MOHAMMED EQUBAL HUSSAIN, Senior credit officer

MOHAMMED EQUBAL HUSSAIN

Senior credit officer

Indiabulls ventures ltd

Location
India - Hyderabad
Education
Master's degree, FINANCE AND MARKETING
Experience
20 years, 2 months

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Work Experience

Total years of experience :20 years, 2 months

Senior credit officer at Indiabulls ventures ltd
  • India - Hyderabad
  • My current job since December 2017

· Taking care of Unsecured loans credit underwriting process and also taking of additional responsibility of collection and sales improvement tasks.
· As per the Credit parameters checking the profiles and doing the underwriting as per guide lines.
· Analysis the eligibility parameters under respective programs and underwrite collection comfort too.
· Verify the all KYC related and financial documents through internal controls and as per Risk Intelligence Control team.
· Restrict the Non target segments and purely under writing the case based on credit guidelines and caution steps taking for caution profiles for unsecured.
· For all Business (unsecured) loans cross verify the financial audit reports by proper auditor controls and guidelines.

· Decisioning the profiles as per policy and recommending the proposals to high authority based on the matrix.
· Maintaining the credit TAT within time and also supports to operations with smooth process.
· Monitoring of Branch MIS and TAT relating to disbursements.
· Maintenance all audit oriented controls and timely updating on regular basis.

CUSTOMER SERVICE OPERATIONS at ICICI BANK LTD
  • India
  • March 2006 to September 2018

Resolving Internal and External Customers Queries and Requests for both Consumer and Home Loans, Monitoring and resolving Customer requests through Finacle Customer Relationship Management (FCRM), Tele-calling the Customers to Cure Return to Origin Couriers and Postages and Updating their Change in Address in Finnone.Sending Consolidation reports on Foreclosure Documents present at Branch.Issuing periodic and Regular Statements like Final, Prov IT, Account, and Foreclosure Statements.
Using Techniques like root cause analysis to improve the service standards.
Transfering the amounts, requistion updating for atm pins, issuing the bank statements verifying the signature of customers etc

Operation Executive at HDB FINANCIAL SERVICES LTD
  • India - Hyderabad
  • January 2014 to December 2017

1. Disbursing the loan assigned Products like Personal, Gold, Car and LAP Loans
2. Used to prepare CAMs for PL and BL cases and calculating the eligibility
3. Maintaining Credit MIS and involve in PD, TVR and FI intiation as per Process.
4. Maintaining Daily collections Mis data
5. Maintaining the Registers like Cash Vault, Gold Vault, Key Custodian register etc.,
6. Used to Update the Collections and Foreclosure data in CMS tracker
7. Sending the Disbursed files and Documents within in TAT to COPS
8. Daily Deposition of cash in branch timings without any delay
9. Issuing the Periodic statements like SOA, Interest certificate to the Customer.
10. Maintaining the Good Audit Scores for last 3 months
11. Used to resolve the Customer queries like emi updation, ECS, refund of emi etc.,
12. Any issues or discrepancy like document pending, file related, error rectification etc., used to resolved with the help of COPS team.
13. Used to arrange the Utility bills payments of branch as process.

Officer at V3 Associates
  • India - Hyderabad
  • February 2013 to January 2014

Education

Master's degree, FINANCE AND MARKETING
  • at ANDHRA UNIVERSITY
  • August 2009

Specialties & Skills

Root Cause Analysis
Banking Operations
Service Standards
Branch Banking
Customer Service
MS WORD, TYPING

Languages

Urdu
Expert
Hindi
Intermediate
English
Expert