Moazzam سيد

•Responsible to Manage UAE, Qatar & Bahrain Retail Asset Products & Portfolio i.e. Mortgage, Personal Loan, Auto Loan, Credit Card, Secured overdrafts & other emerging products.
•Review and update Asset Lending Policies & Procedures based on bank`s business model & regulatory environment as assigned by Head of Credit Risk, Middle East and Group CRO.
•Responsible for Group Audit/Compliance and Business Risk Review team (BRR) for all Asset Products ME region and to ensure controls, adequacy & adherence to the bank`s policy & standards.
•Responsible to review the Risk Self Assessment (RSA) and Self Certification Policy on quarterly basis & report to Group Risk Review Team and Operational Risk Management Team (ORM).
•Responsible to Manage centralized Initiation dept & ensure smooth approval process.
•Responsible for Process Reengineering, Project Management & Risk Scorecard development
•Responsible to keep Portfolio Performance & Credit losses under control
•Support Business growth in line with Risk parameters
•Active Member of Remedial Asset Management Committee, Credit Control Committee, and Portfolio Management Committee.

•Risk Management for all Retail Asset products (Credit Cards, Personal loans, Mortgages, Auto Loan & Overdrafts) through complete Credit Cycle management. This involves: Product Planning, Credit Policies, Underwriting, Account Maintenance, Collections and Portfolio Management
•Responsible to Manage Retail Collection Unit of Conventional & Islamic Retail products.
•Responsible to monitor & manage Dubai & Kuwait Retail Portfolio.
•Responsible to keep Portfolio Performance & Credit losses under control.
•Responsible to Manage Group Audit & Compliance team for all Asset products & responsible for proper closure & implementation.
•Compliance to Country regulatory policies on lending, portfolio management & controls.
•Robust & cost efficient credit processes with adequate controls.
•Support portfolio (ENR) growth initiatives.
•Human resources management through leadership skills.

•Managed large Corporate and Retail clients and to catering their payroll needs under closed and open loop Payroll Cards by using Standard Chartered Bank BIN.
•Responsible to monitor 92 Cash Dispensing Machines (CDMs) and to ensure that all CDMs are comply with UAE Central Bank Regulations & Functional.
•Liaise with Central Bank and Ministry of Labor UAE with regards to the newly introduced payroll system i.e. Wage Protection System (WPS)
•Responsible to review the payroll system under WPS Central Bank regulation and update on timely manner.
•Responsible to review the Risk Self Assessment of entire operational & IT process and to ensure that the controls and mitigates are in place.
•Responsible to monitor Cash Management & Flow in conjunction with our partner’s Bank, SCB.
•Managed funds replenishment activity of all the CDMs with proper denomination in conjunction with Standard Chartered Bank & Security Agency i.e. Trans-guard Security Services.

•Transferred to Credit Policy as Manager Policy from January 08.
•Promoted to Assistant Vice President in September 08.
•Managed Quality Assurance Team of over 6 staff for all retail asset products.
•Managed Target Market Listing Unit team of over 8 staff (18k companies)
•Review Product Programs of all products and responsible to obtain approvals from Group Risk Committee Europe
•Developed & Producing Portfolio Risk Management Reports for Risk Head, CRO and Regional Risk & Control Committee.
•Responsible to Asses newly introduced products based on Market, Credit and Operational Risk.
•Review and update Consumer Lending Policy & Procedures based on portfolio behavior in-conjunction with other stakeholders.
•Responsible for lending policy changes based on portfolio behavior and to comply with regulators.
•Managed Consumer Portfolio & delinquencies based on segmentations and cuts.
•Provide timely & logical inputs for any variations in existing product portfolio and assist business in designing new lending products/ criteria on regular basis in response to changing competitive lending strategy and economic environment.
•Actively involved with Collections & Initiation to improve portfolio delinquency.
•Handled Risk Management Systems & Automation Projects.
•Responsible for Group Audit and Credit Inspection Europe team (CRI) and to ensure proper closure of Audi findings.
•Responsibilities are to implement effective controls and procedures within the Risk Management to ensure business follows the group policies and AML guidelines and to avoid any non compliance event.
•Managed Business Continuity Management (BCM) for entire Risk Units to ensure business runs as usual in the event of any disaster.
Risk Projects
•Involved in Collections, working on Collection Strategy & Approach to minimize the losses and delinquencies.
•Actively involved to develop Scoring System for Retail Banking with the help of existing card data / MIS like Application Scorecard, Behavioral Scorecard.
•Target Market List Policy for Cards & Loans (Tiered Lending )
•PDC Loan in a Day (1 week Loan campaign to be held in the Dubai branch for PDC Loans)
•Responsible to Analyze BRDs and SCRs (system customization request) for Entire Risk Projects and to ensure smooth implementation.
•Tasked with representing UAE in the regional effort to induct TRIAD into portfolio management.

•Managed Credit Initiation Team of cards & loans over 108 staff, volume of over 21, 000 per month and AED40MM loans.
•Ensure that TAT is adhered to for the application decision in the unit
•Ensure Compliance with Policy guidelines to ensure quality of the portfolio
•Interacted with Portfolio Management Unit to provide feedback on sourcing trends, obtaining clarification and communicating the same to the team.
•Ensure the training of the staff for policy and compliance related matters and ensuring that the guidelines are complied with
•Responsibilities are to implement effective controls in origination processes, balance risks and reward for the business through effective training of Initiation staff.
•Responsible for streamlining the policy, process & procedures within the unit to enhance risk controls and efficiency.
•Maintained department Capacity Plan according to the acquisition promotions, forecasting capacity as per business plans numbers per Year.

•Manager for Initiation Unit (7 staff) for Cards, Loans & ROD
•Met all turn around time service level agreements (90% processing within two days)
•Implemented Process improvement by introducing the Pre-screening stage to improve TAT and reduce it to 1 day for Fresh applications.
•To ensure that the audit requirements are met & credit department get a satisfactory audit rating by implementing policies and procedures.

•Supervised Centralized Auto Initiation team of over 12 staff.
•Trained and managed new resources.
•To ensure that good portfolio are booked in auto product (commercial & non commercial)
•To ensure that risk controls are established within the process and procedures.
•Kept liaison with credit policy department for all policy related matters.
•Ensure to have DCFC (Departmental Control Functional Checklist) are in placed in Auto initiation process.
•Prepared Auto Initiation manual and updated based on changes in policies and procedures.

Pilot Project
De-Centralization of Auto loan - Credit Initiation - Lahore. Pakistan
•In the capacity of Initiation Manager Lahore (5 staff), managed successfully De-Centralization of Auto pilot program.
•Reports to Management Committee on Auto de-centralization program.

Senior Administrative Assistant - Cards Authorization Unit, Credit Dept Feb 99 to Jan 00
•Managed authorization center for incoming calls from merchants or Overseas calls.
•Worked closely with the RMU (Risk Management Unit) to ensure that fraudulent activities are at minimum.
•Maintained countrywide MIS of ON-US and OFF-US Cardholders and Merchants.
•Worked closely with the Cards Operation & Phone Banking departments regarding customer queries, blocking and un blocking of Citibank VISA and MASTER cards.
•To ensure that the Audit requirements are met & authorization unit get a good audit rating