Headline

Senior Credit Officer | Credit Risk & Debt Management | Loan Processing & Credit Assessment | Banking Compliance & Risk Control | Financial Analysis & Reporting | Customer Credit & Debt Recovery

About

A highly skilled and results-driven Senior Credit Officer with over 7 years of experience in credit control, risk management, and financial operations within the banking sector. My expertise lies in developing and implementing strategic credit policies, minimizing financial risks, and ensuring compliance with banking regulations to protect corporate assets and maintain healthy cash flows. I specialize in credit rating analysis, loan underwriting, and debt recovery strategies that optimize business operations while securing customer relationships. My proficiency in financial reporting, credit history database management, and repayment structuring has led to enhanced operational efficiency and profitability. Additionally, I have a deep understanding of syndicated loans, project finance, and shipping & logistics finance, making me adept at handling high-value financial transactions. As a dynamic professional, I thrive in fast-paced financial environments, leveraging my analytical mindset to identify risk factors, conduct due diligence, and provide actionable insights for decision-making. I am passionate about optimizing credit processes, training teams, and implementing workflow automation to drive performance improvements and regulatory compliance.

Location

Abu Dhabi Emirate

Work experience

Senior officer process managemnet at First Abu Dhabi Bank (FAB), Jan 2018 - Present · 8 yrs 6 mos, Abu Dhabi, United Arab Emirates, - Credit risk management, customer financial assessments, and credit limit adjustments to ensure regulatory compliance and minimize financial exposure. - Loan processing, application evaluations, and debt structuring to improve repayment efficiency and enhance client credibility. - Credit scoring models, risk assessment tools, and financial reporting to provide data-driven insights for lending decisions. - Debt recovery strategies, delinquency tracking, and overdue account reconciliation to optimize collection rates and minimize non-performing loans. - Regulatory compliance enforcement, banking policy implementation, and internal auditing to maintain industry standards and operational excellence. - Customer engagement, financial consultation, and repayment strategy planning to foster long-term relationships and client retention.

Sales Associate at SL Nano Space Technology, Mar 2015 - Jul 2017 · 2 yrs 5 mos, India, - Customer acquisition, lead generation, and consultative sales strategies to achieve and exceed sales targets. - Product demonstrations, competitive market analysis, and pricing strategy implementation to enhance market penetration and sales performance. - Customer relationship management, negotiation, and personalized sales solutions to drive repeat business and customer loyalty. - Revenue growth strategies, sales pipeline development, and promotional campaign execution to optimize sales conversion rates. - Team training, mentorship, and sales coaching to enhance staff capabilities and business productivity. - Market research, competitor analysis, and innovative selling techniques to establish a strong brand presence in the industry.

Education

2017, Bachelor of commerce, Osmania University

Diploma of Higher Education, Civics, Economics, Commerce, Ms junior college