Submitting more applications increases your chances of landing a job.

Here’s how busy the average job seeker was last month:

Opportunities viewed

Applications submitted

Keep exploring and applying to maximize your chances!

Looking for employers with a proven track record of hiring women?

Click here to explore opportunities now!
We Value Your Feedback

You are invited to participate in a survey designed to help researchers understand how best to match workers to the types of jobs they are searching for

Would You Be Likely to Participate?

If selected, we will contact you via email with further instructions and details about your participation.

You will receive a $7 payout for answering the survey.


User unblocked successfully
Muzammil  Dossani, Relationship Manager - Corporate Banking

Muzammil Dossani

Relationship Manager - Corporate Banking·Dubai Islamic Bank

United Arab Emirates

Master's degree, Islamic Studies

Work experience

Total years of experience: 25 years, 6 months

Relationship Manager - Corporate Banking

April 2015 - Present

Dubai Islamic Bank

Dubai, United Arab Emirates

April 2015 - Present

Joined Dubai Islamic Bank in April’2015 and assigned responsibilities to build up own portfolio, besides, to manage existing relationships with a view to attain optimum facility utilization in given deadlines.

Managing a credit exposure of renowned business institutions / groups in UAE having sizeable annual turnover mainly compose of following:

Segment Activities
Trading Distributors / trader for Automobile, Furniture, Building Materials & Electronics etc.
Manufacturing Furniture, Block Tiles, Steel and Profiling, Prefabricated Houses and Scaffoldings.
Contracting Healthcare, Mechanical & Electrical contractors.
Services Real Estate \[Trading / Development / Management\]
• Actively analyze the market data and identify prospective customers meeting criteria of the bank. Arrange meetings with responsible company’s officials to explore possibilities to establish mutually beneficial relationship.
• Monitoring assigned portfolio by ensuring maximum return on assets is achieved. Implement proper follow-up mechanism to ensure that the approved credit facilities are adequately utilized. Negotiate with the customers having lesser utilization by offering more competitive rates and facility structure.

• Review / update credit proposals by comprehensive analysis of client’s products/services, management, financial statements, conduct of account, risk profiling and profitability. Define / set strategies for each customer to reduce risk exposed to bank and optimize the profitability.

• Responsible for risk management and detection of any significant development in the relationship that may adversely affect the quality of credit. Undertake settlement negotiation with non performing relationships and submit periodic reports to concerned bank’s authorities and update with the progress.
• Ensure the completeness & validity of security documents and take necessary action in case of any deficiencies.

Company industry:
Banking
Job role:
Banking

Assistant Manager

March 2007 - February 2015

Al Ahli Bank Of Kuwait

Dubai, United Arab Emirates

March 2007 - February 2015

During my service tenor of eight years, I was assigned to various tasks as a member of credit risk management team. The same may briefly enumerated as follows:
• Deal with specific requests from corporate clients for modification in modus operandi of transactions, waiver / addition of terms and conditions, adhoc trade finance / working capital arrangements and pricing revision;
• Review periodic reports directed towards follow-up / monitoring of corporate portfolio \[Funded / N-Funded\] and submission of same to relevant authorities in UAE / Kuwait with recommendations / suggestions;
• Coordination with internal / external auditors.
• Preparation / review of credit proposals \[Corporate / Individual\] proposals by way of providing comprehensive information on the company, financial data, industry and the risk profile associated with the clients for onward submission to the relevant authorities with recommendations / suggestions;
• Conducted regular meetings with assigned customers to strengthen relationships, optimize utilization levels and attract more ancillary business. Actively visited prospective customers to promote the bank’s products and services and successfully established beneficial business relationships;

Company industry:
Banking
Job role:
Accounting and Auditing

Credit Risk Analyst

September 2005 - February 2007

Invest Bank PCS

Sharjah, United Arab Emirates

September 2005 - February 2007

Preparation of credit risk reviews in respect of credit proposals submitted by the Branches for onward submission to risk management.
•Regular follow-up / monitoring of corporate relationships relating to assigned Branches;
•Regular review of assigned assets portfolio and submission of recommendations / suggestions to for rectification of identified credit irregularity;

Company industry:
Banking
Job role:
Finance and Investment

Accountant - Credit Receivables

June 2002 - August 2005

Al Batha Group

Dubai, United Arab Emirates

June 2002 - August 2005

Associated with Gulf International, Al Batha Group concern, which is one of the leading FMCG in UAE engaged in distribution of Fast Moving Consumer Goods. My responsibilities were comprehensive Receivable portfolio management including regular contact with the customers in coordination with Sales Divisions.

Company industry:
FMCG
Job role:
Accounting and Auditing

Audit Trainee

September 2000 - March 2002

Deloitte Touche

Karachi, Pakistan

September 2000 - March 2002

During the course of article-ship period I was deputed to the following major assignments.
Combine Media Communication (Pvt) Ltd, International Franchises (Pvt) Ltd. \[Franchise for Dunkin Donuts\], International Brands (Pvt) Ltd.\[Distributor of P&G in Pakistan\], Allied Bank of Pakistan \[One of the leading local bank in Pakistan\]

Company industry:
Accounting
Job role:
Accounting and Auditing

Education

University of Karachi

December 2014

December 2014

Master's degree, Islamic Studies

United Arab Emirates

Institute of Chartered Accountants of Pakistan

September 2001

September 2001

Higher diploma, Finance and Taxation

Pakistan

CA Foundation Course - CA Intermediate

University of Karachi

September 1998

September 1998

Bachelor's degree, Management and Commerce

Pakistan

Bachelor of Commerce (major Accounting & Economics)

Skills

Credit Risk
Expert
Credit Risk
Expert
Bank Relations
Expert
Bank Relations
Expert
Credit
Expert
Credit
Expert
Trade Relations
Expert
Trade Relations
Expert
Banking
Expert
Banking
Expert
BOOKS
Expert
BOOKS
Expert
BUSINESS STRATEGY
Expert
BUSINESS STRATEGY
Expert
COMPETITIVE
Expert
COMPETITIVE
Expert
CREDIT
Expert
CREDIT
Expert
CREDIT RISK
Expert
CREDIT RISK
Expert
CUSTOMER RELATIONS
Expert
CUSTOMER RELATIONS
Expert
DUE DILIGENCE
Expert
DUE DILIGENCE
Expert
ELECTRONICS
Intermediate
ELECTRONICS
Intermediate
FINANCIAL STATEMENTS
Expert
FINANCIAL STATEMENTS
Expert
MARKETING
Expert
MARKETING
Expert