Associate Manager, Retail Credit Analysis, Risk Management
Gulf Bank
Total years of experience :16 years, 10 Months
Key Responsibilities:
• Review retail lending products, loans and credit cards applications upon quality assurance and underwriting assessment.
• Offer analysis and credit decision approval in compliance with the bank’s credit policy and other regulatory requirements.
• Recommend risk-mitigation or amendments on consumers’ applications.
Key Achievements:
• Managed documentation of pending applications queue within a tight deadline.
• Proposed credit approval on both loans and credit cards applications against distinct scenarios.
• Reassessed primary rejected cases under second revision for credit re-approval.
• Administered subtle cases for Priority, Wealth and Corporate clientele.
• Extracted daily and weekly reports on applications’ progression and totals.
Key Responsibilities:
• Maximize liquidations on distressed retail lending portfolios, including loans, credit cards and business banking accounts.
• Execute a litigation strategy on selected lending segments to minimize potential losses.
• Instruct lawyers on individual case strategies.
• Negotiate commercially acceptable payment outcomes on the most challenging account segments.
• Commercially pragmatic management of lending segments to ensure impairment cost targets are achieved.
• Case manager of most complex and sensitive segments.
Key Achievements:
• Delivered impairment cost savings more than 300 % better than target equivalent to KD 3M.
• Achieved liquidation less than KD 2M on written off segments under my management.
• Empowered to seek and implement a range of complex solutions to customer payment issues.
• Contributed to the re-engineering of critical business processes.
• Executed an international trace and collect strategy.
• Produced and executed training plans for new employees.
• Conveyed KD 4M in recoveries to the bottom line by convincing customers of the benefits of a Government Debt Rescue Scheme.
• Handled profound legal and write off cases for Priority, Wealth and Corporate customer portfolios.
Key Responsibilities:
• Enlarge total collections on loans & credit cards legal portfolio.
• Maximize redemptions on written off loans & credit Cards.
• Arrange settlement methods on critical consumer banking liabilities.
• Implement recoveries strategies & exercises on write offs and legal cases.
• Support international collection agency and other external local collection agencies.
Key Achievements:
• Attained one third of a million KD recoveries on legal portfolio.
• Contributed in 1.5 M KD recoveries achieved target.
• Formulated 200 payment resolutions and recreated legal settlement list.
• Decreased legal portfolio by 5% on a 2 months clean-up project.
Key Responsibilities:
• Deliver best in class collections and account rehabilitation on high volume lending portfolios.
• Maintain customer relationships through effective call management.
• Liaise with priority and corporate banking divisions to minimize liabilities.
• Demonstrate high customer focus in balance with work requirements.
• Exhibit core competencies of teamwork, communication, initiatives and responsibilities through techniques and updates implementation.
Key Achievements:
• Delegated as acting supervisor, with full responsibilities (May - June 2011).
• Consistently recognized as best collector due to business results delivered.
• Ensured development of professional and consistent customer service ensuing recognition emails from line managers and department head.
• Initiated and implemented key enhancements to collections platform.
• Coached colleagues on debt collection and negotiation techniques
Key Responsibilities:
• Promote banking products and offers for companies, ministries and individuals.
• Follow Up with potential customers via telephone / visit basis.
• Prepare personal weekly / monthly target reports.
Key Achievements:
• Achieved Best Credit Card Sales on both team and department level for March, April and August 2008.
• Acquired new businesses and retained existing unsatisfied establishments.
• Learning Banking Products & Services.
• Performing Operational and Administrative Tasks.
• Experimenting Relationship Officer / Teller Positions.
Masters in Business Administration, Strategy Concentration, from Maastricht School of Management, Netherlands - Outreach Program, Kuwait Maastricht Business School, Class of December 2013, Dasma, Kuwait.
GPA = 3.00 Dean's List Recognition Fall 05