Manager
National Bank of Abu Dhabi
Total years of experience :13 years, 10 Months
Coordinator of system Integration Team from the Retail credit department.
•Responsible for UAT testing for Core Banking and Credit workflow systems.
•Working with FGP properties on the Property Management for Mortgage Business.
•Working with the Property Valuation unit and making sure the valuation criteria and policy is followed for all mortgage cases logged in by the sourcing channels.
•Responsible for development, assessment and tracking of Product Policies and maintaining policy changes.
•Developing acquisition policies to drive profitable growth of new accounts. Communication with stake holders on the different aspects of the Product Policy.
•Identifying risks early and defining Corrective actions by policy reviews.
•Develops and drive product policies with the new entity FAB.
•Conducts regular review on market trend and studies competitor activities to identify any change in Credit policy and aligning the policy.
•Reviewing Credit cards, Personal Loans and Mortgage Deviation cases and preparing Credit Committee Presentations to Senior Management.
•Monitoring the credit cards, personal loans, mortgage product performance through MIS and TATs.
•Sound experience of analyzing credit applications i.e. Credit cards, Personal Loans, Mortgages, Small Business Loans and effectively managing Credit Risk exposure.
•Working on Risk Analytics team and helping them preparing provisions.
•Working with ADNIF and preparing provisions for their Retail division.
•Financial and Risk Analytics capabilities in handling of risk exposures.
•Sound knowledge of credit systems, financial reporting, Credit scoring & Credit Ratings.
•Independently managing all IT and Business-related queries Ultimus work flow system for Personal and Auto loans and Credit cards.
•Working and finalizing Company listing for Consumer / SME Banking by applying credit and risk assessment techniques.
•Developing MIS reports i.e. GRRC Dash boards, Trackers and Scorecards.
•Liaising with Al Etihad Credit Bureau and handling all the relevant matters from Risk department. Maintaining budgets and provisions for the bank.
•Handling all customer complaints related to Al Etihad Credit Bureau discrepancies in the AECB report, liaising with Retention Team, Customer Experience Team and Call Center for resolution.
•Independently handling all customer queries and fixing AECB reports of FAB customers from the Retail Credit / SME side.
Market Intelligence, Retail Gulf & Commercial
•Worked with International Banking Division to identify the market and growth opportunities in GCC
•Worked and liaised with Customer Retention Unit on retaining the customers
•Helped the management in Business Planning and Strategy, banking products and services.
•Working with SME & Elite banking division for research base activities i.e. Products and Services and successfully implemented process flows for the division.
•Working on financial analysis, and helped in conducting Gap Analysis, in previous assignments.
•Co-coordinating with Marketing and Advertising agencies to streamline the process of product development and marketing.
•Doing Market Research on Investments, Mutual Funds and Banc assurance
•Coordinating Research based studies with various Research and Consulting companies
•Calculating Market Share and conducting Trend analysis. i.e. Estimating the size of a total market, customer segmentation, Cross sell Ratios.
•External Customer Research: Customer satisfaction & Bench marking surveys, Mystery Shopping exercises, customer satisfaction surveys and Competitive studies for all Consumer and Elite banking products and Services.
•Internal Customer Satisfaction Research, Brand Health Research: Brand Awareness, Brand Usage, Ad Awareness and Campaign Management.
•Designing Advertising and Branding and Marketing strategy for Retail Banking Products and Services.
Implemented and coordinated all business requirements for Mobile Banking Platform and successfully launched NBAD Mobile banking naming Arrow.
•Captured business requirements, designed project scopes with external entities.
•Worked on IT based projects Nafura (File upload system) and ATM Channels.
•Helped in implementation of E-Dirham with ITD by coordinating and fulfilling business requirements such as SLA’s, Operational risk sessions, and Gap analysis sessions.
•Helped in implementation and coordination of Payment Gateway project (Ministry of Finance)
•Worked on the project of Revamping of NBAD Corporate website and NBAD Online
•Monitored and Mapped ATMs / CDMs network and managed allocation.
•Conducting penetration testing for mobile banking projects.
Cards, Personal Loans
•Finding potential markets for the bank. (Credit cards/Loans)
•Cultivated relationships with the relevant clients.
•Surveying the market and generating business in from of customers
•Convincing the customers of using bank products. (Credit Cards/Loans)
•Achievements in Barclays: Certificates Awarded: Top performer for continuous 6 months in credit card sales in Barclays Bank UAE.
Supervising & handling of Companywide Creditors/Payables Activities
•Arranging for the funds and monitoring the cash flow positions for various projects
•Projects Cost Control / monitoring /designing and implementation of Control System
•To assist in arrangement of project based funded and non-facilities from banks.
•Handling of cash and advances of employees and maintaining them in system and doing Bank & Vendor’s Reconciliations. Booking of invoices.
courses: Project Management Professional Certification -PMP in progress from PMI Certified Scrum Master: International Scrum Institute: Feb 2018 Certified Financial Consultant: The Institute of Financial Consultants (Canada): June 2012
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