Business Transformation - Champion
NBAD
Total years of experience :17 years, 0 Months
- Achieved 3mn AED cost saves for Card Centre Operations through process re-engineering using lean methodology.
- Implemented Nawat tools framework developed by Mc Kinsey to create a shared services culture within the bank through daily huddles, SOP’s, productivity, 5s and staff utilisation and team barometers.
- Introduced smart, high impact system led solutions for improving 16 processes within the back end operations. This along with process stapling and cell structure design resulted in 75% improvement in cycle - time, contributing to 20% FTE save
- Identified the automation journey with digitised workflow, eliminating middle-office and bringing efficiencies to deliver another 40% cost save in the future
- Understand requirement of banks through training needs assessment. Provide banks with trained resources for employment.
- Train fresh graduates on banking products, credit and bank processes.
- Ensure 100% customer focus and satisfaction by providing excellent training.
- Review processes of Home Loan department (HL), Global purchase unit (GPU) and IT department.
- Streamline the processes for HL department to ensure efficient and quick TAT for HL disbursement
- Improve the usage of Global Purchasing Unit as the single contact point for any purchases in India
- Work on IT related Cost initiatives to improve costs through contract renegotiations.
- Facilitate and conduct training modules for Six Sigma Green Belt & Black belts
- Approve STPL loans, manage underwriter performance, improve underwriting processes within the risk policy framework
- Support business by ensuring applications are processed within a given TAT. Conduct meeting with sales, credit and operations to understand the market environment, risk and enable smooth processing of applications.
- Conduct credit risk and portfolio management training internally. Ensure underwriters understand credit policy in line with policy department circulars.
- Design & launch the credit certification program to benchmark underwriters against each other to monitor underwriter level performance and improve delinquencies.
- Streamline the verification process of validating customer information.
- Develop and implement credit policy across products (Personal Loans, Upsell, TW loans, Education Loans & Auto) for the integrated bank. In charge of creating a culture of understanding risk.
- Manage the portfolio of the bank by analysing the performance of loans across key indicators like 30+%, 90+%, write off and recovery.
- Manage the credit cycle by being in charge of customer acquisition, feeding back collections input and scoring inputs into risk policy.
- Managing underwriters through underwriter review and audit post facto.
- Forecast provisions, budgets on a monthly basis.
- Set Up the MIS & analytics unit for studying portfolio movement. Enable the automation of MIS.
- Manage risk policy for personal loans
- Analyse trends in portfolio and feedback into policy.
- Program manage risk of new types of lending inclusing income based and cross sell programs to existing customers
- Central point for risk related decision making with inputs from portfolio analysis, underwriter review and collection inputs.
- Provide inputs into development of scoring modules for risk assessment of new to bank customers
- Highly customise marketing campaigns to customer through targetted campaigns by rigourously analysing customer spend pattern on credit cards.
- Reduce mailer costs by understanding mailer response and understanding targetted mailing campaigns
- Facilitate customer cross sell programs through in depth understanding of customer database.
One of four students to graduate with distinction in MBA class
Graduated with distinction in degree program-top 2% of the class
Was awarded ‘The Best Outgoing Student’ for performance in 12th std