Rashed karmoul, PMP, Six Sigma Green Belt, Change Manager, Ideas Programme & Process Quality Manager

Rashed karmoul

PMP, Six Sigma Green Belt, Change Manager, Ideas Programme & Process Quality Manager

NBAD

Location
United Arab Emirates - Abu Dhabi
Education
Bachelor's degree, Information Technology
Experience
19 years, 11 Months

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Work Experience

Total years of experience :19 years, 11 Months

PMP, Six Sigma Green Belt, Change Manager, Ideas Programme & Process Quality Manager at NBAD
  • United Arab Emirates - Abu Dhabi
  • My current job since January 2011

❖ National Bank Of Abu Dhabi (NBAD) Abu Dhabi, U.A.E: Change Management Officer 'January 2011 - Present '
ON-THE-JOB-ACCOMPLISHMENTS:
-Documented current working processes in detail.
-Analyzed and discovered the gaps & weakness points in current processes.

-Reengineered the processes and suggested efficient working procedures that satisfied the organization's business goals and objectives.

-Identified, communicated, and reported significant deviations in project quality, cost, or schedule.

-Compiled requirements for future releases and coordinate change requests

-Interacted with business partners to understand their requirements

-Converted business requirements into clear system documentation that can initially be used to communicate with the business, but ultimately will serve as the requirements documentation for developers and testers
-Answered/clarified requirement-related questions coming from the developers and testers

-Compiled requirements for future releases and coordinate change requests

-Managed tasks in accordance with the project schedule
-Identified strengths and weaknesses and made recommendations for improvements

-Worked closely with business partners to identify and maximize opportunities to use information and technology to improve service and/or business processes

-Understood system functionality to ensure that proper procedures and best practice are maintained

-Identified, tracked and reported on issues; including their resolutions

- Maintained + updated all tasks relating to the project in the MSP (Microsoft Project) File

- Assigned to Create new process flows for all revised / approved processes using Micro-soft Visio & forward the same to the business planning & strategy department for update purposes.

- Maintained minutes of Meeting for Each meeting with stake holders across the bank (process owners + work groups) in order to refine each process & derive maximum value for each process

- Created Training Materials (Awareness Packs) for all staffs to train during presentations

- Visited branches all across UAE prior to go-live on each process to make sure all concerned staff at branches/ centralized units were fully aware of the new upcoming changes

-Organized UAT (User Acceptance Testing) sessions for each process

-Maintained a process adherence tracker for each re-engineered process whilst visiting each branch in order to report deviations from the process, if any

Senior Branch Credit Advisor at NBAD
  • United Arab Emirates - Abu Dhabi
  • December 2008 to December 2010

Senior Retail Banking Advisor 'December 2008 - December 2010 '
ON-THE-JOB-ACCOMPLISHMENTS:
-Recommended new companies for getting them listed to offer their employees retail facilities
-Maintained Daily MIS for my branch in terms of applications being submitted to CPU for processing loans
-Checked credit applications before forwarding for disbursement
-Lodged Security of credit facilities approved
-Reconciled Credit GL Statements on monthly basis
-Disbursed Personal Loans / Car loans into customer Accounts after obtaining approvals

Account Relationship Officer at NBAD
  • United Arab Emirates - Abu Dhabi
  • March 2008 to December 2008

Account Relationship Officer 'March 2008 - December 2008 '
ON-THE-JOB-ACCOMPLISHMENTS:
-Created proposals for Daily Term Loans/ Mortgage Loans that are to be renewed based on daily reports
-Arranged Facility Advice Letters for customers once their applications are approved & processed
-Maintained an Excel Sheet for collection of funds for Term loans on each Maturity Date
-Posted of Term loans/ TOD's for business banking clients into the system & monthly covering of TOD limits.

Credit Officer at United Arab Bank
  • United Arab Emirates
  • July 2007 to March 2008

❖ United Arab Bank (UAB) Abu Dhabi, U.A.E:
Credit Officer 'July 2007 -March 2008 '
ON-THE-JOB-ACCOMPLISHMENTS:
-Received Personal Loans, Car Loans, Overdraft & Credit Card Applications
-Checked the same to comply with the banks credit policy in order to proceed the same with the Approval & Disbursal process
-Followed up of delinquent borrowers & Accounts under
Litigation/settlement
-Controlled old records, Closed Files/Accounts relating to Retail
Department

Customer Services Officer at United Bank Limited
  • United Arab Emirates
  • June 2004 to July 2007

❖ United Bank Limited (UBL) Abu Dhabi, U.A.E:
Customer Services Officer 'June 2004 -July 2007 '
ON-THE-JOB-ACCOMPLISHMENTS: -Ensured constant & consistent growth in business Volumes & Profitability

-Fulfilled all customer related requests within the Prescribed Turn Around time

-Selling / Cross selling Consumer Asset & Liability Products

-Recommended New Consumer Offers Packages

-Ensured accuracy in obtaining A/C opening Documentation Within prescribed Turnaround Time for Customer servicing

-Worked in Remittances Dept. (Issuing & Balancing Payment Orders, Issuing Foreign Demand Drafts

PROFESSIONAL COURSES:
-Certified Process Professional Master® - September 2012

-Project Risk Management - June 2013
- Advanced Project Management - June 2013

-Change Management Skills - February 2013

Education

Bachelor's degree, Information Technology
  • at Allama Iqbal University
  • March 2004

❖ Allama Iqbal University, Islamabad, Pakistan Bachelor of Computer Sciences, 2000- 2004

Specialties & Skills

Issuing
Cross Selling
Liability
Profitability
Remittances
ACCEPTANCE TESTING
BUSINESS REQUIREMENTS
CHANGE MANAGEMENT
DOCUMENTATION
RISK MANAGEMENT
TRADING

Languages

Hindi
Beginner
Urdu
Beginner
Arabic
Beginner
English
Beginner

Training and Certifications

Six Sigma Green Belt (Training)
Training Institute:
NBAD
Date Attended:
September 2014
Duration:
48 hours
Conflict Management (Certificate)
Date Attended:
October 2013
Valid Until:
October 2013
Change Management Skills (Certificate)
Date Attended:
February 2013
Valid Until:
February 2013
Project Management Fundamentals (Certificate)
Date Attended:
August 2013
Valid Until:
August 2013
Conflict Management (Certificate)
Date Attended:
May 2013
Valid Until:
May 2013
Advanced Project Management (Certificate)
Date Attended:
June 2013
Valid Until:
June 2013
Certified Process Professional Master® - (Certificate)
Date Attended:
September 2012
Valid Until:
September 2012