Shoeb Ahmad
Banker
Kanpur
Summary
Dynamic Branch Credit Manager at Punjab and Sind Bank with a proven track record in loan underwriting and team management. Successfully reduced delinquency rates and enhanced profitability through strategic credit portfolio optimization. Skilled in credit analysis and budget planning, driving business expansion by leveraging market insights and competitor analysis.
Experienced with credit assessment, risk management, and branch operations. Utilizes strategic decision-making and leadership to drive efficient credit processes. Knowledge of customer relations and team collaboration.
Overview
12
12
years of professional experience
Work History
Branch Credit Manager
Punjab and Sind Bank
04.2013 - Current
- Reduced delinquency rates with proactive monitoring and timely intervention strategies for at-risk clients.
- Enhanced branch profitability by optimizing the credit portfolio mix and mitigating potential risks within lending activities.
- Reviewed and approved large credit applications, exercising sound judgment in line with company policies and risk appetite.
- Wrote reports detailing branch activities.
- Designed comprehensive reports detailing portfolio performance metrics and recommendations for senior management review during strategic planning sessions.
- Identified opportunities for business expansion through careful analysis of market trends and competitor offerings within the region''s commercial lending landscape.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
Education
No Degree - PDGBM Finance
School Of Management Science
Lucknow, India 04.2001 -
Bachelor of Commerce - Commerce
Allahabad University
Allahabad 04.2001 -
Skills
Loan underwriting
Team management
Budget planning
Sales strategies
Collateral evaluation
Credit analysis
Timeline
Branch Credit Manager
Punjab and Sind Bank
04.2013 - Current
No Degree - PDGBM Finance
School Of Management Science
04.2001 -
Bachelor of Commerce - Commerce
Allahabad University
04.2001 -
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