KRISHNAKANTH KESAVAN PREMAKUMAR
DUBAI
Summary
Highly accomplished and results-driven banking professional with 18 years of experience in the finance industry. Proven track record of success in driving revenue growth, managing high-performing teams, and implementing innovative strategies to improve operational efficiency. Skilled in developing and nurturing client relationships, identifying market trends, and delivering exceptional customer service. A dynamic leader with a strong business acumen and a deep understanding of financial regulations. Seeking opportunities to leverage my expertise and contribute to the continued success of a reputable financial institution.
Overview
18
18
years of professional experience
Work History
Assistant Manager - Credit Operations
THE NATIONAL BANK OF RAS AL KHAIMAH
10.2017 - Current
- Leading a team of credit professionals to ensure compliance with internal guidelines for the bank's credit facilities.
- Responsible for managing credit documentation and administration for various types of facilities.
- Handling legal matters related to syndication and bilateral deals.
- Collaborating with legal teams to prepare security document templates.
- Supporting business teams in collateral structuring. Ensuring security documents are up to date.
- Coordinating with various departments for drafting Islamic and conventional product documentation.
- Overseeing staff appraisal, development, and training. Assisting senior management in day-to-day operations and initiatives.
- Reviewing staff productivity and implementing rewards programs.
- Continuously improving processes for efficiency.
- Motivating team members to meet business and customer needs.
- Updating operational procedures manuals regularly.
- Identifying and managing potential risks.
- Coordinating with other departments for consumer protection standards.
- Preparing audit reports and circulating to relevant parties.
- Acting as single point of contact for governance reviews and audits.
Senior Credit Specialist - Credit Control
Commercial Bank Of Dubai
08.2013 - 10.2017
- Processing and documenting credit applications and loan approvals in compliance with bank policies and regulatory requirements.
- Reviewing and verifying credit documentation, including loan agreements and security documents.
- Coordinating with internal departments, such as credit risk management and legal teams, to ensure proper completion of credit transactions.
- Monitoring credit facilities and loan accounts to ensure adherence to payment schedules and terms.
- Handling customer inquiries and providing assistance with credit-related issues.
- Conducting financial analysis and credit assessments to evaluate borrower creditworthiness.
- Managing collateral documentation and ensuring proper collateral monitoring procedures are in place.
- Reviewing and updating credit policies and procedures to reflect changes in regulations and best practices.
- Collaborating with other departments, such as compliance and internal audit, to ensure credit operations compliance with regulatory requirements.
- Providing training and guidance to staff on credit operations processes and procedures.
Corporate Credit Officer - Credit Operations
HSBC Bank Middle East
04.2011 - 08.2013
Customer Service Executive - Credit Operations
HSBC Electronic Data Processing Lanka
05.2006 - 04.2011
Education
MBA - Finance
University of Bedfordshire
UK12.2023
Diploma (Level 5) - Business Management
Association of Business Executive (ABE)
UK12.2009
High School Diploma -
Royal Institute of Higher Education
Sri Lanka06.2004
Skills
Credit & Operational Risk Management
Stakeholder Management & Engagement
Regulatory Risk Management
Service Delivery
Account & Reconciliation Management
Relationship Development
Business Administration
Credit Control & Monitoring
Process Design & Transformation
Leadership
Interpersonal Communication
Report Writing
Accomplishments
- Successful outsourcing of HSBC Middle East Credit Operation Unit to Sri Lanka
- Successful outsourcing of Asset Base Finance/Cash Against Cash/Leverage Loan operation unit to WIPRO
Languages
English
Bilingual or Proficient (C2)
Tamil
Advanced (C1)
Sinhalese
Advanced (C1)
Timeline
Assistant Manager - Credit Operations
THE NATIONAL BANK OF RAS AL KHAIMAH
10.2017 - Current
Senior Credit Specialist - Credit Control
Commercial Bank Of Dubai
08.2013 - 10.2017
Corporate Credit Officer - Credit Operations
HSBC Bank Middle East
04.2011 - 08.2013
Customer Service Executive - Credit Operations
HSBC Electronic Data Processing Lanka
05.2006 - 04.2011
MBA - Finance
University of Bedfordshire
Diploma (Level 5) - Business Management
Association of Business Executive (ABE)
High School Diploma -
Royal Institute of Higher Education
Similar Profiles
Rohit JadhavRohit Jadhav
Senior Compliance Officer- QA at National Bank of Ras Al KhaimahSenior Compliance Officer- QA at National Bank of Ras Al Khaimah
Nirmal PunjabiNirmal Punjabi
Sr. Officer Business Support at The National Bank Of Ras Al, Khaimah, P.S.CSr. Officer Business Support at The National Bank Of Ras Al, Khaimah, P.S.C
Subiya AneesSubiya Anees
SVP – Head of Corporate Banking GRE & LLC at National Bank of Ras Al KhaimahSVP – Head of Corporate Banking GRE & LLC at National Bank of Ras Al Khaimah