Mohammad has carved a career path defined by analytical precision, process innovation, and a commitment to improving credit risk practices. From building expertise in model validation to leveraging technology for operational efficiency, his professional trajectory reflects a passion for shaping smart, data-driven credit decisions.

What inspired you to pursue a career in credit?

“I’ve always been drawn to understanding financial risk and its impact on businesses,” Mohammad shares. “Credit, being at the heart of financial decision-making, offered me the chance to blend analytical skills with strategic thinking.” Early in his career, he realized the crucial role of credit risk management in maintaining the health and stability of financial institutions. “It motivated me to build my expertise in this space,” he recalls.

Career highlights

Mohammad’s career spans roles across data analytics, model validation, and credit risk management.

• Ocwen Financial Services: Starting as a Loan Verification Analyst, he ensured data integrity in loan documents.

• Willis Tower Watson: Transitioning to US Technical Services, he managed data entry and quality checks, collaborating across teams to refine processes.
• CRISIL (S&P Global): During his six years here, he focused on risk and control model validation, credit rating models, and data analytics.
• Bank of America: Currently, he serves as an Analyst within the Wholesale Credit Data Research team, leading efforts in process automation, control governance, and portfolio management.

Reflecting on his current role, Mohammad highlights the dynamic elements that make his work both challenging and rewarding. “I work closely with investment managers, fund administrators, and internal audit teams to ensure accurate and timely credit data reporting.

“I lead quality reviews, automate processes using Alteryx and Python, and collaborate with investment managers and internal audit teams to ensure accurate credit data reporting.

“Balancing efficiency with stringent governance and compliance requirements keeps the work stimulating.”

Significant achievements

Among his many accomplishments, Mohammad is particularly proud of his contributions to technology-driven efficiency improvements. At Bank of America, he designed and implemented an automated NAV comparison tool using Alteryx and Python, cutting manual reconciliation time by more than 50%. “This initiative enhanced data quality and allowed the team to focus on analysis rather than manual checks,” he explains. “It’s incredibly satisfying when you see such process improvements deliver tangible benefits.”

His tenure at CRISIL also stands out for its impact. Managing the Model Repository for credit rating models, he ensured model lifecycle governance, delivered quality checks, and created automated reports that provided senior stakeholders with enhanced transparency and monitoring capabilities. “Seeing these reports improve decision-making at a strategic level was particularly rewarding,” he adds.

Advice for aspiring credit professionals

Mohammad emphasizes the importance of continuous learning in the dynamic field of credit risk. “Global events constantly shape and influence the credit landscape, so staying informed and adaptable is crucial,” he advises.

He also points to the importance of combining technical and interpersonal skills. “Develop strong analytical skills, but don’t stop there. Build the ability to communicate complex credit concepts simply to non-technical stakeholders,” he suggests. A natural curiosity is also equally essential. “Understanding the ‘why’ behind credit decisions will make you a better credit professional.”

Key skills for success

For those considering a career in credit, Mohammad identifies a few essential qualities:

• Analytical mindset: “The ability to dissect financial statements and data to find trends and risks is vital.”
• Attention to detail: “Even small inconsistencies can have a big impact on credit decisions.”
• Communication: “Translating technical insights into actionable recommendations is a must.”
• Integrity and objectivity: “Credit professionals must make balanced and fair decisions.”

Final reflections

Looking back on his career, Mohammad finds joy in transforming data into actionable insights. “Collaborating with diverse teams from data analysts to credit officers makes the work dynamic and rewarding,” he reflects. “Seeing how process improvements lead to tangible business benefits is the most satisfying part of my job.”

For Mohammad, a career in credit is an opportunity to innovate, collaborate, and make impactful financial decisions. His dedication, expertise, and passion are a testament to the meaningful contributions credit professionals can achieve.