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MOHAMMED SAJIDMS
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MOHAMMED SAJID

@mohammedsajid2

Credit Operations-India Lead at HSBC, leading global financial statement analysis and CRR teams while advancing automation and AI integration.

India
Message

At HSBC, I lead global teams conducting financial statement analysis and generating Credit Risk Ratings (CRR) for corporate and large corporate customers. I manage relationships across the UK, US, APAC, and MENA, supporting periodic reviews for existing customers and new business.

At HSBC, I’ve also spearheaded automation and AI integration initiatives to improve operational efficiency, turnaround times, and productivity. I oversee performance management against service-level agreements and quality standards, and have contributed to customer-experience projects and operational risk controls.

At Jana Small Finance Bank, I managed operational controls and governance across 450 branches as Operations Controller, while heading Operations Training and delivering process and operating-manual revisions for more than 500 staff. Earlier, as VP & Zonal Service Delivery lead, I managed operations across 60 branches and led a team of 240–250 employees.

I’ve also worked across branch banking, regional operations, and service delivery, including as Regional Operations Manager at Jana Small Finance Bank and Branch Manager at ICICI Bank. I’m CPID (ADDIE) certified and have designed and facilitated instructor-led training using adult-learning principles, experiential learning, and practical case-based instruction.

Experience

Work history, roles, and key accomplishments

HS
Current

India Lead-Financial Statement Analysis, Credit Operations

May 2023 - Present (3 years 6 months)

Responsible for leading Global Teams based out of Bang/Hyd/Kolkata to perform Financial Statement Analysis and generate CRR. Leading teams of Financial Analysts and Credit Risk Rating (CRR) for regions like UK/US/APAC/MENA/catering Corporate and Large Corporates to carry out periodic reviews for ETB and NTB customers for new business. Managing relationships globally and spearheading Automation /AI

Jana Small Finance Bank logoJB

Operations Controller at Jana Bank

Jana Small Finance Bank

Mar 2022 - May 2023 (1 year 2 months)

As Operations Controller, I managed the COO office, overseeing operational controls and
governance across 450 branches. I ensured alignment with key performance indicators (KPIs) and operational
benchmarks while implementing robust AML and KYC monitoring frameworks. My role involved conducting
audits and assessments of operational workflows to identify inefficiencies and drive corrective measures.

Jana Small Finance Bank logoJB

VP & Zonal Service Delivery lead

Jana Small Finance Bank

Sep 2020 - Oct 2022 (2 years 1 month)

In this role, I managed day-to-day operations across 60 branches in Karnataka, Tamil Nadu, and
Hyderabad, leading a team of 240-250 employees. I focused on implementing key performance metrics
related to service delivery and operational controls, driving consistent performance improvements. My
responsibilities included supervising customer service functions and enhancing customer satisfaction.
Ach

Jana Small Finance Bank logoJB

Regional Operations Manager

Jana Small Finance Bank

Sep 2016 - Sep 2021 (5 years)

I look after the entire Banking and MFI operations of 15 branches under Kolkata South region . Day to day Banking Operations

Being the Nodal Officer to RBI , Liaisons with different different departments.P&L, oversight of Business Target achievement,Front end Operation ,customer relationship,Portfolio Quality ,Audit & Compliance, Managing Vendors,Industries Bodies, Complaints.

Operation Excellen

Concentrix logoCO

Delivery Manager

Sep 2015 - Sep 2016 (1 year)

I oversaw a large team of 120 executives in risk and personal banking operations, ensuring service
excellence and operational efficiency. My role involved managing collections teams and driving performance
improvements while adhering to established service quality standards.
Achievements: I successfully enhanced operational efficiency and service quality, leading to improved
performance metrics ac

KT

Partner

Kapaas Trading

May 2014 - Sep 2015 (1 year 4 months)

Manufacturing of High- End women wear, Manufacturing Unit was in Bangalore and Supply was in East

ICICI Bank logoIB

Branch Manager

ICICI Bank

Sep 2006 - Mar 2014 (7 years 6 months)

Day to day Retail Branch Banking ,RadhaBazaar Branch

Wipro Technologies logoWT

Team Lead Manager

Sep 2004 - Sep 2006 (2 years)

Technical Support for troubleshooting Dell Computers

AL

Team Lead

Accenture Services Private Limited

Sep 2003 - Sep 2004 (1 year)

Worked as Team Lead at Accenture Services Private Limited.

AP

Team Lead

Accenture Bpo Service PrivateLimited.,

Jul 2003 - Sep 2004 (1 year 2 months)

Technical support for SBC Yahoo - DSL / Dial up

GE

Process Developer

GECIS

Mar 2001 - Jul 2003 (2 years 4 months)

Collection Queue handling for GE private label credit cards. Process Trainer for all new hires and In nesting period.

BG

Group Executive

Bennet Coleman & Co. Limited, The Times Group

Mar 2000 - Mar 2001 (1 year)

Circulations

TI

Group Head

Times of India

Jan 2000 - Mar 2001 (1 year 2 months)

Worked as Group Head at Times of India.

Education

Degrees, certifications, and relevant coursework

University of Calcutta logoUC

University of Calcutta

Bachelor of Commerce, Accounting

UD

Udemy

CERTIFICATE PROGRAM IN INSTRUCTIONAL DESIGN (ADDIE MODEL), Educational/Instructional Media Design

2026 - 2026

NL

NATIONAL TECHNICAL PROGRAM ON ENHANCED LEARNING

Financial Accounting, Financial Accounting

2023 - 2023

Indira Gandhi National Open University (IGNOU), Delhi  logoID

Indira Gandhi National Open University (IGNOU), Delhi

Master of Business Administration - MBA, Marketing

2008 - 2013

Tech stack

Software and tools used professionally

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