Jyoti R. Nair Email & Phone Number

Auckland, New Zealand

Jaipur, Rajasthan, India

Greater Kolkata Area

Raigarh Area, India

Bangalore

Auckland

• Role - Relationship Associate (Debt Management - Commercial Banking)Responsible for assisting in management of a set of distressed customers, including writing up credit memorandum, timely and accurate provisioning of.
• Independently managed Set while Manager was on long leave. Relationship management was taken over and there were no interruption or issues.
• Successfully handled liquidation of customer’s business single-handedly.
• Identified business issues with customers leading them to make a decision to put business into liquidation.
• Sorted out repayment of debt for customers.
• Identified key anomalies in financial accounts of customers resulting in redrafting of accounts to ensure true and accurate picture of their business.

Auckland

• Role - Credit Analyst cum ApproverHeld Credit Approval Discretion in the SME, Commercial and Corporate space. It involved analysis of financials, industry & business model and sensitivity analysis and identifying key.
• Established excellent rapport with, and built confidence amongst, sales team that resulted in a congenial work atmosphere. Was the most sought after analyst to work-shop new deals.
• Conducted training sessions for sales team along with mentoring.
• Awarded for detection of fraud (in August 2008) that saved the company loss of $100K.
• Forecasting of financials was undertaken for customers with the aid of realistic assumptions and key-value drivers. This assisted in key decision making regarding funding. There were negligible deviations in the.
• Assisted sales team to bag deals in their absence on many occasions (this was not part of KRA), that resulted being tagged as the most approachable and friendly approver.

Auckland

• Role - Senior Credit Controller (Account Manager)Role involved managing collections of a section of portfolio (car finance receivables) and undertake corrective steps involving work-out arrangements and/or.
• Reduced number of accounts from 450 to 210 accounts within 3 months of being in charge of portfolio and maintaining the level at 250 accounts throughout. This was considered to be an outstanding achievement in the.

Hyderabad, Kolkata & Ahmedabad

• Role - Area Credit Manager, Asset Based FinanceCredit Approval Discretion holder for Asset Based Finance, Working Capital, Letters of Credit and Bank Guarantees. Handled a portfolio of INR 4,500 million (Transportation.
• Portfolio generated was of very good quality with least delinquency. Markets were geographically widely dispersed. Target acceptable markets were identified by analysis based on sources of income, types of contracts.
• Established a parallel strong network of customers for conducting informal reference checks on customers.
• Had assisted sales team in winning customers from competition by making sales pitch and providing very quick turnaround times on a number of occasions.
• Training and mentoring for sales team & credit team by undertaking root-cause analysis for lessons learnt.
• Awarded “Outstanding Credit Officer” for the year 2003.

Kolkata Area, India

Headed the Kolkata Regional Office (North East India to Nagpur) and managed a team of 19 members and a client base of 1000.

Master'S Degree, Finance And Financial Management Services

• Master of Professional Business Studies in Finance at AUT University, Auckland – August 2011. Papers studied – Advanced Corporate.

Master Of Business Administration (M.B.A.), Finance And Financial Management Services

Bachelor'S Degree, Business/Commerce, General