ABDUR REHMAN
Dublin
Summary
Highly accomplished finance professional with extensive experience in both financial analysis and credit assessment. Proven track record in evaluating credit applications, managing lending portfolios, and mitigating risks effectively also efficient in carrying out and analyzing budgets.
Overview
7
7
years of professional experience
1
1
Certification
Work History
SENIOR FINANCIAL ANALYST
SCOREME SOLUTIONS PVT. LTD.
Gurugram
02.2021 - 01.2023
- Engaged with clients to understand their unique requirements and deliver tailored financial solutions for the credit assessment
- Providing analyses of individuals' or companies' financials and bank statements to clients for a prompt and enhanced credit assessment
- Developed sophisticated models using bureau reports to assess potential risk and customer payment behaviors
- Developed a risk model to generate scores based on the overall performance of entities, derived from bank statements, credit reports, financial statements, and other KYC tools
- Derived continuous products improvement by conducted timely analysis of tax reports, credit bureau reports, financial and bank statements for individuals and entities
- Collaborated with technical teams to implement the developed financial solutions through automation
- Ensured accurate maintenance and reconciliation on of the company's revenue sheet while proactively managing client balances.
CREDIT RISK OFFICER
INDIFI TECHNOLOGIES PVT. LTD.
Gurugram
01.2020 - 06.2020
- Initiated the credit assessment process by conducting thorough client evaluations and comprehensive analysis
- Thoroughly scrutinized credit information to determine eligibility for specific customers
- Assessed risk factors and recommend appropriate credit limits and terms in adherence with company's policy and guidelines
- Performed a comprehensive analysis of the customer's tax reports, financial and banks statements to gauge financial stability
- Conducted assessments of customer's credit and debit transactions, existing monthly obligations, ensuring a comprehensive understanding of financial standing.
SENIOR UNDERWRITER EXECUTIVE
SBI CARD
Gurugram
10.2017 - 12.2019
- Responsible for acceptance and denial of credit applications
- Evaluated the applications with precision to ensure responsible lending practices
- Reviewed financial and bureau information, identifying potential risk and making informed adjustments
- Reviewed home and office address verification reports and to compare KYC documents authenticity with the verification reports
- Employed sound judgmental skills to mitigate credit risk during application analysis and decisively made acceptance or denial decisions
- Determined suitable credit limits based on thorough assessments for approved applicants
- Mentored the team of new joiners, provided guidance for Underwriting practice.
CREDIT ANALYST
IFCI LTD.
New Delhi
11.2015 - 10.2017
- Reviewed credit applications to assess risk on new accounts
- Analyzed financial reports to evaluate borrower viability
- Prepared terms and conditions for financial agreements
- Processed payments and bills in the system for borrowers
- Reconciled debtors list and sent timely reminders for overdue payments
- Monitored fund utilization through various agency reports.
Education
MSC. IN INTERNATIONAL ACCOUNTING AND FINANCE -
Dublin Business School
01.2024
BACHELOR OF BUSINESS ADMINISTRATION -
Indraprastha University
06.2014
Skills
- Underwriting
- Risk Analysis
- Credit Analysis
- Financial Analysis
- Power Query
- Power BI
- MS Office (MS Word, MS PowerPoint, MS Excel)
- Financial Management
- Budget Forecasting
- Credit Decision Making
- Data Analysis
- Statement Review
- Financial Forecasting
- Risk Assessment
Certification
- 2020, FUNDAMENTALS OF CREDIT, Corporate Finance Institute
- 2022, POWER BI, Edureka
Accomplishments
- Promoted from Financial Analyst to Senior Analyst at SCOREME SOLUTIONS PVT LTD.
- Promoted from Executive to Senior Executive at SBI CARDS, 2 times “Employee of the Month” award for outstanding performance at SBI CARD..
- Secured topmost rating in team in Annual Performance review at SBI CARD.
- Received letter of recommendation from Government of India.
Affiliations
- Impact of USA – China Trade War on Global FDI.
- Investment Evaluation report of Apollo Tyre 2021-22.
- Current Valuation European banking sector (post Brexit & rapid increase in interest rates).
- Financial Analysis of RS Group PLC 2021-22
Timeline
SENIOR FINANCIAL ANALYST
SCOREME SOLUTIONS PVT. LTD.
02.2021 - 01.2023
CREDIT RISK OFFICER
INDIFI TECHNOLOGIES PVT. LTD.
01.2020 - 06.2020
SENIOR UNDERWRITER EXECUTIVE
SBI CARD
10.2017 - 12.2019
CREDIT ANALYST
IFCI LTD.
11.2015 - 10.2017
MSC. IN INTERNATIONAL ACCOUNTING AND FINANCE -
Dublin Business School
BACHELOR OF BUSINESS ADMINISTRATION -
Indraprastha University
- 2020, FUNDAMENTALS OF CREDIT, Corporate Finance Institute
- 2022, POWER BI, Edureka
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