VP - Head of Collection & Recovery
Riyad Bank
مجموع سنوات الخبرة :23 years, 4 أشهر
I served as a head of collection and recovery in consumer finance department in retail banking division for the following products:
Consumer Loans
Mortgage
Auto leasing
Credit cards
It has worked to maintain the quality of products portfolios of retail banking follow through the collection of outstanding customer premiums and reduce credit losses and increased refunds of bad debt ratio for all products.
I was able during this period exceeded expectations with net annual losses for all products stood at 0.70% and increase recoveries debt ratio to exceed 200 million riyals annually in spite of the absence of the collection system
As it has been the establishment of staff KPIs and an incentive & rewards system for the collection and recovery staff to ensure better and raise the level of performance
also worked on the development of policies and procedures of collection and recovery to date.
During this period, I was responsible for the day-to-day management of the credit process & Teams, design
and prepare strategies for credit and operation processes and monitor efficient work of operation team in
Consumer finance department in retail banking division and design workflows and procedures and determine all requirements for system enhancement. For the following products:
Consumer Loan, Mortgage loan, Auto Leasing &Credit Card
Develop and implement Fraud Awareness Trainings and Programs for all credit products
It has worked on the development of lending policies and procedures to all retail banking products in addition to update of lending schemes and review the policy from time to time and study the creditworthiness of customers through the Saudi credit bureau "SIMAH".
I was able during my career of increasing the bank's share in the banking market while maintaining the quality of portfolio where the number of daily applications reached 700 applications were dealt and end
Within 24 hours.
Analyse and recommend measures to reduce fraud related risks to which business activities are exposed, Perform data interrogation to identify possible trends which might be indicative of fraud.
Conducting and leading the investigations, supervising, preparing and reviewing the investigation reports of Preparing and conducting the fraud awareness programs across the bank, and participating in policy making in terms of fraud prevention and detection.
Working closely with related department, Legal department, Compliance, Risk, Audit, vendors & Investigate suspected fraud claims from insurers or other entity for auto leasing product.
I took over responsibility for granting and implementation of new loan applications & re finance and train employees for all operational procedures and policies.
Supervise operational processes and monitor staff performance.
I served as a consultant to a business or organization, evaluating, planning, improving and implementing improvement plans in business processes and practices include team building and group facilitation, compiling and analysing data and preparing & delivering training as required. In addition to Monitor process performance and improvements in key metrics
During that period it contributed to the establishment and creation of consumer finance department, this included grant procedures, policies, grants schemes and application processing in Saudi American Bank. Assist in evaluating, developing and implementing process improvements to meet business goals.
Evaluate customer feedback and incorporate process improvements.