Zuhaib Javed

Credit Part: As In-charge Credit:

· Conducted comprehensive credit analysis for SME, retail, corporate, agricultural and Govt Sponsored clients by evaluating financial statements, credit scores, and repayment capacity.

· Conducted market analysis that informed lending strategies and improved portfolio performance.

· Prepared detailed credit appraisals and recommendations for loan approvals aligned with bank policies.

· Monitored the credit portfolio to identify and address potential risks, ensuring optimal asset quality.

· Collaborated with relationship managers and underwriters to structure credit facilities.

· Ensured compliance with RBI guidelines and internal credit policies.

· Conduct creditworthiness assessments using CIBIL/CRIF reports and internal risk scoring models.

· Increased credit limit approvals across banking credit products which resulted in doubling the revenue of the branch.

· Contributed to reducing non-performing assets (NPAs) through diligent risk assessment and timely interventions which resulted in keeping slippages to zero.

· Reviewed loan applications and performed financial ratio analyses to determine client creditworthiness.

· Maintained strong relationships with customers to support retention and cross-selling opportunities.

· Provided regular portfolio reports to senior management and suggested strategic actions.

· Achieved 100% customer satisfaction rate by effectively managing credit inquiries and disputes.

· Have led team of 4 credit analysts and hold niche people management experience covering training, mentoring, delegation, function management and projects.

· Managed regulatory and statutory audit and its compliance.

· Handled credit portfolio of Rs.150.00 Crores and Rs.80.00 Crores at my last two postings.

Operations Part: As In-charge Operations:

· Oversee day-to-day branch operations, ensuring compliance with RBI guidelines and internal policies.

· Manage cash operations, ATM reconciliation, and vault security as per regulatory norms.

· Supervise customer service delivery, ensuring prompt resolution of complaints and queries.

· Monitor branch performance KPIs, including CASA growth, service quality, and operational efficiency.

· Implement process improvements to optimize workflow and reduce operational risks.

· Conduct internal audits and ensure adherence to KYC/AML guidelines.

· Train and mentor staff on banking policies, technology, and customer service excellence.

· Coordinated with central operations and IT teams for seamless banking transactions.

· Ensured compliance with fraud prevention measures and risk management frameworks.

• Assessed credit risk and analyzed financial statements.
• Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
• Analyzed credit scores to determine borrowers' creditworthiness and by utilizing internal risk scoring models.
• Attended credit-related training and conferences to stay informed about industry trends and developments.

· Reduced default rates by implementing early warning signals and risk management frameworks.

· Collaborated with the collections team to assess delinquent accounts and suggest recovery strategies.

· Monitored loan accounts to ensure timely repayments and minimize NPAs (Non-Performing Assets).

· Supported the implementation of risk management strategies to enhance portfolio quality.

· Assisted in regulatory and statutory audits.

· Project Management across bank both for Life & General Insurance segment.

· Handling of RBI and IRDA audits related to insurance sector of the bank.

· Preparation of Profit & Loss statement for the insurance sector of the bank.

· Analysis & Disbursement of Insurance Income across bank through Finacle bank software.

· Preparation of annual Business plan for the bank

· Setting of annual targets and supervision of monthly insurance business achievements across the bank

· Handling of service issues

· Relationship Management with both (Life & General) Multinational insurers.

· New product analysis and subsequent approval handling for the bank

· Branding for both insurers across the bank

Approval and handling of incentive programs across the bank.

• Supervised day-to-day branch banking operations to meet performance, quality and service expectations.
• Improved customer satisfaction by addressing and resolving complaints promptly.
• Developed strong working relationships with staff, fostering a positive work environment.
• Promoted teamwork within the workplace by encouraging collaboration among staff members on various project tasks.
  • Handled Cash Management
  • Cross sell and up-sell of various third party products.
  • Processing of loan requests, fund transfers, KYC/AML etc

Recruited a team of financial advisors.
• Build a sound team of advisors through proper training, in depth product knowledge and reward system.
• Met weekly and monthly sales targets of the product portfolio set by the company.
• Maintained existing customer accounts, portfolios and sourced new customers.