LAYA DURGA RAJASEKARAN
Midleton, County Cork, Munster, Ireland,Cork
Summary
Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills. Track record of fostering collaboration and adaptability in fast-paced settings.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Retail Assistant (Store & Cash Office)
Penneys
06.2024 - Current
- Manage cash office operations, ensuring precise balancing of daily transactions, and preparing floats for the next day.
- Handle cash lodgements to the bank and petty cash payments, while maintaining compliance with company policies.
- Collaborate with the team to optimize procedures and minimize discrepancies.
- Handled returns and exchanges professionally, adhering to company policies while prioritizing customer satisfaction.
- Enhanced store appearance through diligent merchandising and regular upkeep of displays.
Chief Manager & Branch Head
UCO Bank
05.2018 - 04.2023
- Oversaw branch operations, managing a loan portfolio worth €31.06 million in SME and retail segments, and achieving a growth of €4.99 million in loan advances
- Reviewed and approved mortgage applications, ensuring compliance with credit policies and standards with limits of up to €166,000 for corporate, SME, and retail clients
- Ensured adherence to regulatory standards, including resolving Internal Audit and
- Compliance reports
- Provided advisory support for mortgage and financial products, building long-term client relationships
- Led and trained a team of 10, fostering collaboration and cross-selling to explore new business opportunities and achieve branch business targets.
Credit Analyst, Risk Management Officer
UCO Bank
08.2011 - 04.2018
- Managed SME and corporate credit portfolios valued between €27,700 and €16.64 million, ensuring robust risk assessment.
- Evaluated creditworthiness using reports from CIBIL, CRIF, and other credit rating agencies.
- Created tailored financial solutions, handled meetings with customers, attended Consortium meetings, and monitored pre- and post-disbursement conditions.
- Strategized and oversaw credit rating processes for accounts ranging from €27,700 to €4.4 million in the Southern India zone, leveraging the bank's internal rating model as a Credit Rating Officer.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
Education
MSc - FINANCE- BANKING AND RISK MANAGEMENT
University College Cork
08.2024
Accomplishments -
Institute of Bankers
MASTER OF BUSINESS ADMINISTRATION -
Bharathidasan University
05.2011
BACHELOR OF COMMERCE -
Bharathidasan University
04.2008
CAIIB (Certified Associate of the Indian -
Institute of Bankers
Skills
- Skills Profile
- Mortgage segments
- Lending processes
- Customer relationship management
- Communication
- Motivated
- Risk Management
- Regulatory compliance
- KYC/AML standards
- Team leadership
- Collaboration
- Training
- Problem-solving
- Customer assistance
- Customer service
- Cash handling accuracy
- Loan evaluation
Accomplishments
- Achieved an All India rank of 84 in ICWA Inter examinations.
- Surpassed home loan targets by 15%, driving branch growth and profitability.
- Successfully recovered €166,000 from non-performing loans in one year.
- Served as Secretary of the Commerce Association during the 2007-08 academic year in B.Com, overseeing the organization of a national-level conference and various programs.
- Held the position of Secretary of the Literary and Debate Association in school during the 2003-04 academic year, managing event organization and selecting participants for inter-school competitions.
Interests
Successfully recovered €166,000 from non-performing loans in one year
Served as Secretary of the Commerce Association during the 2007-08 academic year in
BCom, overseeing the organization of a national-level conference and various programs
Held the position of Secretary of the Literary and Debate Association in school during the
2003-04 academic year, managing event organization and selecting participants for inter-
school competitions
Hobbies and
Interests
Dancing
Painting
Gardening
Playing Badminton & Table tennis
Watching Sports
Additional Information
- Evaluated creditworthiness using reports from CIBIL, CRIF, and other credit rating agencies. Created tailored financial solutions, handled meetings with customers, attended Consortium meetings, and monitored pre- and post-disbursement conditions. Strategized and oversaw credit rating processes for accounts ranging from €27,700 to €4.4 million in the Southern India zone, leveraging the bank's internal rating model as a Credit Rating Officer.
Certification
- CAIIB (Certified Associate of the Indian Institute of Bankers)
- ICWA (Inter)- Institute of Cost and Works Accountants of India
- ACS (Inter)- Institute of Company Secretaries of India
Timeline
Retail Assistant (Store & Cash Office)
Penneys
06.2024 - Current
Chief Manager & Branch Head
UCO Bank
05.2018 - 04.2023
Credit Analyst, Risk Management Officer
UCO Bank
08.2011 - 04.2018
MSc - FINANCE- BANKING AND RISK MANAGEMENT
University College Cork
MASTER OF BUSINESS ADMINISTRATION -
Bharathidasan University
BACHELOR OF COMMERCE -
Bharathidasan University
Accomplishments -
Institute of Bankers
CAIIB (Certified Associate of the Indian -
Institute of Bankers
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