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 impaired assets, improve profitability where appropriate, undertaking annual and interim reviews & planning work-out strategies.Achievements:• 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 risks. Involved writing up simple to complex credit memoranda and undertaking annual and interim reviews. Undertook customer and vendor visits.Achievements:• 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 originals when compared with the forecasts at a later date.• 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 repossessions.Achievements:• 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 organization.

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 and Construction Equipment Finance) – at various locations in India. Managed upto three branches.Achievements:• 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 and repayment habits. This was achieved by way of information from network established from existing customers, principals, opinion leaders and dealers.• 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.• Represented region during international audit and ensured minimal issues were noted.

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