Rini Jacob

Experience

• 

  Serco

  Feb 2012 - May 2013

  Analyst

  Google as our client and Zagat being it's recent acquisition- following were the responsibilities of an Analyst:Data collection using CMS through phone calls and emails, writing reviews about properties( restaurant, shopping venues, hotels and nightlife) in USA, UK, Dubai and Australia, extensive research on individual properties and assisting reviewers and rating agencies with data needed.

• 

  HSBC

  Apr 2014 - Jun 2014

  Intern

  Stock analysis, keeping a track of company's mutual fund performance, comparing HSBC mutual fund with it's competitors- focus being on Mid Cap Equity funds, spreading awareness among the HSBC preferred distribution channel and followed a new product launch during the period

• 

  Magma Fincorp Ltd.

  Jul 2015 - Apr 2017

  Area Credit Manager

  Area credit manager analyzes the creditworthiness of the potential customers adhering to credit policy along with periodic reviews of the existing customers.

• 

  ANZ

  May 2017 - Sept 2019

  Senior Credit Analyst

  • Pre-assessed the incoming business loan application and determined the viability of the same in one go to not cross the TAT• Fundamental analysis of the company by evaluating the financials documents provided• Both established and greenfield start up business applications were assessed and approved or declined accordingly• Sought necessary documents for accurate assessment however keeping customer service and experience in mind• Credit assessment of the business loan request conducted following 4 C’s, Character, Capital, Collateral and Capacity• Researching and Evaluating creditworthiness of the client sand placing covenants accordingly• Approving or declining the lending request based on 4 Cs, credibility, potential revenues and losses • Negotiate loan terms with business development team to safeguard the bank and customer against default • Integral part of the business analysis team to replace obsolete loan assessment platform to a new and developed platform, hence automating few of the processes• Part of PPSR project to streamline the registration of the PPSR on the credit file of the customer on the government website Show less

• 

  ICICI Bank

  Sept 2019 - Apr 2020

  Assistant Relationship Manager

  • Deepen existing relationship with multinational corporates by penetrating untouched avenues in the organization to increase the revenue of the organization• Identifying and establishing mutually beneficial and rewarding relationship between prospective corporate customer and the bank• Contacting, arranging and conducting meetings with leadership team of various multinational corporates to establish a relationship with them • Experience in pitching various banking products like commercial banking products, treasury products, payment solutions etc. and simultaneously understand the requirements of the customers, if any• Preparing and presenting the credit appraisal note to the senior management and risk unit using market research, customer due diligence, credit rating, competitor analysis, credit analysis.• Preparing and understanding the financial and business model of the potential customer or for new facilities for existing clients• Actively responding to various queries and requirements of the customer on priority• Documentation of the new facility application and attending to pending compliances of existing clients keeping crucial timelines in mind• Monitoring of the covenants of the facilities provided to several clients and ascertaining to report any EWS and making sure that income to the bank has been received while the client enjoys the facility• Attended various internal training on fintech and its role in banking Show less

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  MPOWER Financing

  Aug 2020 - now

  • Quality Operations Associate Manager

    Aug 2024 - now

  • Associate Underwriting Manager

    Jul 2022 - Jul 2024

  • Team Lead - Underwriting

    Sept 2021 - Jun 2022

  • Senior Underwriting Analyst

    Aug 2020 - Sept 2021