Unit Manager
dubai bank
Total years of experience :26 years, 4 Months
Oct. 2008 to Date.Dubai Bank
Unit Manager- Unsecured Products
* Accuracy on review & analyzing Of New & Existing Request for all the products (Adhere To The Policy & Procedures)
* Ensure excellent TAT for Exiting Maintenance Request & Diligent System Updates.
* Ensure error rates are within Operational plan.
* Maximize staff productivity.
* Ensuring objectivity in performance Management. Monitoring of SOP's and provide qualitative and quantitative feedback on a monthly basis
* Ensure training is maintained through establishing a yearly training calendar
* Implement rigorous (RCSA) and monthly testing process in the unit
* Certified for Card, Personal and Auto Finance with Approval & deviation Authority.
* Involved in few policy changes which help in reducing TAT & increasing the approval rate.
* Reduced rework time & increased 1st approval rate.
* Worked on process maps and training manuals for all unsecured products (Card, Personal Finance, Souq Finance, Personal Finance reschedule, ICD)
* Enhance the process such as moving Supplementary & Ecard approval process from CIU to Operation.
* Worked on Customer Inquiry and Complain Management to reduce TAT and to have 1 system to record all requests
* Achieved 100% TAT within 2 days for all unsecured products.
* Worked closely with Fraud unit and prepared Fraud Training material to be used to train employees across the bank.
* Contributed and worked with other Units as well as the entire Bank during the High 5 Projects.
* Selected as internal Dubai Bank Mentor
* Embedded the importance of 2BD and service within the organization through Coaching and mentoring Front end staff.
* Conducted different Training across the bank.
* Royal Banking process for Relationship Managers
* Optial System under Operational Risk Management
* Verification Training
* Campaign and lead management across all branches in different Emirates
* Being a Back up The Unit Head & Assistant Manager for Secured Product
Nov. 2007 to Sept. 2008 Citibank N.A Dubai, U.A.E.
Business Development Officer
* Handling Citigold segment (High profile customers)
* Working on developing the product.
* Working on increasing the portfolio of this segment
* Handling all inquiries from Relationship Managers and branches
* Working on promotions, arranging events and flyers and brochures
* Worked in launching Citibank Kuwait & Islamic product
* Worked on launching Emirates-Citibank Debit Card
* Launched the new citigold website
* Worked closely with Emirates Skywards Team on miles transfer on Debit Card
* Sept. 2007 - Nov 2007 Citibank N.A. Dubai, U.A.E.
Process Control Manager
* Manage Credit Initiation processes
* Provide leadership to product processing teams to achieve Product Credit Initiation goals.
* Ensure timely feedback to account fulfillment head on product specific risk/service issues.
* Focus on quality control, with reduction in Policy and DE errors.
* Working As E-RCSA & QA Co-coordinator.
* Deliver 100% satisfaction in Audit, QA and Peer Review rating
* Ensure that unit staff are sufficiently trained and have the tools required to process applications in a cost effective manner. To liaise with Learning center and facilitate training for all staff
* Streamline processes for maximum efficiency.
* Manage the product processing teams for maximum productivity.
* Provide support to launch products/projects in line with customer needs and business strategic objectives
Mar 2006 to Sept 2007 Citibank N.A. Dubai, U.A.E.
Support Manager (Support II)
* Handle internal & external verification team.
* Verifying customers details with the employer and with customers themselves
* Reviewing Fraud sampling check
* Analyzing verifier decision on cancel/reject verification
* Involved in changing the process of verification & involved in few policy changes which help in reducing TAT & increasing the approval rate.
* Work closely with sales during applications review and analysts to minimize the rejections.
* Coordinate with Citibank Pakistan for outsourcing Home country verification to Pakistan.
* Initiate Internal MIS to record number of field visit and feedback on each visit
* Monitor the caps assigned by policy for each type of verifications
Feb 2007 to Sept 2007 Citibank N.A. Dubai, U.A.E.
Support Manager (Support I)
* Handled application inflow (from the time the files enter to the unit till it reaches to the analyst level)
* Ensure all required check is been done for each application such as: * Central Bank check
* Checking customer's relationship with the bank & the history of payments
* Data Enter to all required corporate cards, supplementary & e-cards to the system.
* Handle all kind of MIS such as: * Inflow MIS
* Address change report.
* Managing a team of total 20 staff, handling their goals, appraisals & all staff related.
* Worked on outsourcing the dept. function to India
* Worked on all documentation required and capacity plan, legal and compliance approvals, documentation required to start the business in India
* Coordinate with Citibank India (e-serve) to handle the de-dupe activity.
* Trained the CGSL Team on the system and process
July 2005 - Mar 2006 Citibank N.A. Dubai, U.A.E.
Team Leader
Handled loans Team total of 10 analysts working in different products (PIL, STL, BLN and UTD) and completed all online cleanup projects successfully. Projects included: * Resolves customers request & inquiries in respect of the services after sales
* Inspect & evaluate the proposals received from various branches. Having deviation Authority to evaluate all proposals.
* Preparing Daily MIS & Key Productivity Indicator.
* Managing TAT on decision files.
* Reviewing all cancelled /Rejected files with sales.
* Follow up on all applications sent to Fraud unit & the process of black listing the negative customers.
* Involved in few policy changes which help in reducing TAT & increasing the approval rate.
* Evaluate the analysts performance through Standard Of Performance
* Analysts goals, Job descriptions & appraisals
* Training analysts on new policy and promotions
July 2001 - July 2005 Citibank N.A. Dubai, U.A.E.
Credit Analyst
Worked as an analyst for different products for new customers and establish customers such as Card, Loans, UTD, Auto loan and handled all ECCMS inquires for existing customers
* Analyze and process applications (across products) and supporting documents as per laid down policies & procedures
* Being vigilant enough to identify fraudulent/forged documents or incorrect information and reports to all concerned people for further investigation
* Got Sign off authority given to take higher calls
* Having high limits in all products & initials in ALN and UTD
* Maintaining the WIP and worked in reducing TAT
* High number of approvals with less number of errors.
* Training the new hired staff
* Feedback to Unit Supervisor on any irregularities observed in applications.
* Ensure prompt implementation of changes in Policy or process Manuals.
* Participated in Team building activities for the unit.
* Worked on existing customers request such as limit increase, early renewal, upgrade and downgrade.
May 2001 - July 2001 Citibank N.A. Dubai, U.A.E.
Support Staff
* Verifying customer's details with the company and with customer
* Pre-screening: checking all document provided in customer's application to check if it's in the proper format as per policy.
* Updated list of contact numbers for all companies been called as reference to all staff
* Central bank checked and GRB.
Feb 1998 - May 2001 Citibank N.A. Dubai, U.A.E.
Citiphone Officer
1996-1997 EIBFS Sharjah-UAE Banking Diploma