Mohammed Imran Khan

Work History

Senior Credit Risk Specialist

Gulf Lifting Financial Leasing Co

Dammam, Saudi Arabia

11.2022 - Current

Creditworthiness of the borrower is assessed by reviewing the audited financials, bank statements, and credit bureau reports such as SIMAH and Bayan Credit.
Holds expertise in handling types of shariah compliant leasing such as commercial vehicle lease, equipment lease and plant & machinery lease covering direct lease, sale & leaseback, and SME's.
Prepare the credit business applications and submit the case for approval to Head of Credit & Risk and Committee members.
Managed business credit reports using relevant research, investigation methods and data to provide evidence for recommendations by incorporating qualitative and quantitative aspects of leasing.
Stayed abreast with lending protocols to comply with guidelines and procedures providing best resilience to the employer.
Identified discrepancies and variances to reconcile credit files to meet internal audit requirements.

Senior Operations Officer

Gulf Finance Co

Riyadh, Saudi Arabia

08.2021 - 10.2022

Thorough understanding and experience gained over the collective functioning of the core departments of financing leasing business such as Credit Risk, Business Development, and Operations.
Experienced working on different leasing products categorized as Direct Lease, Sales and Leaseback, SME, and Kafalah 95% guarantee program.
Responsible for creating contracts post reviewing internal documentation like credit approval, quotations etc.
Handled queries to issue letters such as authorization letter, transfer letter, balance clearance letter, statement of accounts etc.
Follow up with clients on clearing the traffic violations and any other disputes related to insurance, transfer of assets ownership etc.
Recalculated the impact in accounting books for all the existing contract's related to SAMA and Monsha'at Deferment by rebuilding the amortization schedules.
Maintained eFiling of the client profiles to meet compliance and data audit requirements.
Monitored and reviewed operational performance, aiding improved business strategy to maximize productivity.
Managed 3+ staff members, maintaining high-performing business operations mainly in the absence of the operations manager.
Aided senior leadership by recommending corrective actions and improvements to company operations.
Reviewed performance metrics to identify required process improvements.
Hands-on experience working with MS CRM, Oracle Flex Cube, and MS Moody's Analytics.
Completed IFRS 9 training related to conceptual background, SAMA rules on credit provisioning, and IFRS 9 ECL methodology
Trained on SAMA Cyber Security Framework, Core Responsibilities

Financial Reporting Analyst

Future Growth Co.

Multi Cities, Saudi Arabia

01.2018 - 01.2021

As a consultant reporting analyst, worked for multiple projects related to different industries such as Hospital Management, HVAC, FMCG.
Collected, analyzed and interpreted financial and accounting data to identify trends, variances, and key performance indicators with accuracy of data intact.
This includes but not limited to financial ratio analysis, profitability analysis and other financial modelling techniques to support decision-making of the business owners.
Prepared complex and intrinsic reports in "presentation" format for the ease of client's understanding.
Identified opportunities to streamline financing reporting processes, enhance data accuracy and integrity, and improve efficiency.
Experienced in the functionality of ODOO, Sinmar Software etc.

Credit and Business Development Officer

Gulf Finance Co.

Jeddah & Riyadh, Saudi Arabia

06.2013 - 09.2017

Responsible for assessing the creditworthiness of the client by spreading the financials, bank statements, and credit bureau reports such as SIMAH and Bayan Credit.
Decision-making was based on the overall assessment of quantitative aspects (Financials, Ratio analysis) and qualitative aspects (Industry trends, market research, competitor comparative study, Client's management vision, expertise, etc.).
Prepared and presented business credit applications to the credit committee for approval
Adhering to the internal policy and procedures by keeping credit exposures within set risk-bearing limits
Maintained client records in bespoke CRM systems, Oracle Flex Cube, Risk Moody's Analytics, ensuring streamlined data processes for maximum efficiency.
Secured new commercial opportunities by strengthening sales pipeline with senior business teams.
Applied stakeholder management expertise to serve as primary interface between business and clients.

Commercial Underwriter

GE Capital

Hyderabad, India

07.2007 - 02.2013

Represented GE Money Bank as an large deal underwriter engaged in reviewing the consumer request to process credit cards and increase personal lines.
Held an approving authority to a limit of USD 500M.
Decision based on the financial statement analysis, overall credit age, payment history obtained from major credit bureau agencies such as EQUIFAX, EXPERIAN, D&B., Internal credit matrix etc.
Supported the clients shopping through Walmart, Lowe's, SAMS Club, etc.

Client Sales Associate

Aegis BPO (Essar Group)

Hyderabad, India

12.2005 - 01.2007

As a CSA, represented Ashworth College based in Atlanta, GA, USA primarily engaged in promoting online based education.
Converted a call lead to a confirmed sales.
Managed over 50 outbound calls per day.
Supported interested students in enrolling for their prospective programs.

Summary

Overview

Work History

Senior Credit Risk Specialist

Senior Operations Officer

Financial Reporting Analyst

Credit and Business Development Officer

Commercial Underwriter

Client Sales Associate

Education

Master of Business Administration - Finance

Bachelor of Commerce - Accounting

Skills

Languages

Timeline

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