Abdul Malik

Experience

• 

  Citibank

  Jul 2005 - Sept 2021

  Proficient analyzing financial statements, assessing risk and evaluating credit worthiness.Evaluate customer profiles in line with credit policies and procedures.Ensure quality evaluation on all applications with the agreed TATSpecialized expertise associated with credit and financial analysis use of modeling and regression analysis to assess risk and project rates.Recommend amendments to existing credit policy and underwriting process, commensurate with market best practices.Review all documentation and recommendations before final determinations are rendered. Highlight deviations and make recommendations.Calculate and track positive and negative yield statistics, reporting findings to management.Recommend and implement initiative within the calendar year aimed at achieving error free credit appraisal as per agreed by the organization, enhanced operational efficiency, risk mitigation etc..Analyzed credit information in order to determine risk involved in lending money to customersBusiness Unit Compliance Officer. Show less Managing Field team and In house tele-calling team, presenting daily reports and MIS, reviewing the accounts, coordinating the visits, scheduling meetings with customers, Co-ordination with team. Communicating and motivating the team to achieve targets.Collecting on delinquent customers through various collection procedures i.e. calling customers by phone, making personal visits, dealing with operations department for presenting security cheques, filing police & civil cases for customer’s delinquency on their, Credit Card, Personal Loan, Salary Transfer loan, and Auto loan, thus ensuring a balance between Customer Satisfaction and Customer Attrition.Handling a portfolio of overdrawn accounts/PIL and overdue credit cards.Ensuring adequate follow up and coverage of all accounts with the primary intentions of minimizing risk and contributing to the organization’s profit.Tracing non contactable and skip customers using various search techniques. Adhering to corporate protocol, privacy laws and handling legal issues and their implications with regard to accounts. Show less

  • Senior Credit Analyst

    Mar 2012 - Sept 2021

  • Collections Supervisor

    Jul 2005 - Feb 2012
• 

  Gadget Lab Digital Solutions

  Apr 2022 - now

  Business Owner