Deep understanding of portfolios, entailing credit risk, market risk, liquidity risk, operational risk and their stress testing to monitor and analyse the same
? Sound knowledge of SAP, calculating risk scores, recommending commercial credit limits, determining credit terms, capturing relevant customer data into applicable system and processing credit order releases
? Hands-on experience in handling credit granting process, including the consistent application of a credit policy, periodic credit reviews of existing customers, and the assessment of the creditworthiness of potential customers, with the goal of optimizing the mix of company sales and bad debt losses
? Proficient in developing & standardizing written policy documentation related to the credit and customer set up process
? Skilled in making credit decisions within assigned authority and planning/organizing activities of credit / customer set up team to ensure file reviews are completed timely / accurately
? Good understanding of credit reporting agencies and expertise in reading / interpreting financial statements for the purpose of underwriting credit
? A team player with excellent communication, interpersonal, people management, relationship management, analytical & problem solving skills Maintaining the corporate credit policy and recommending changes in the same to senior management.
Creating a credit scoring model and managing customer credit files.
Monitoring the credit granting and updating process.
Accepting or rejecting the staff's credit recommendations.
Investigating the largest customer credit applications and visiting the largest customers to establish relations.
Monitoring periodic credit reviews and deductions being taken by customers.
Managing the application of late fees and the corporate financing program.
Negotiating documentation and payment terms with customers to ensure transactions are properly secured.
Resolving credit issues with customers.
CAREER CHRONOLOGY & ACHIEVEMENTS
Credit Risk Specialist
GE Global Operations Since Jan’17
________________________________________
Responsibilities:
• Accountable for underwriting project finance risk assessments for Consortium Partners and Customers across the GE Power, Water, Renewable Energy and Healthcare Businesses and recommending risk mitigation strategies for the projects
• Monitoring the development of the Global Operations Risk Model and Credit Limit Calculations
• Offering deep dive customer analytics, entailing multi-source financial ratings matrix, company background, financial statement analysis, global AR exposure, credit limit recommendation, SWOT analysis, industry performance and summary of key events
• Providing One Credit Commercial On-boarding Solution, linking KYC, Credit, Terms, ERP, SAP Set Up and Order Release, driving reduced hand offs and improved cycle time
• Responsible for navigating effectively within multiple credit tools, receivable systems and internal processes to deliver accurate and timely credit risk recommendations (CREDITRISKMONITOR, Moody’s, eRAM, Salesforce, GECARS, Dun & Bradstreet, Bureau Van Djik, etc.)
Market Risk Analyst
Bank of New York Mellon (Hedgemark) May’14-Jan’17
________________________________________
Responsibilities:
• Performed valuation, VaR and stress testing for the full spectrum of security types across more standard asset classes, entailed equities, bonds and listed derivatives
• Interacted with the Senior New York Risk Team on a daily basis-be an extension of the NY Risk & Client Service Team
EDUCATION & OTHER CREDENTIALS
• MBA from Amrita School of Business, Amrita Vishwa Vidyapeetham in 2014 with 75%
• BBA from Girideepam Institute of Advanced Learning, Kottayam, M G University in 2012 with 81.25%
• +2 from St. Stephens H.S.S, Pathanapuram, State Board in 2009 with 80%
Internship:
Topic: A Study on SME Financing in Dhanlaxmi Bank Ltd for the Year 2009-10 to 2011-12
Organisation: Dhanlaxmi Bank, Zonal office, Ernakulam
Period: Apr’13-Jun’13
Highlights:
• The study was conducted to identify the credit flows in SME sector financing by Dhanlaxmi Bank and to find out different financial products offered to SME customers
PERSONAL DETAILS
Date of Birth: 14th May 1991
Nationality: Indian
Marital Status: Single
Languages Known: English, Hindi, Tamil and Malayalam
________________________________________