Nishad Mohammed Kutty, Relationship Manager - Medium Business Banking - Wholesale Banking

Nishad Mohammed Kutty

Relationship Manager - Medium Business Banking - Wholesale Banking

Qatar Islamic Bank

Lieu
Qatar - Doha
Éducation
Master, Finance
Expérience
23 years, 9 Mois

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Expériences professionnelles

Total des années d'expérience :23 years, 9 Mois

Relationship Manager - Medium Business Banking - Wholesale Banking à Qatar Islamic Bank
  • Qatar - Doha
  • Je travaille ici depuis février 2013
Relationship Manager - Citi Commercial Bank à Citibank N.A
  • Émirats Arabes Unis - Dubaï
  • janvier 2008 à février 2013

• To acquire, manage, grow and service new-to-bank and existing portfolio of borrowing and non-borrowing corporate clients in the small to mid market segment.
• Maximising portfolio revenue from existing client base with emphasis on building the relationship base with regard to secured and unsecured lending product offerings.
• Analysis of financial data, preparation of credit reports and monitoring account activities.
• Cross sell bank product offerings like LCs, Guarantees and other Trade Products.
• Ensuring implementation of banks credit and compliance policy.
• Generating referrals from existing borrowing and non-borrowing base to forward and backward integrate with existing relationships.
• Adherence to internal credit policy with regard to account monitoring, credit quality and reporting.
• Adherence to and implement the bank’s compliance policy with regard to KYC/AML and local regulations.
• Manage delinquent loan portfolio, negotiate and implement effective plans for recoveries of outstandings.
• Minimising and controlling delinquency levels of loans book. Restricting the flow of accounts to higher delinquent buckets that effected in reducing the NCL levels. Disciplined approach to pre-delinquency follow-up and tracking the flow from current to delinquency.
• Portfolio management which includes annual reviews, monitoring of risk & credit covenants, analysis of obligor risk ratings and ratio analysis.

Sales Development Manager-Auto Loans à Citibank N.A
  • Émirats Arabes Unis - Dubaï
  • janvier 2006 à janvier 2008

• Directly reporting to the National Sales Head - Auto loans.
• Managing and handling a team of 5 and all relevant activities thereof (recruitment, training, development).
• Responsible for the auto loans business portfolio for the territories of Sheikh Zayed Road and Dubai Festival City in Dubai handling mainly with HNWI for individual and corporate auto finance requirements.
• Efficiently handling dealer relationships falling under these territories and constant contact and meetings with the branch and sales managers of various automobile dealerships.
• Constant networking and interaction with various department heads within the bank namely credit, policy, collections and at branch levels and other department heads of consumer products namely credit cards, personal loans and wealth and priority banking units.
• Involved in the planning, formulating and implementing of various strategies that enhanced maximum productivity and achievement of overall sales targets.
• Attended workshops with regards to various modules in KYC, AML, CIPP and other global compliance modules.

Sales Executive - Auto Loans à Citibank N.A
  • Émirats Arabes Unis - Dubaï
  • janvier 2003 à janvier 2006

• Providing financial advice to clients with regards to auto finance and all activities thereof which include identifying and sourcing clients for the bank and advising clients with the various auto loan schemes available and then processing of loans as per the credit and policy requirements of the bank.
• Establishing and maintaining excellent dealer relationships, assisting in authorizing automobile dealers to the banks network, constant networking and coordination with other areas of the bank that is related to auto finance such as the Credit, Operations, Collections and Branch Departments, establishing and maintaining excellent rapport with all these departments, establishing and maintaining excellent relationship with other areas of consumer and retail banking such as personal loans and credit cards.
• Constant reporting to senior management with regards to sales figures and volume on a daily, weekly and monthly basis hence always been given aggressive sales targets, which has always been achieved.
• Directly reporting to the Sales Development Manager and always been second in line to the S.D.M.
• Managed and led the team when the S.D.M. was on leave and have always delivered results.

Financial Planning Officer à Citibank N.A
  • Émirats Arabes Unis - Dubaï
  • janvier 2002 à janvier 2003

• Providing financial advice to clients with regards to investment product offerings that Citibank had within their investment product portfolio.
• Involved extensive sourcing and identifying of clients within the banks existing database as well as new to bank clients who had the potential to invest their money in the financial markets.
• Primarily involved in profiling the clients and advising with regards to where they can put their investment to maximize their return.
• To do this in the most professional manner, I had to be well informed on a daily basis on the behavior, trends and movements in the market with regards to the various financial markets

Business Executive - Retail Banking à HDFC Bank
  • Inde
  • décembre 1998 à septembre 1999

• Responsible for creating, building and maintaining database of clients to add to the bank’s retail portfolio and activities thereof which include identifying and sourcing clients through various selling methods and strategies.
• Responsible for creating market awareness of the bank’s various retail and consumer products and hence was involved in selling which included meeting and sometimes exceeding aggressive sales targets.

Sales Executive à BPL Mobile
  • Inde
  • juin 1998 à décembre 1998

• Responsible for extensive and aggressive selling of mobile handsets and packages of the popular and leading cellular phone service provider.

Éducation

Master, Finance
  • à Oxford Brookes University
  • avril 2001
Baccalauréat, Business Management
  • à University of Mysore
  • avril 1998
Etudes secondaires ou équivalent, Commerce
  • à Sharjah Indian School
  • avril 1995

Specialties & Skills

Portfolio Management
Project Finance
Trade Finance
Client Relationship Building
Corporate Credit
Client Relationship Management
Communication​ & Organizational Skills
Structured & Project Finance
Portfolio Management
Analysis of Financial Statements & Ratio Analysis

Langues

Anglais
Expert
Hindi
Expert
Malayala
Expert
Arabe
Moyen

Formation et Diplômes

Project Finance (Certificat)
Date de la formation:
February 2014
Valide jusqu'à:
January 9999
Trade Finance (Certificat)
Date de la formation:
November 2014
Valide jusqu'à:
January 9999
Moody's Analytics (Certificat)
Date de la formation:
September 2014
Valide jusqu'à:
January 9999
Analysis of Financial Statements & Ratio Analysis (Certificat)
Date de la formation:
October 2011
Valide jusqu'à:
January 9999