Dharmendranath Hurkoo
Congomah,D'Epinay
Summary
Seasoned Subject Matter Expert with a knack for delivering high-quality results. Leveraged deep knowledge in respective fields to drive process improvements and innovation, enhancing overall productivity. Strengths include strong analytical skills, problem-solving abilities, and excellent communication skills that aid in bridging gaps between technical and non-technical teams. Previously contributed significantly towards business growth by implementing strategic initiatives based on industry trends and best practices.
Overview
36
36
years of professional experience
Work History
Head of Business Banking, SME and Micro Finance
SBM Bank (Mauritius) Ltd
Port Louis, .
08.2023 - Current
- Worked closely with human resources to support employee management and organizational planning.
- Identified areas for improvement, narrowing focus for decision-makers in making necessary changes.
- Utilized document management system to organize company files, keeping up-to-date and easily accessible data.
- Facilitated training sessions for new employees on company policies and procedures.
- Wrote and submitted reports on industry trends, prompting managers to develop business plans.
- Managed customer relations by responding promptly to inquiries, complaints, and feedback.
- Created plans to propose solutions to problems related to efficiency, costs or profits.
- Oversaw quality control to identify inconsistencies and malfunctions.
Head of SME and Micro Finance
SBM Bank (Mauritius) Ltd
Port Louis, .
12.2022 - 07.2023
Cheif Credit Officer-Acting CEO in Absence of CEO
SBM Bank (Mauritius) Ltd
Port Louis, .
12.2021 - 11.2022
- Developed and implemented a credit policy to ensure compliance with applicable laws, regulations and industry standards.
- Requested financial documents from customers.
- Trained rookie credit staff in application processing, credit analysis and loan disbursement to detect and curb fraud.
- Provided leadership in establishing internal controls over all aspects of the lending process including loan origination, underwriting and servicing activities.
- Assessed customer credit files regularly to review receivables.
- Managed a team of analysts responsible for performing detailed analysis on prospective clients' financial statements prior to extending credit lines.
- Followed banking requirements and government lending regulations.
- Cultivated and maintained comprehensive industry knowledge to assess risk solutions and maximize returns.
- Reviewed credit applications for accuracy, completeness and soundness of credit decisions.
- Collaborated with credit association and business representatives to exchange valid credit information.
- Conducted periodic portfolio reviews to assess overall performance, trends, concentrations and exposures.
- Monitored and maintained compliance with internal controls and government regulations.
- Ensured timely renewal of existing loan facilities as well as extension of new loans when appropriate.
- Presented key information to upper management and executive team for loan recommendations.
Acting Head Credit Underwriting Team
SBM Bank (Mauritius) Ltd
Port Louis, .
08.2021 - 12.2021
- Demonstrated strong problem-solving skills, resolving issues efficiently and effectively.
- Recognized by management for providing exceptional management and leadership skills
Head Special Assets & Team Leader in Credit Team
SBM Bank (Mauritius) Ltd
Port Louis, .
07.2016 - 07.2021
- Collaborated closely with team members to achieve project objectives and meet deadlines.
- Achieved cost-savings by developing functional solutions to problems.
- Prioritized and organized tasks to efficiently accomplish service goals.
Head of SME Banking
SBM Bank (Mauritius) Ltd
Port Louis, .
04.2015 - 07.2016
- Maintained up-to-date records of all transactions related to SME activities.
- Developed effective communication channels between internal departments at the SME.
- Identified areas of improvement in operational processes and procedures within SME.
- Provided training sessions for new employees at the SME.
Head of Business Banking and SME
Barclay's Bank Mauritius Ltd
Port Louis, .
05.2013 - 03.2015
- Implemented strategies to take advantage of new opportunities.
- Developed effective communication channels between internal departments at the SME.
- Identified areas of improvement in operational processes and procedures within SME.
- Maintained up-to-date records of all transactions related to SME activities.
- Monitored operations and reviewed records and metrics to understand company performance.
- Provided training sessions for new employees at the SME.
- Analyzed key performance indicators to identify effective strategies.
- Identified areas for improvement, narrowing focus for decision-makers in making necessary changes.
- Identified needs of customers promptly and efficiently.
- Assessed company operations for compliance with safety standards.
- Created plans to propose solutions to problems related to efficiency, costs or profits.
Portfolio Lead Corporate Banking
SBM Bank (Mauritius) Ltd
Port Louis, .
02.2004 - 04.2013
- Negotiated terms and conditions of commercial loans with customers on behalf of the bank.
- Coordinated with other departments to ensure customer service standards were met.
- Managed the day-to-day operations of a team of corporate banking officers.
- Created financial management mechanisms to minimize financial risk to business.
- Analyzed financial statements and risk factors associated with potential investments.
- Analyzed financial statements and credit reports to determine creditworthiness of potential borrowers.
- Monitored customer accounts to ensure compliance with established policies and procedures.
- Responded promptly and professionally to customer inquiries or complaints.
- Maintained relationships with external partners, vendors, and suppliers.
- Provided financial analysis and strategic advice to corporate clients.
- Conducted regular portfolio reviews to identify potential areas of improvement or growth opportunities.
Analyst-Intensive Care Unit
SBM Bank (Mauritius) Ltd
Port Louis, .
03.2002 - 02.2004
Analyst Corprate Banking
SBM Bank (Mauritius) Ltd
Port Louis, .
01.1998 - 02.2002
- Identified needs of customers promptly and efficiently.
- Maintained accurate records of all data collected during analysis processes.
- Determined consumer needs to provide products and services appealing to larger market.
- Analyzed company's expenditures and developed financial models.
- Organized client meetings to provide project updates.
- Approached customers and engaged in conversation through use of effective interpersonal and people skills.
- Assisted with customer requests and answered questions to improve satisfaction.
Clerical Officer Retail Banking Ans Credit Underwr
SBM Bank (Mauritius) Ltd
Port Louis, .
03.1989 - 11.1998
Education
Post Graduate Diploma in Law - Law
University of Leeds
UK08-2023
MBA - Finance
University of Leicester
UK08-2008
Diploma - Management
University of Leicester
UK08-2004
Certificate - Banking Studies
University of Mauritius
Mauritius 08-1991
Skills
- Followed various workshops and conferences on Leadership skills, Customer service, Corporate Banking, project Finance, Moody's, Management Skills, Negociations
Languages
English
Proficient
C2
French
Proficient
C2
Hindi
Proficient
C2
Personal Interests
- Sports
- Travelling
- Reading
Timeline
Head of Business Banking, SME and Micro Finance
SBM Bank (Mauritius) Ltd
08.2023 - Current
Head of SME and Micro Finance
SBM Bank (Mauritius) Ltd
12.2022 - 07.2023
Cheif Credit Officer-Acting CEO in Absence of CEO
SBM Bank (Mauritius) Ltd
12.2021 - 11.2022
Acting Head Credit Underwriting Team
SBM Bank (Mauritius) Ltd
08.2021 - 12.2021
Head Special Assets & Team Leader in Credit Team
SBM Bank (Mauritius) Ltd
07.2016 - 07.2021
Head of SME Banking
SBM Bank (Mauritius) Ltd
04.2015 - 07.2016
Head of Business Banking and SME
Barclay's Bank Mauritius Ltd
05.2013 - 03.2015
Portfolio Lead Corporate Banking
SBM Bank (Mauritius) Ltd
02.2004 - 04.2013
Analyst-Intensive Care Unit
SBM Bank (Mauritius) Ltd
03.2002 - 02.2004
Analyst Corprate Banking
SBM Bank (Mauritius) Ltd
01.1998 - 02.2002
Clerical Officer Retail Banking Ans Credit Underwr
SBM Bank (Mauritius) Ltd
03.1989 - 11.1998
Post Graduate Diploma in Law - Law
University of Leeds
MBA - Finance
University of Leicester
Diploma - Management
University of Leicester
Certificate - Banking Studies
University of Mauritius