SARAVANAN M G
Senior Credit Analyst
Madurai
Summary
Accomplished Senior Credit Analyst with a proven track record at MASHREQ GLOBAL SERVICES PRIVATE LIMITED, specializing in Underwriting, Credit appraisal and process improvement, coupled with exceptional team management and communication skills. Achieved significant SLA compliance, enhancing loan disbursal efficiency and customer service quality.
Overview
16
16
years of professional experience
Work History
Senior Credit Analyst
MASHREQ GLOBAL SERVICES PRIVATE LIMITED
Bengaluru
04.2021 - Current
- Loan disbursal process: Provides support in monitoring loan disbursements to ensure compliance with bank regulations.
- Managing the daily BAU process, and timely allocation of cases to the team. Also, drive the disbursal team to attain 100% SLA.
- Handling escalations from different channels and finding the solution based on doing RCA (root cause analysis).
- Executing daily RCSA checks and Shariah compliance checks for disbursed cases.
- Handled UAT in the disbursal automation process, CPV automation process, company empanelment process, and business visit report process.
- MIS: Preparing EOD MI, month-end deferral cases tracking MI, and weekly STL tracking, aging MI.
- Underwriting: Gained extensive experience in underwriting retail asset products.
- Balance the need for loan volume growth with the equally important necessity of optimum underwriting quality to minimize risk while maximizing profitability
- Maintained meticulous attention to detail in underwriting retail asset products for expats and UAE nationals.
- Evaluated the financial strength of borrowers to determine risk and repayment capacity.
- Preparing the credit appraisal memorandum and presenting it to the credit committee for approval.
- Provide recommendations tied to the analysis and assessment of credit risk.
- Provides support in monitoring loan disbursements to ensure compliance with bank regulations.
- Company Empanelment Process: The leading company empanelment process for the bank defines the process and responsibilities of the sales force automation team unit to carry out the review and approval of companies for their subsequent addition or removal from the bank's list of approved companies.
- Business Visit Process: Managed the business visit process team and vendor management.
Credit Analyst
MASHREQ BANK
Dubai
08.2015 - 03.2021
- Leading company empanelment process for the bank: to define the process and responsibilities of the sales force automation team unit to carry out the review and approval of companies for their subsequent addition or removal from the bank's list of approved companies.
- To restrict and open companies for retail lending based on portfolio performance, with appropriate approvals from policy and credit managers.
- To minimize risk and avoid possible loss by proactive fraud detection.
- Assists in analyzing various tests within the product to explore segments for growth.
- Conduct a stress test of the portfolio and risk-based segmentation at regular intervals to monitor portfolio growth and direction.
- Generate appropriate management information systems (MIS) for the outcome of such studies.
- Support in the automation of credit policies and parameters.
- Automation would include preparing the complete test scripts for UAT at every required stage.
- Track and follow system change requests to meet changing business needs, improve risk management, and liaise with respective units as required.
- Conduct a thorough analysis of financial statements and an assessment of credit requests, including new requests, changed requests, refinancing, and annual due diligence.
- Provide recommendations tied to the analysis and assessment of credit risk.
- Present the analysis, findings, and recommendations to managers, especially the findings that involve a borrower's ability to repay.
- Provides support in monitoring loan disbursements to ensure compliance with bank regulations
- Keep up to date with the company's lending protocols
- Adhere to the credit policy and guidelines.
- Provided support and advice to senior management by outlining new business opportunities, consolidating current practices, and solidifying relationships with customers
- Collaborated with staff to implement new customer service initiatives to resolve issues, and exceed goals set by the team.
Senior Sales Coordinator
MASHREQ BANK
Dubai
04.2012 - 07.2015
- Analyzing and Processing applications of retail lending products for approval within TAT
- Exception Identification for eligibility, pricing and any deviations before processing
- Communicating Major deficiencies and policy violations to sales team and obtain proper recommendations
- Responsible for minimizing the reject and maximizing quality of application processed
- Maximizing the quality of the documentation and minimizing the Process TAT
- Handling and processing Direct Debit form of customers as per central Bank norms
Sales Coordinator
FIRST ABU DHABI BANK
India
01.2011 - 02.2012
- Handling Bank Acknowledgment for the cleared Pay orders as per agreed process
- Preparing and presenting weekly & daily MIS report through in-depth analysis & producing actionable information for the concerned department
- Responsible for Physical documents of the cases processed
Relationship Executive (Marketing)
IMAGE INFOTAINMENT LTD
India
08.2009 - 11.2010
- Lead Generation - Arranged before and after activities at trade shows.
- Liaised with marketing and communication teams to devise methods for standardization, design, and production of new marketing plans.
- Designed strategies for communications to reach target audiences.
- Organized and negotiated media (TV, radio, print, and digital) advertising.
- Assessed the company's profit-loss projections for return on investment.
Education
POST GRADUATE DIPLOMA -
RAI BUSINESS SCHOOL
Chennai, Tamil Nadu, India01.2009
Skills
- TEAM MANAGEMENT
- MULTI-TASK MANAGEMENT
- TIME MANAGEMNT
- PROCESS IMPROVEMENT
- CREATIVE PROBLE SOLVING
- CLIENT-FOCUSED
- KNOWLEDGE IN RISK ANALYSIS
- KNOWLEDGE OF INDUSTRY
- CUSTOMER SERVICE
- COMMUNICATIONS
- DOCUMENTATION AND ORGANIZATION SKILL
Personal Information
Nationality: Indian
Timeline
Senior Credit Analyst
MASHREQ GLOBAL SERVICES PRIVATE LIMITED
04.2021 - Current
Credit Analyst
MASHREQ BANK
08.2015 - 03.2021
Senior Sales Coordinator
MASHREQ BANK
04.2012 - 07.2015
Sales Coordinator
FIRST ABU DHABI BANK
01.2011 - 02.2012
Relationship Executive (Marketing)
IMAGE INFOTAINMENT LTD
08.2009 - 11.2010
POST GRADUATE DIPLOMA -
RAI BUSINESS SCHOOL
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