Sudarsshan Virappa Poojary Email & Phone Number

Auckland, New Zealand

Auckland, New Zealand

As a vital member of the credit analysis team, I played a pivotal role in evaluating commercial financing risks, reviewing financial statements, and assessing the creditworthiness of business clients. My dedication to ensuring the company's financial stability and supporting strategic lending initiatives was unwavering.Key Responsibilities:• Conduct thorough analyses to make informed credit decisions.• Foster business growth while maintaining regulatory compliance.• Safeguard the organization's financial health through strategic lending initiatives.Achievements:🎯 Exceeded the year-to-date loss target, achieving $180,000 against a $300,000 budget.🏆Expanded credit delegation from $100,000 to $500,000, underscoring strong transaction management skills.

Auckland, New Zealand

In this role, I was responsible for conducting accurate credit assessments in commercial financing, balancing risk management with business growth support in commercial lending.Key Responsibilities:• Analyse financial data, check credit scores, and provide recommendations.• Contribute to risk management efforts and ensure adherence to credit policies.• Facilitate timely financing approvals.Achievements:🎯Streamlined processes for enhanced efficiency through timely review and approval of credit applications.🎯Showcased adept risk management skills by collaborating with Commercial Collections to mitigate credit risk.🎯Contributed to a strategic credit management framework through proactive portfolio analysis.

Auckland, New Zealand

Evaluated and assessed loan applications to ensure compliance with lending criteria, conducting thorough financial analyses and making informed decisions on creditworthiness.Achievements:🎯Played a pivotal role in successful risk-related projects and commercial business initiatives.🎯Established strong relationships with stakeholders, fostering collaborative communication.🎯Contributed to defining industry and asset appetite, aligning with business objectives.

Auckland, New Zealand

Processing credit card applications according to eligibility.Ensure approvals are according to organization credit policies.Review processed application for potential prospects and decreasing risks.Learning credit risk analytics.

Auckland, New Zealand

Dubai, United Arab Emirates

Led a team of credit analysts in the evaluation and approval process of business loans for SMEs, managing vendor relationships and contributing to enhanced risk management and operational efficiency.Achievements:🏆Twice recognized as Employee of the Quarter for exceptional performance.🏆Elected to the Hall of Fame in 2015 for outstanding achievements.🏆Granted Credit Delegated Authority up to AED 750,000, demonstrating trust and responsibility.

Dubai, United Arab Emirates

Specialized in diverse underwriting areas, including business, personal, and loan against gold, demonstrating a strong ability to optimize credit risk systems. My contributions were recognized with a Gold Coin award for exceptional credit performance.

Mumbai Area, India

Managed underwriting for personal and business loans, leading a team to ensure high approval rates and compliance. My focus on policy feedback and process improvement underscored my commitment to enhancing credit operations and portfolio quality.

Mumbai Area, India

Headed the branch's Credit, Collections, and Operations, overseeing secured and unsecured loan underwriting. My leadership emphasized operational excellence, risk management, and quality assurance in all facets of credit administration.

Handling payments to merchants through direct payment NEFT, RTGS, and cheque payments.

Conduct personal discussion with the customers and assess the ability and intention to pay of the customer based on the visible proofs, documents submitted by the customer and personal discussion.Sanction loans on the outcome of discussion and the documents submitted by the customerEnsure healthy Approval rate, maintain Write rate as per the standard and work towards achieving desired Average ticket size and average yield.Support credit process rationalization efforts in order to deliver on TATs.Ensure satisfactory results of self on policy and process related audits.Ensure that all aspects of the credit business are strictly adhered to in line with the Group PoliciesAuthorised personnel to handle top-up cases in the branch.

Mumbai Area, India

Resolving Customer Queries with effective use of Banking Products, Process and System via Phone banking and E-mails.

Post Graduate Diploma In Business Administration (Pgdba), Business Administration And Management, General

Post Graduate Diploma, Finance, General, First Class

B.Sc, Statistics

Ssc, Languages, Science, Maths