Head of Credit Risk & Collection
Zain - KSA
Total years of experience :15 years, 8 Months
Heading Credit Risk Department
To play an important role in driving growth by overseeing productivity, devising & implementing planned sales strategies in line with organizational goals.
1. Productivity & Performance Management
• Evaluate productivity by setting Standards and Benchmarks
• Manage, create and present, key productivity indicator trends, ad-hoc reports for all lines and highlight the weak areas on timely basis to help business taking decision.
• Work closely with other Managers to ensure an interdisciplinary approach is applied to reporting and analytic tools to calibrate productivity at all level.
• Review the potential portfolio (approved customers) and help Sales Managers build and improve their sales machine by data-driven consulting
• Identify and act on growth opportunities within approved accounts portfolio
• Manage and circulate product-wide, Dealers, Region and Employer-wide performance report to track productivity, penetration % etc
2. Business Strategies & Operations Management
• To proactively oversee the strategies for Retail Sales essential to achieve business goals.
• Ensure that the business operations are well aligned with Retail & Organizational strategies
• Lead countrywide operations for Retail sales to sustain Operational effectiveness.
• Oversee all processes & procedures influencing departmental productivity directly or indirectly, and identify the process & policy constraints and do feasibility study, propose solutions and implement.
• Support the annual business planning, forecasting and budgeting activities for Strategic Plans
3. Business Intelligence & System Support
• Devise & Manager all business related reports
• Closely monitor budgets vs. achievements, ROI, departmental cost vs. approved cost, Capacity Plan vs. actual manpower, etc. and drive recommendations based on analysis of reports.
• Responsible for the new system UATs and errors free implementation of new systems.
• Evaluating the problems encountered during testing and applying solutions.
• Submit monthly, quarterly, yearly analytics to business including recommendations for decision support system
• Ensure the accuracy of all reports & analysis, and that the benchmarks are set for improved productivity.
Sales & Collection Management & MIS Manager | Emirates National Bank of Dubai - Saudi Arabia, July’12 - Present
I’ve started MIS unit alone in 2012 and have successfully created & managing a Team which is helping business to improve and have real time snapshot of the overall standings by Daily, Monthly, Quarterly & Yearly Circulation to Senior & Group Management.
Retail Sales: (Personal Loans, Self Employed & Credit Cards)
• Planning & Managing MIS, Dashboards & Synopsis which are essential for DSS (Decision Support System).
• Sector-wide, Employer-wide analysis for each product to identify untapped business area to help increasing acquisition and sales turnover.
• Devising Budget & Capacity Plan in-line with business goals
• Devise Standard of Performance (SOP) & Benchmark for Sales align with budgetary requirement
• Cost, Volume Acquisition & ANR comprehensive analysis leading to product revamping and Cost reduction
• Managing Sales i.e. Leads Management, Pending Bucket Review, Follow-up on Sales’ Pipeline, & Forecasting
• Finalizing monthly Achievement of Sales with Credit Operations
• Collaborating with other Bank & Group Depts. for Smooth business Operations
• Responsible for incentive Simulation & execute an Error free Payroll for outsourced Departments worth of SAR 2-Million monthly
Retail Collections: (Overall Banking Retail Products)
• Retail Collection's Strategy Planning (Allocation logic, Day-Past-Due bucket strategy, Strategies for Recovery & Reduce Provision etc.)
• Daily Recovery & Other MIS, Daily categorization of SMS (Legal & Regular) to overall delinquent Portfolio
• Identifying new techniques and creating new processes & policies to propose at Group Risk level and International business departments for sign-offs (I’ve successfully introduced Auction Process, Collection System Enhancement Process, Outsource Agency Tie Up Process etc.)
• Computing daily provision, opening risk & building strategies for Provision bucket customers to reduce NCL
• Overall Retail Products Portfolios behavioral analysis, i.e. Net Flows, Coincidental & Lagged Delinquency, ENR & ANR etc.
• Responsible to Identify Vehicles Portfolio to be repossessed and escalating with concerns for execution.
• Overall Portfolio management (Especially Delinquent Portfolio)
• Forecasting, Budgeting, Capacity Planning & Manpower allocation strategies
• Reconciliation of Suspense accounts with Finance to post additional income towards business account
• To review and propose settlements for endorsement form delegated authorities and proper tracking until Loans/Card Closure
• Catering, resolving and routing all collection related queries.
• Generating Key Indicators for Business review to take decision on each product either to halt or to enhance.
• Delinquent portfolio categorization by collectors and AMs feedbacks at account level to have a clear picture and reasons of delinquency in each pool.
Business Improvement & MIS Manager | Swanah Ad - Riyadh Saudi Arabia, July 2011 - Aug 2012
Job responsibilities include
Management
• Analyze & Identify areas business improvements and growth.
• Devise new sales or marketing strategies
• Office management / Administration
• Work with other departments
• Dealing with all vendors for timely execution of projects
• Organizing meetings, conferences and events
• Calling clienteles to get feedback & providing resolution to all their business related queries
• Conducting Events, Meetings, and any marketing related activities
• Dealing with Hotels & Vendors to make arrangements
• Dealing with import & purchasing of required items for an event
• Customer Support & coordination until closing the deal
• Visiting clients time to time in order to get business opportunities
Sales Audit & Business Analysis
• Auditing Consumer Postpaid sales and Data Sales nationwide.
• Resolving all sorts of discrepancies & issues raised by the new postpaid (consumer) customers.
• Handling cross departmental interaction with sales, support and other departments for the end to end resolution of all discrepancies and customer queries.
• Strong follow-up with all sales channels to minimize discrepancies
• Highlighting fraudulent cases and discrepancies in Postpaid Sales of all regions.
• Provide daily, weekly and monthly analysis of Postpaid sales to Management and all Sales Teams
• Bring automation and remove redundancies in existing controls
Customer Relations
• Ensuring customer retention through promotions, offers and services
• Developing strategy to control Postpaid Churn
• Out bound calls to update customer’s information & feedback
• Resolving & providing guidance on all queries of customer
Postpaid Services
• Sending compiled Data to address verification vendor for verifications
• Forecasting, process streamlining & cost cutting by improving current processes
• Managing nationwide bill delivery for postpaid accounts both including private & corporate customers
• Promoting E-bill services, resulting in timely and efficient deliveries.
• Reducing operational cost by arranging Bundles deliveries for corporate customers and E-billing solutions
• Implement strict checks on SOPs & strong follow up till resolution.
Web-lounge (SSP team)
• Initial processing of new subscription requests received from Web-lounge (Sale request through Internet) & F&F activations (Employee friends & family)
• Strong follow up with vendor regarding SIM & CSAF delivery for requests placed on web interface.
• Co-ordination with the team of Financial Services regarding payments placed on web via Credit cards.
• Out bound calls to customers who has placed request to validate the qualification criteria.
Risk management & Consumer Banking
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This free business skills course introduces you to the world of operations management and is useful to those who wish to learn and understand more about the role it plays in organisations. Using an interactive presentation style, the lessons go through the role of operations management in both manufacturing and service organisations. It also covers strategies used, such as capacity planning, facilities location planning, aggregate planning and scheduling, as well as inventory management techniques and quality management.
I completed my medical sciences study from Punjab University, here in pakistan at that GPA system was not Implemented.