وسيم الإنكار

Abu Dhabi Islamic Bank, ADIB. Sharjah, UAE

Head of recovery and legal Department. (Collection agencies, lawyer offices & auctions)
Head of Repo Auctions (Auto)

➢ Manage Legal Department in order to protect bank's interest by provision of sound advice on legal & compliance aspects to the Business divisions & support functions across the bank.


➢ Contribute in the development process of bank's policies, procedures and controls at various levels through input of legal advice on relevant aspects referred.


➢ Coordinate with External Law firms in order to pursue legal cases for and against the bank to protect banks interest
➢ Organize plans and strategies related to Debt management,
➢ Provide efficient support to Executive Management by developing compliance strategy in line with bank's overall strategic goals and objectives
➢ Work closely with collections Analytics & Strategy Manager to analyze vintage reports so as to deploy the right recovery strategies for different vintages and customer segments.
➢ Drive best in class performance from onshore agencies and cross border recovery external collections agencies given expat nature of portfolio with no reputational risk.
➢ Be accountable for cost budgets on unsecured products and drive efficiencies.
➢ Enhance Recovery Rates.


Period: October 2012 till date.
Mashreq Bank. Dubai, UAE
Vice President - Head of Int'l & Domestic Collection Agencies, Head of Skip Tracing, Recovery Area Manager (Dubai & North emirates)

Period: October 2008 - December 2011
Citi Bank, Citi Group. Dubai, UAE
UAE Recovery & Collection Manager (Head Assistant Grade)
➢ Managing all related issues concerning debt management of Citi Group products such as Auto Loans, Personal Loans, Credit Cards and
Housing Loans.
➢ Efficiently managed a team of over 55 supervisors.
➢ Coordinating marketing operations, campaigns, exhibitions and agents.
➢ Working closely with the support teams in order to scope and meet targets.

Period: April 2006 - September 2008
Standard Chartered Bank. Dubai, UAE

➢ Assistant Recovery Manager Apr '02 - Mar '06

➢ Collection Supervisor Nov '02 - Mar '03

➢ Personal Financial Consultant (Trainee) Aug '02 - Oct '02

➢ Relationship Manager Trainee (RM) May '02 - Jul '02

➢ Advocate departmental & organizational plans and strategies related to Debt management & Skip tracing as well as future opportunities within the Bank's mission.
➢ Oversee the overall performance of the Debt management, Int'l & Domestic Collection Agencies and Skip Tracing and ensure proper implementation of the approved strategic plans and polices.
➢ Recommend department's yearly budgets and manage department's resources within the approved budget guidelines.
➢ Ensure sound practices of Int'l & Domestic Collection Agencies and Skip Tracing departments and ensure the Bank's overall compliance with general Risk guidelines and it's adherence to Corporate Governance and standards
➢ Identify, evaluate and recruit key business and units' staff.
➢ Effectively manage, promote and motivate the human resources of the Bank according to approved budget, polices & procedures.
➢ Chair departments' planning, monitoring and policy making periodic meetings.
➢ Evaluate performance and achievement of goals and objectives on a regular basis.
➢ Represent the Bank at key conferences, meetings, formal functions and community gatherings promoting public relations.
➢ Take ad-hock sound decision (s) when and where needed.