Mohammed Sauood
Credit Appraisal | Financial Statement Analysis | Bureau Analysis | NBFC & Commercial Banking | MIS Reporting | SME Lending | Risk Assessment | MBA Finance
- Role
- Assistant Credit Manager at WeRize
- Location
- Bengaluru, KA, IN
- LinkedIn followers
- 500 followers
About Mohammed Sauood
Credit professional with hands-on experience across NBFC and commercial banking environments, specializing in end-to-end credit underwriting — from financial statement analysis and bureau assessment to risk decisioning and portfolio quality management.Currently working as Assistant Credit Manager at WeRize, where I evaluate SME and retail credit proposals, assess borrower creditworthiness, and ensure underwriting decisions align with risk appetite and regulatory frameworks. Prior to this, I built my foundation at Bandhan Bank as a Credit Analyst, underwriting loan cases across customer segments with a focus on accuracy, TAT adherence, and delinquency control.Core competencies:• Credit Appraisal & Underwriting (SME, Retail, Micro Lending)• Financial Statement Analysis (P&L, Balance Sheet, Cash Flow)• Bureau Analysis (CIBIL, Experian)• Risk Assessment & Mitigation• MIS Reporting & Portfolio Monitoring| Policy Adherence & Regulatory ComplianceMBA in Finance. Driven by precision, not just process — every credit decision I make is backed by data, judgment, and accountability.Open to credit underwriting, credit analyst, and risk roles in lending institutions, NBFCs, and banks.
Experience
Assistant Credit Manager
Aug 2024 — Present · Bengaluru, IN
Underwrite SME and retail loan proposals end-to-end — evaluating financial statements, banking behavior, bureau reports, and business cash flows to deliver sound credit decisions within defined TAT.• Assess borrower creditworthiness by analyzing P&L statements, balance sheets, ITRs, and bank statements to determine repayment capacity and loan eligibility.• Identify credit risks and red flags in proposals; recommend approvals, rejections, or conditional sanctions in line with company credit policy.• Maintain MIS reports tracking portfolio health, approval ratios, and delinquency trends to support risk monitoring and management reporting.• Coordinate with sales and operations teams to resolve document discrepancies and ensure clean case submission, reducing rework and improving processing efficiency.
Education
Kodachadri Government First Grade College, Hosanagara.
Bachelor of Business Administration - BBA, Business Administration and Management, General
CMR Centre for Business Studies,Bangalore
Master of Business Administration, Accounting and Finance
2022 — 2023
SRI RAMAKRISHNA ENGLISH HIGH SCHOOL
High School Diploma
Holy redeemer PU college
Pu, Commerce
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