Abin Marattivettil Email & Phone Number

Toronto, Ontario, Canada

Conducted comprehensive financial analysis of over 500 accounts per month, evaluating creditworthiness,payment histories, and financial stability to make informed decisions on credit applications.• Collaborated closely with senior credit analysts to review complex credit applications, providing detailedanalysis and insights to assist in decision-making.• Contributed to credit strategy discussions, offering valuable insights into risk assessment methodologies andsuggesting improvements.• Actively participated in credit committee meetings, presenting analysis findings and risk evaluations tocontribute to credit approval decisions.• Generated and interpreted financial ratios, providing critical insights into customer financial health and aidingin decision-making.• Met and exceeded quarterly targets for efficiency, accuracy, and workload volume.• Demonstrated empathy and professionalism when handling sensitive financial situations, maintaining a highlevel of client satisfaction• Leveraged credit bureau reports and credit histories to assess creditworthiness and detect potential fraud oridentity theft• Provided exceptional customer service by effectively communicating credit decisions, credit terms, and loanoptions to clients, ensuring clarity and transparency.• Acted as a primary point of contact for clients, addressing inquiries and concerns regarding their creditapplications promptly and professionally

Bangalore, India

• Enhanced relationships with key service providers, vendors, and customers.• 2018-2019 (April –Dec): Had done business in new borrower segment of amount 45 million with a client base of nearly 90 which helped the branch to increase portfolio and achieve the target.• Jan 19 till November 2019: nearly an amount of 50 million businesses had been done for an existing borrower with a client base of nearly 80 which as a fresher was a good achievement in competitive market.• In a 2 year of span, worked in different verticals which include the new borrower segment for the self-employed customers, salaried and existing borrowers, and insurance products• Oversaw application processes for lines of credit and contributed to approval or denial decisions which helped me to control the default rate of the portfolio.• Manage clients from various industries for self-employed and for salaried customers' funding • Handle customer complaints and appropriate action to resolve them.• Analyzed potential loan market and develop a network in order to locate prospects for a loan• .Managed company risk by assessing applications to accurately determine customers' creditworthiness.• Served as the primary contact on client engagements and successfully managed and ensured timely deliverables and flawless execution.• Brought in new business with effective prospecting and networking abilities.• Gained familiarity with client needs and account nuances to assess service demands and provide value through insightful consultations.• Fostered continuous client satisfaction and proactive handling of engagements by anticipating client needs.

Goa

• Project was with regard to analysis of inventory management which was undergone in MRF Plant Goa. • Project was successfully completed by taking into account major inventory method. • Data was collected for few methods and analysis was done for it. • Secondary objective was with regard to interpretation of key financial ratio of MRF limited with help of senior accounts manager. • Objective was to compare financial ratios of MRF limited with its competitors, to know where company is lagging back in which area with respect to its competitors.

Goa, India

• Was responsible for leading a team of sixty skilled and unskilled manpower to various site of the company and ensure duties were performed.• Managed activities at various industry sites.• Minimized delays with well-organized supplies and open team communication, Developed solid relationships with staff, customers, and vendors.• Helped team handle high-volume work by prioritizing tasks and organizing supplies.• Had the responsibility to follow the laws and responsibility of the company and government.• Set up an alternative plan if there is a shortage of manpower in the worksite.• Was responsible to provide all the protective equipment

International Business, 3.5

Master Of Business Administration - Mba, Finance & Marketing, 7.88/10

Relevant Coursework: media planning and strategy, Integrated marketing communication, consumer market and buying behavior, financial.

Bachelor Of Engineering - Be, Mechanical Engineering

Relevant coursework: operation management, automotive engineering, total quality management, computer integrated manufacturing, design.

Education record