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Banking, Lending, Management, and Business Development professional with experience in relationship management, operations, and customer service.

Results-driven category growth leader with 15 years of experience in B2B and B2C, with a proven track record in driving business and revenue growth, optimizing sales performance, building high-performance sales teams, and managing P&L. Well-versed in sales management, account management, customer acquisition, retention, partnerships, and alliances, I have extensive experience in building businesses from scratch through growth & customer focused and business efficiency initiatives.

With over two decades of expertise in credit risk management, CFA & MBA (Finance). Since August of 2019, I am Serving as the Credit Head for North & East Commercial Lending at Bajaj Finance Ltd. In my current position, I actively participate in the development of Bajaj Finance Ltd.'s Commercial Lending business's credit strategy, program, policies, risk appetite, risk procedure, etc. Prior to this, I worked for IDFC Bank for more than 4 years, during which time I had the opportunity to build policies, procedures, and credit programs, among other things, as well as to create an overall risk culture. This gave me platform to leverage the experience gained over the years. In my 8 years stint with HDFC Bank from 2007 I undertook risk role for various verticals such as Business Banking, SME, Mid- Corporates & Large Corporates. My achievements as a risk and portfolio manager have been underwriting risk for worthy credit prospects and building/managing a portfolio yielding consistent return on risk capital and minimize credit losses for the organization.


  Engineering + MBA professional with 18+ years of experience in the Banking & Financial services sector. Expert in advising CXOs on sourcing, credit, collections, digital journey, and alternate data strategies.
  Proven expertise in Sales & Business Development, Risk management and Product innovation.
  Sound Knowledge of Credit & Risk Management, Alternate Data scoring & Decision analytics solutions.
  Retail lending specialist with knowledge of entire Financial services Industry.
  Digital Lending expert with good understanding of new age lending models, requirements and trends.


Zeynab Heydarova

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Overview

Work History

Head of Special Lending

Project Manager in Credit Underwriting Department

Chef specialist in Corporate Banking Department

Lead specialist in Corporate Banking Department

Specialist in Plastic Card Department

Education

Master degree - Finance and credit

Bachelor's degree - Finance and credit

Graduate Certificate -

Timeline

Head of Special Lending

Project Manager in Credit Underwriting Department

Chef specialist in Corporate Banking Department

Lead specialist in Corporate Banking Department

Specialist in Plastic Card Department

Master degree - Finance and credit

Bachelor's degree - Finance and credit

Graduate Certificate -

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