Mohammed Rizwanullah Basha

Experienced Credit Analyst with a strong background in financial analysis, credit assessment, and risk management. Skilled in data analysis and credit scoring, with excellent interpersonal skills. Driven professional with 9+ years of experience in customer-facing roles. Skilled in sales, customer service, and digital marketing, with excellent communication and interpersonal skills.

Credit Underwriter at Deem Finance (2025-01 – Present)

Credit Underwriter with a strong background in conducting thorough credit analyses, evaluating financial statements, and utilizing credit scoring models to assess risk and make informed credit decisions.

• Credit Underwriter with a strong background in conducting thorough credit analyses, evaluating financial statements, and utilizing credit scoring models to assess risk and make informed credit decisions.
• Proven ability to collaborate with team, manage credit pipelines, and provide exceptional service while ensuring compliance with credit standards and regulatory requirements.
• Skilled in balancing risk and reward to drive business growth and minimize losses, with a strong commitment to staying up-to-date with industry trends and best practices.

Outbound Portfolio & Acquisition at Deem Finance (2022-01 – 2025-01)

Outbound Sales Specialist with expertise in acquiring new customers and growing existing portfolios for EPP, Easy Cash, and Balance Transfer products.

• Outbound Sales Specialist with expertise in acquiring new customers and growing existing portfolios for EPP, Easy Cash, and Balance Transfer products.
• Proven ability to conduct thorough needs assessments, develop personalized solutions, and build strong relationships with customers to drive sales growth and exceed performance targets

Senior Customer Service Representative at Citibank (2021-01 – 2022-01)

Senior Customer Service Representative managing client relationships and loan growth.

• Built and maintained strong relationships with clients, financial planners, and individual borrowers to drive loan growth and achieve business objectives.
• Utilized specialized tools, including Eclipse Armor and Nexidia, to manage customer relationships and ensure high-quality customer interactions.
• Developed and maintained a deep understanding of loan products and options, advising clients on benefits and risks to meet their needs.
• Generated reports on key performance metrics, including Average Handling Time, to optimize daily call performance and ensure excellent customer service.

Customer Service Representative at Deem Finance (2017-01 – 2020-01)

Customer-Centric professional with a strong background in delivering personalized account services, including loan maintenance, account updates, and transaction processing.

• Customer-Centric with a strong background in delivering personalized account services, including loan maintenance, account updates, and transaction processing.
• Experienced in managing customer relationships, cross-selling products, and developing business partnerships to achieve sales goals.
• Demonstrated expertise in operational integrity, risk management, and fraud prevention, with a strong emphasis on providing exceptional customer experiences and driving business growth.

Bachelor of Computer Applications in Computer Applications – The New College (2012-01 – 2015-01)