Summary
Overview
Work History
Education
Skills
Training
Personal Information
Language Capabilities
Timeline
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Wassila Bibi Nadia Bhujoo-Hosany

Vacoas,Mauritius

Summary

Accomplished finance professional with a proven track record at MCB Ltd, leading successful restructuring and digitalization initiatives that enhanced operational efficiency and customer experience. Expert in banking software with a knack for strategic thinking and empowering teams. Achieved significant risk mitigation and process improvements, demonstrating strong analytical and leadership skills.

Overview

25
25
years of professional experience

Work History

Team Leader Credit Analysis and Monitoring

MCB Ltd
01.2020 - Current
  • I currently oversee 2 teams – Credit Analysts Team and Covenants Team - comprising of 25 persons – Senior Credit Analysts, Credit Analysts, Covenant & Credit Monitoring Specialists and Covenant & Credit Monitoring Lead
  • The Credit Analyst Team is responsible for the prompt assessment of credit requests, with appropriate terms and conditions in line with the riskiness of the borrower's profile
  • The Covenants Team ensures the proper monitoring and review of conditions and covenants set for credit facilities and the prompt reporting of any identified breaches
  • I was also previously overseeing the Documentation Team, comprising of 7 Documentation Specialists and 1 Documentation Lead and whose main tasks were the preparation of facility and security documentation, ensuring the prompt set up of these facilities after clients' acceptance and the follow up of conditions subsequent post granting of these facilities
  • Upon taking over these teams, a complete restructuring of all processes, ways of working with all key stakeholders and team structures
  • These had a significant impact on quality and improve customer experience
  • As part of business processes review and continuous improvement, some processes and credit requests have been digitalised and automated with the integration of a Credit Scoring Model and Digital Products [Express Overdraft and Loan facilities on Juice Pro app]
  • This has brought along efficiency and increase the teams capacity for other more complex tasks
  • The Covenants Monitoring Team was also set-up to better manage the Bank’s exposures, mitigate risks of defaults and to closely monitor project related credit files
  • I am involved in the crafting of KPIs for the different teams and set performance expectations for the teams, monitoring progress towards goals and providing constructive feedback as needed
  • Empowered team members by delegating responsibilities according to individual strengths and areas of expertise
  • Managed conflict resolution among team members, fostering a positive and collaborative work environment
  • Maintained an inclusive and diverse team culture, promoting respect and understanding among all members
  • New polices were also devised and put in place to better serve the Business Banking segment
  • I am also involved in the strategic decision making process

Senior Credit Analyst

MCB Ltd
08.2017 - 12.2019
  • With greater involvement in more complex credit files and large corporate clients [domestic and international]: managed large corporate groups with significant risk exposures, liaising with their Finance Directors for banking facilities and requirement and additional information/documents for processing of credit requests and post monitoring of these facilities after disbursement
  • Involved in many consortium financing whereby MCB was the lead bank
  • Ensured completeness of documents and conditions precedent for disbursement of facilities
  • Continuous monitoring of covenants and ensuring same are met for allowing payment of dividends, release of funds for new investments opportunities by some large property investment companies and release of documents/funds for trade finance requirements
  • Involved in bonds financing and subscriptions and bidding exercises
  • Worked with local and international lawyers for international financing and got versed with some international laws and regulations

Corporate Credit Analyst

MCB Ltd
12.2010 - 08.2017
  • Engaged in: in depth understanding of business models by showing pro-activeness in requesting clients for any additional / relevant information that may be required
  • Detailed credit & financial analysis and assessment of client files to identify and understand their business needs and requirements
  • Regular discussions & meetings with clients to better understand their business models / cycles and banking requirements and propose appropriate solutions for clients that are experiencing difficulties to ease & facilitate their repayment capacity, whilst ensuring the Bank’s rules and regulations are respected
  • Regular monitoring are also being made for these clients

Credit Analyst

State Bank of Mauritius Ltd
09.2007 - 11.2010
  • Was involved in the processing and analysis of corporate requests for banking facilities (corporates engaged in various sectors of the economy, including real estate and project financing)

Bank Officer

State Bank of Mauritius Ltd
07.2005 - 09.2007
  • Main responsibilities included the preparation and control of budgets, liaising with suppliers of the Bank for procurement requirements, discussing with Bank’s insurance broker regarding claims and policies of the Bank and negotiating with landlords of the Bank’s leased properties

Intern

State Bank of Mauritius Ltd
06.2004 - 07.2004
  • Involved in the processing of internal and inter-bank transfers

Intern

State Bank of Mauritius Ltd
05.2003 - 06.2003
  • Involved in the processing of internal and inter-bank transfers

Audit Clerk

KPMG
05.2000 - 07.2000
  • Company Overview: Public Accountants & Business Advisors Firm
  • Involved in the auditing of companies’ final accounts
  • Public Accountants & Business Advisors Firm

Education

Msc - Finance

University of Mauritius
01-2010

BSc (Hons) - Finance with Law

University of Mauritius
01-2005

Higher School Certificate - Accounting, Economics, Mathematics, General Paper, French O’Level

Dr Maurice Cure SSS
01-2000

School Certificate -

Dr Maurice Cure SSS
01-1999

Skills

  • Microsoft Office Proficiency
  • Banking Software Expertise
  • Leading with empathy and emotional intelligence
  • Negotiation
  • Persuading and influencing
  • Creating and Innovative
  • Solutions-oriented
  • Strategic thinking
  • Promoting the growth of people
  • Team supervision
  • Giving constructive feedback
  • People management
  • Coaching and mentoring
  • Change management
  • Process improvement
  • Analytical thinking

Training

  • Women in Leadership
  • Leadership Excellence Programmes
  • Programmes on being an Impactful Leader
  • Having Crucial Conversations
  • Emotional Intelligence and Well-being
  • Strategic Decision Thinking
  • Negotiation Techniques
  • Leading in a Digital World
  • Trade Finance
  • Credit Analysis, Documentation & Covenants Monitoring

Personal Information

  • Date of Birth: 04 March 1983
  • Gender: Female
  • Nationality: Mauritian
  • Marital Status: Married

Language Capabilities

  • English
  • French

Timeline

Team Leader Credit Analysis and Monitoring

MCB Ltd
01.2020 - Current

Senior Credit Analyst

MCB Ltd
08.2017 - 12.2019

Corporate Credit Analyst

MCB Ltd
12.2010 - 08.2017

Credit Analyst

State Bank of Mauritius Ltd
09.2007 - 11.2010

Bank Officer

State Bank of Mauritius Ltd
07.2005 - 09.2007

Intern

State Bank of Mauritius Ltd
06.2004 - 07.2004

Intern

State Bank of Mauritius Ltd
05.2003 - 06.2003

Audit Clerk

KPMG
05.2000 - 07.2000

Msc - Finance

University of Mauritius

BSc (Hons) - Finance with Law

University of Mauritius

Higher School Certificate - Accounting, Economics, Mathematics, General Paper, French O’Level

Dr Maurice Cure SSS

School Certificate -

Dr Maurice Cure SSS

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Wassila Bibi Nadia Bhujoo-Hosany