Total Years of Experience: 18 Years, 7 Months
November 2009
To Present
Assistant Vice President - Credit Operations Head - UAE
at Dunia Finance LLC (Temasek Holdings)
Location :
United Arab Emirates - Dubai
Responsible for managing the entire end-to-end Credit Operations chain for Personal Loans, Credit Cards & Auto Loans for the UAE market.
Manage a team of 45 people across the credit operations chain with additional responsibility for the training and mentoring of new recruits
Streamlined the credit underwriting process to increase throughput by almost 60% while reducing the application turn around time by 50% through automation and process re-engineering
Managing annualized business volumes of approximately AED 300 million and have overseen underwriting of AED 600 million worth of assets since taking over current role
Delivered on stated priority of reducing delinquencies and improving quality of portfolio - have overseen 5 consecutive quarters of decreasing delinquency trends before stabilization at current levels
Developed and implemented credit policies as well as credit and operational risk management programs jointly with the risk department; successfully managed external and internal audits
Consultancy/Advisory Assignments:
PromInvestBank (Kiev, Ukraine) - Consultant and Credit Operations subject matter expert for PIB in Ukraine. The scope of work includes all aspects of Credit Operations from interviewing and hiring of suitable candidates for various roles to helping develop Job Descriptions, Capacity Plans, End-to-End Process Flows, Standard Operating Procedures, Risk and Control documents and Self Assessment procedures. Achievements include:
Set up a fully functional end-to-end paperless credit operations unit processing PILs, STLs, Cards and overdraft products.
Oversaw go-live of 3 systems including Oracle CRM, Flexcube and Credit Acquisition System from UAT through to production environment
Helped achieve projected saves of USD 3 million through branch process and headcount rationalization
Helped achieve saves of USD 2 million through ATM network rationalization project http://www.pib.com.ua
Manage a team of 45 people across the credit operations chain with additional responsibility for the training and mentoring of new recruits
Streamlined the credit underwriting process to increase throughput by almost 60% while reducing the application turn around time by 50% through automation and process re-engineering
Managing annualized business volumes of approximately AED 300 million and have overseen underwriting of AED 600 million worth of assets since taking over current role
Delivered on stated priority of reducing delinquencies and improving quality of portfolio - have overseen 5 consecutive quarters of decreasing delinquency trends before stabilization at current levels
Developed and implemented credit policies as well as credit and operational risk management programs jointly with the risk department; successfully managed external and internal audits
Consultancy/Advisory Assignments:
PromInvestBank (Kiev, Ukraine) - Consultant and Credit Operations subject matter expert for PIB in Ukraine. The scope of work includes all aspects of Credit Operations from interviewing and hiring of suitable candidates for various roles to helping develop Job Descriptions, Capacity Plans, End-to-End Process Flows, Standard Operating Procedures, Risk and Control documents and Self Assessment procedures. Achievements include:
Set up a fully functional end-to-end paperless credit operations unit processing PILs, STLs, Cards and overdraft products.
Oversaw go-live of 3 systems including Oracle CRM, Flexcube and Credit Acquisition System from UAT through to production environment
Helped achieve projected saves of USD 3 million through branch process and headcount rationalization
Helped achieve saves of USD 2 million through ATM network rationalization project http://www.pib.com.ua
April 2013
To Present
Regional Manager
at AkzoNobel
Location :
United Arab Emirates - Dubai
Working as part of the supply chain and managing the "Order-to-Cash" cycle for the business in the Middle East.
Scope of responsibilities also include Customer Service management.
Scope of responsibilities also include Customer Service management.
January 2009
To October 2009
Manager - Head of Booking & Fulfillment Operations - UAE
at Dunia Finance LLc (Temasek Holdings)
Location :
United Arab Emirates - Dubai
Formalized Booking and Fulfillment as a unit with responsibility for the booking, disbursal & fulfillment of Personal Loans (PIL) and Credit Cards (CC). Managed a team of 8 people
Mapped and set-up the end-to-end booking processes, including development of Standard Operating Procedures (SOP) manuals, flowcharts as well as capacity plans for the business
Developed the ‘Process Risk and Control’ document and ‘Risk and Control Self Assessment’ matrix to highlight key operational risks
Mapped and set-up the end-to-end booking processes, including development of Standard Operating Procedures (SOP) manuals, flowcharts as well as capacity plans for the business
Developed the ‘Process Risk and Control’ document and ‘Risk and Control Self Assessment’ matrix to highlight key operational risks
February 2007
To December 2008
Assistant Manager – Unit Head Wealth Management Operations
at Dunia Finance LLC (Temasek Holdings)
Location :
United Arab Emirates - Dubai
Established Dunia’s Wealth Management operating business: responsible for developing the organization design and structure, systems implementation and recruitment and training of staff
Designed and implemented a turnkey/customized Wealth Management System driven by Dunia’s customer centric strategy
Mapped the end-to-end processes and developed the Standard Operating Procedures for booking Mutual Funds, Systematic Investment Plans and Insurance Products in partnership with Franklin Templeton, Schroders and AIG
Design and implemented a Document Management System creating paperless end-to-end workflows
Designed and implemented a turnkey/customized Wealth Management System driven by Dunia’s customer centric strategy
Mapped the end-to-end processes and developed the Standard Operating Procedures for booking Mutual Funds, Systematic Investment Plans and Insurance Products in partnership with Franklin Templeton, Schroders and AIG
Design and implemented a Document Management System creating paperless end-to-end workflows
August 2005
To February 2007
Regional Management Associate
at Citibank NA
Location :
Bahrain - Manama
Turned around a a low performing Credit Cards Direct Sales Agency (DSA) in Pakistan:
Successfully tripled volumes for the DSA from 100 cards per month to 300 cards over the period of 6 months while increasing sales efficiency and productivity of agents by almost 400%
Developed a model for customer centric cross selling in Turkey based on expected profitability, response rates & solicitation channels
Successfully upgraded risk capabilities to BASEL II in Citibank Bahrain.
Successfully tripled volumes for the DSA from 100 cards per month to 300 cards over the period of 6 months while increasing sales efficiency and productivity of agents by almost 400%
Developed a model for customer centric cross selling in Turkey based on expected profitability, response rates & solicitation channels
Successfully upgraded risk capabilities to BASEL II in Citibank Bahrain.
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