Head of Retail Risk Unit
National Bank of Greece
Total years of experience :47 years, 6 months
Responsible for :
1. Credit Initiation Dept.
2. Collection & Recovery Dept.
3. Fraud Dept. (Applications and Transactions).
• Special Assignments projects related to top management
• Follow up with branches for Facilities Renewal
• Monitoring Irregular transactions for branches
• Rectify special data for branches & other Departments
• Support branches for any problems may arise
• Follow up irregular & over due Accounts with Branches
• Follow up with central Depts. to ensure complete adherence from Branches
• Have control over branches to assure adherence to policies & procedures
• Setting plans for any missing process in cases of any
• Monitoring exceptions for Term Deposits & Current Accounts (Rates ..etc)
• Monitoring & follow up Dormant Accounts with Branches
• Review and collect documents related to listed companies approval
• Reports credit committee approvals for credit cases
R.M Abu Dhabi
After the successful tenure as Branch Manager, Dubai branch, I was selected to lead
Abu Dhabi Region as RM tasked. With the objective of achieving regional goals set
by the bank, This involved implementing high managerial skills to Motivate and
Coaches many staff to achieve good results. Another important role was
managing our stakeholders and clients as well as utilizing available resources to
Maximize profit. This was accomplished through the following:
Achievements:
. Increased branch achievements from 60% to 110%
. Managed to enhance staff performance by setting a successful training plan
. Maximized the utilization of staff capacity by setting a successful job rotation plan
. Improved customer satisfaction & corporate image and brand
. Suggested
successful amendments for products development
. Managed to set a successful structure for SLA’s with the top management and agreed
. Developed a successful measures for the sales force action plan
. Reduced customers attrition ratio
. Defined Areas of improvement and suggested corrective action and agreed
. Proposed a new strategy for retail recovery resulted in reducing the delinquency
Ration of the branch from 9% to 4% and implemented successfully across UAE Branches
. Increased customer satisfaction survey from 55% to 80%
Branch Manager (Retail):
After succeeding, organizing and managing Sharjah Main branch, as Senior Customer Sales & Service Officer I was promoted to a Branch Manager to Manage Dubai branch. This involved implementing high managerial skills to Motivate and coaches many staff to achieve good results. Another important role was managing our stakeholders and clients as well as utilizing available resources to Maximize profit. This was accomplished through the following:
Achievements:
Increased overall customer satisfaction index by 12% for the branch over and above Bank’s satisfaction index of 75%.
Enhancement of net income by 66% above assigned target.
Achieved and exceeded assigned targets by 46% for Assets and by 36% for Liabilities
Maintained a healthy diversified portfolio (Zero doubtful debts).
Suggested and participated in launching of fleet finance product successfully..
Managed to set up successful business plan and sales plan along with the reporting System.
Received applauds and appreciation from the Audit Team for a well Managed Branch
Overall quality of the Branch increased and also the staff performance enhanced.
Conducted periodical market research and competition scanning.
achieved 96% staff satisfaction due to consistent training, motivation and development of staff skills
Increased the customer base by 167% over previous years
Ensure all customer complaints are promptly and satisfactorily addressed,
Achieved nil complaints due to service.
Developed successfully customers interview plan and analyze feedback
. Created and established a deeper relationship with high networthcustomers
. Improved customer satisfaction & corporate image and brand
.Increased Business Volume and Exceeded Assigned target
. Ensure trouble free branch operation (no single mistake reported)
Monitoring relative deviation to achieve & ensure business risk free
.Conducted internal staff training schedule
Senior Sales & Service Officer
After succeeding, organizing and managing Ajman branch, as Customer Service Officer I was promoted to Sales & Service Officer to Manage Sharjah Main branch. This involved implementing high managerial skills to coaches many staff to achieve good results. Another important role was managing our VIP clients as well as utilizing available resources to Maximize profit. This was accomplished through the following:
Achievements:
Worked in operations, Guarantees, Small Business credit assignments, marketing and
Retail banking.
Handled accounts for High net worth customers (Before establishing VIP Banking unit)
Consistent achievement in sales and profit growth.
Solely authorized to approve credit facility up to the limit of AED 180, 000/-
Increased the branch market share and enhanced business volume.
Branch manager reliever for Sharjah branch
Exceeded assigned financial target every year.
Team leader for sales force Ajman branch.
Appreciation letter from Retail Head for special achievement
Customer complaints resolved in due time adequately and accurately ensuring
Complete customer satisfaction.
• Reduce customer’s attrition ratio.
• Cross selling of more than one products to customers (external & Internal)
• Created and established a deeper relationship with high net worth customers
• Suggested Improvements in system, products, etc……
• Conducted Periodical market research and competition scanning.
• Provided high standards of customer service & built a strong relationship
• Monitoring relative deviation to achieve & ensure business risk free
• Ensure all customer complaints are promptly and satisfactorily addressed,
• Conducted Periodical internal training
• Increased Business Volume and Exceeded Assigned target
*Arrange for Financial Budget
*Handling Monthly and Quarterly Financial Reports
*Letters of Credit, Guarantees
*Fixed Assets
*Cost Invoice, Stock Analysis
*Affiliated Accounts Analysis & Control
*Banks Reconciliation's
*Preparing Cash Flow Position
*Payments to ( Foreign Suppliers Account )
*Accounts Payable
*Fixed assets Depreciation Report
*Revenues Account ( Outlet Sales )
*Expenses, Petty Cash Review
*Review of existing systems of internal controls and procedures
* Checking Al Payments Through Banks
* Preparation of Monthly Entries for :-
A) Petty Cash Expenses (Sales & Admin Dept.)
B) Cheque Issuance & Payments
C) Fixed assets Depreciation Report
* Monthly Analysis for :
A) Suppliers
B) Other Receivable Non Trade
C) Prepaid Expenses ( Rent, Insurance
D) Monthly Accruals ( Utilities, Sales Promotions )
* Banks Reconciliation's
* Conduct Audit Taxation ( Salaries, Sales Tax )
*Day to day functioning of the Accounts/ Finance department.
*Review of existing systems of internal controls and procedures
*Internal Audit Control assignments
Auditor / Taxation Counselor
* Participate Auditing & Taxation Different Types Of Business.
* Conduct of audit assignments of various entries to adhere compliance to regulations
* Review of existing systems of internal controls and procedures
* Evaluate performance of various entities and make recommendations on business,
Processes and capacity utilization.
* Plan and execute audit assignments in accordance with accepted professional
Standards to determine the effectiveness of the system of internal control
* Carry out investigations and special reviews
Good Honored as 1st player (University Team )