Head of Retail Collection & Corporate Remedial
National Bank Of Oman
Total years of experience :27 years, 5 Months
Manage assets in excess of USD 5 Billion for the bank.
Responsible for loss containment and improving recoveries.
Have successfully transformed collection dynamics by implementing collection quick wins in a short span of time.
Have delivered the best ever Collection numbers for the bank in its 43 year history.
As Head of Retail collection, am a key member advising the CRO on matters pertaining to Credit Risk, Operation Risk, Policy & procedures.
Provide risk based advisory services to the management and staff in the context of internal audit work. Work independently under general direction with extensive latitude for initiative and independent judgment & apprise management on all key risk (strategic, financial & operational) issues peratining to functioning of the Consumer Banking Division.
Carry out risk based performance, financial and compliance audit for all divisions in the bank as per the approved internal audit methodology.
Responsible for drafting audit programs & audit plan for all future requirements. Offer major inputs to development of the annual internal audit plan as well as the training, coaching and supervision to Internal Audit staff.
Currently assigned to a collection project to stem increasing provisioning in the Retail portfolio.
Officiated as an integral member of the Collection Strategy team formulating core Collection strategy for effective reduction of delinquent stock & losses. Was officiating as a strategy SPOC, in Cost rationalisation & Hiring, projects.
Was the sole owner of the loss and provision settlement process wrt to settlement losses, loss reserving and other key metric driven by the same.
Was officiating as the Recovery lead for North, East & West- India, in doing so I had a span of managing more tahn 50 locations
Manage the biggest branch in Eastern India for the company.
Managed branch operations ans was responsible controlled business growth. Generated revenue through cross-sell products. Ensured account retention by providing satisfactory service and maintaining good rapport with clients.
Maintained FTE productivity. Designed and implemented effective training program for branch employees.
Entrusted with managing Retail Debt management for Cards, Auto, PL & Home Loan portfolio.
Formulating & Implementing Collection Strategies & maintain delinquency within acceptable limits by effectively implementing strategy for remedial action instituted for recovery of debts. Controlled Collection Agency Management in most measurable metrics.
Managed Retail Credit and supervised processing & sanction of Loans.
Agency Manager in Retail Collection reporting to Regional Collection Manager. Entrusted with management of Credit Risk of the Auto Loan portfolio.
Trainee in Retail Liabilities unit reporting to RSM Liabilities
Diploma Programme in AI for Leaders
It is Post Graduate Diploma in Business Management fromm IIM Calcutta. IIM Calcutta is one of the best institution in the field of management education. This is 3 year Executive program where selection is done through CAT ( Common Admission Test) followed by interviewing process which includes discussion, analysis of industry cases, etc.
Bachelor of Commerce. This is a 3 year programme after high school. While pursuing this course, I had also completed Intermediate level in Costing.