BIJESH BALAN

MIS maintenance & reporting.
✓ Preparation of loans & credit card portfolio.
✓ Preparing credit card spends reports.
✓ Preparation of daily dash boards & KPI's.
✓ Preparation of adhoc reports as per management request.
✓ Preparing base for cross selling &campaigns.
✓ Preparation of business performance reports (Branches, Direct Sales).
✓ Assisting finance team for budgeting.
✓ Ensure data integrity in all reporting’s. Assure timely report preparation and its distribution to the
management.

 MIS maintenance & reporting.
 Preparation of loans portfolio.
 Preparation of credit card portfolio.
 Preparation of daily dash boards & KPI's.
 Preparation of Central bank reports ( Business Return Forms)
 Preparation of CBUAE regulatory reporting returns
 Ensure data integrity in all reporting’s. Assure timely report preparation and its distribution to the management.

MIS maintenance & reporting.
✓ Preparation of loans portfolio.
✓ Preparation of credit card portfolio.
✓ Preparing credit card spends reports .
✓ Preparing and analyzing monthly credit analytics pack containing information on loan delinquencies, Gross Write offs (GWO’s), segment wise, region wise, income wise, NPL, Delinquency wise, Industry Wise.
✓ Standardize, automate, enhance and disseminate adhoc reports and routine MIS
✓ Preparation of daily reports for E channels ( Mobile Banking, Internet Banking, ATM's)
✓ Preparation of monthly reports.
✓ Preparation of daily dash boards & KPI's.
✓ Preparation of business performance reports ( Branches, Direct Sales, Wealth management, Channels).
✓ Preparation of adhoc reports as per management request.
✓ Preparing base for cross selling & campaigns..
✓ Ensure data integrity in all reporting’s. Assure timely report preparation and its distribution to the management.

 Preparation of Retail & SME loans Portfolio.
 Monthly preparation of credit analytics pack - Portfolio Review
 Preparing and analyzing monthly credit analytics pack containing information on loan delinquencies, Gross Write offs (GWO’s), segment wise, region wise, income wise, NPL, Deliquency wise, Industry Wise.
 Close interaction with portfolio managers on the portfolio’s monthly performance
 Preparation of daily dash boards.
 Preparation of MIS reports for the daily logins & disbursements of retail products
 Preparation of adhoc reports as per management request.

 Preparation of Mortgage portfolio report.
 Preparation of Wealth management portfolio report.
 Preparation of adhoc reports as per management request.
 Preparation of MIS reports for the daily disbursements of retail products
 Preparation of wealth management reports ( LTV reports )
 Preparation of daily dash boards
 Preparation of settlement reports

 Minimized manual and ad-hoc reporting by automating periodical reports leveraging available reporting technologies.
 Monitoring KPIs to identify business problems and providing recommendations to the upper management for addressing probable shortcomings; thus enhancing business productivity.
 Preparation of daily dash boards for the management .
 Drafting and automating reports, providing reviews in addition to ad-hoc reporting to drive management strategies in direct coordination with the senior management.
 Preparing base forcross selling.
 Reconciliation of GL’s.
 Monthly preparation of credit analytics pack ( Portfolio Deck )
 Preparing and analyzing monthly credit analytics pack containing information on loan delinquencies, Gross Write offs (GWO’s), segment wise, region wise, income wise.
 Monthly preparation of portfolio performance for loans - Smart loans, Overdraft, Non salary transfer loan .
 Preparing the monthly base data for products like smart loan, overdraft, non salary transfer loan.
 Product wise portfolio performance analysis and central bank report on IFRS ( International Financial Reporting Standards )
 Close interaction with portfolio managers on the portfolio’s monthly performance.
 Generating MIS and reports of the internal clients as per the requirements and query handling .
 Daily reporting of application inflow, volumes disbursed and applications approved with higher authority escalation.
 Preparation of adhoc reports as per management request.
 Providing data to finance department ( data for Revenue, NPL, ENR, Accounts etc ) and other departments as per their requirements.
 Performance of regular UAT related to system enhancement of LAPS co-ordinating with IT for issues
raised in UAT
 Preparation of daily MIS reports for Credit Initiation Unit, RCAD, Collections, FRMU& Operational Risk.
 PAN UAE report for retail products
 Daily approved and decline applicat,
 Daily Open/ pending , resubmission & on hold applications
 Deviation approved applications
 TAT report for approved & declined applications
 Staff performance ( Analyst & Data entry)
 Preparation of wasis report .
 Preparation of Deliquency report, write off & Recovery Reports
 Preparation of Monthly calling list for collection.
 Preparation of Conveyance allowance report for collection officers.

Achievements:

 Was part of the UAT team for testing and implementing the Loan-on-Cardsin LAPS system
 Was part of the UAT team for testing and implementing the Etihad credit card in LAPS system
 Represented credit team in testing the ITQAN system (360degree view) and successfully trained staff in using the system for the day-to-day activities