Umair Ijaz

Risk Analyst - Fraud Control | Emirates NBD (Dubai)

Screened credit card, personal loan, and auto loan applications to identify and prevent potential fraud.

Detected fabricated documents, forged records, and mismatched customer profiles at early stages.

Conducted internal and external verification checks to ensure document authenticity.

Analyzed portfolio risk trends and identified emerging fraud threats.

Coordinated with third-party vendors for field verification while maintaining turnaround time (TAT).

Tracked fraud cases end-to-end and ensured closure in coordination with internal stakeholders.

Trained and coached credit operations and sales teams on fraud detection techniques.

Credit Analyst | Emirates NBD (Dubai)

Conducted detailed credit assessments in compliance with Central Bank regulations and bank policies.

Reviewed individual, SME, and corporate customer financials, bank statements, and repayment histories.

Performed risk and liability-based analysis to support lending decisions.

Evaluated company financial statements, performance ratios, and legal documents (MOA/AOA).

Prepared comprehensive credit proposals including recommendations, waivers, and risk summaries.

Acted as a liaison between credit operations and business units to ensure timely loan disbursements.

Maintained high service quality standards while meeting monthly targets within defined TATs.