.
  • Maintained records and documentation to support compliance with regulatory standards.
  • Participated in regular meetings with upper management regarding progress updates on current initiatives.
  • Represented the organization at external events and conferences.

Credit Manager & Assistant Branch Manager

UCO Bank
Hyderabad
10.2009 - 07.2017
  • Directed daily operations of the branch, including customer service, human resources, sales and marketing activities.
  • Developed and implemented credit policies and procedures to minimize risk and maximize revenue.
  • Analyzed financial statements, credit reports and other data to assess customer creditworthiness.
  • Managed and monitored credit portfolios, identifying areas for improvement and implementing corrective actions.
  • Handled diverse type of loans in Retail, MSME and Agriculture, including Home loan, Mortgage loan, Car loan, Personal loan, Education loan, Pension loan, Gold loan, CC/OD limit, Business loan, Mudra loan, Government Sponsored loans etc also the Non Fund based i.e., Bank Guarantees, LC Bills lodging, discounting and negotiation.
  • Conducted site visits, interviews, and due diligence to evaluate loan applications.
  • Prepared internal and regulatory financial reports, balance sheets and income statements.
  • Developed strategic plans for day-to-day financial operations.
  • Resolved customer complaints promptly and efficiently while ensuring excellent customer service standards.
  • Ensured compliance with regulatory requirements, internal policies, and security procedures.
  • Grew branch revenue by 20% year-over-year through effective marketing strategies.
  • Reduced operational costs by 25% through process optimization and cost-cutting measures.
  • Boosted customer base, acquiring new customers and identifying needs to deliver relevant products.
  • Handled various recovery measures, including SARFAESI, Lok Adalat cases, write-offs, onetime settlements, DRT cases and attended court hearings related to collection cases as needed.

Education

Diploma - Computer Applications

CMC Computer Education
Visakhapatnam
05.2008

Bachelor of Science - Electronics And Communications Engineering

Avanti Institute of Engineering & Technology, JNTU
Visakhapatnam
04.2006

Skills

  • Digital Banking platforms(Mobile,Whatsapp, Tab, Internet, UPI, POS etc)
  • Data Analysis and visualization
  • IT Infrastructure Management (Hardware, Software and Network)
  • Banking software (CBS, Finacle etc)
  • IT Security and Risk Management
  • Compliance and Regulatory requirements (RBI, IT Act)
  • Project Management and Coordination
  • Vendor Management and relationship building
  • Quick learner
  • Loan origination, underwriting and portfolio management
  • Credit Analysis and Risk assessment
  • Financial Statement Analysis and modeling
  • Banking Operations and Management
  • Relationship Building and Management
  • Account Management
  • Team Leadership
  • KYC / AML
  • Business Development and Cross selling
  • Written and Verbal Communication
  • Digital Lending
  • MS Office

Certification

  • National Institute of Bank Management (NIBM), Pune
  • Certification: Branch Managers Credit Training Certification

Languages

English: C2 Proficient, Hindi: C2 Proficient, Telugu: C2 Proficient

Timeline

Digital Nodal Officer in Assets & Liabilities

UCO B
08.2017 - Current

Credit Manager & Assistant Branch Manager

UCO Bank
10.2009 - 07.2017

Diploma - Computer Applications

CMC Computer Education

Bachelor of Science - Electronics And Communications Engineering

Avanti Institute of Engineering & Technology, JNTU

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Riyaazuddien Mohammad