Experience

Mercury Payments Services

• Italy
• Financial Services
• 1 - 100 Employee

• Chief Risk Officer (CRO)

  • Jan 2022 - Present

  Every Transaction has a Purpose and for every Purpose, there is a Mercury Card!!Mercury - UAE's domestic payment scheme offering Wide domestic & International Acceptance, Ease & Flexibility by providing Value Added Services across a Flexible Product Range using the Best Technology. Every Transaction has a Purpose and for every Purpose, there is a Mercury Card!!Mercury - UAE's domestic payment scheme offering Wide domestic & International Acceptance, Ease & Flexibility by providing Value Added Services across a Flexible Product Range using the Best Technology.



Unitey Digital

• United Arab Emirates
• Financial Services
• 1 - 100 Employee

• Founding Member

  • Jul 2021 - Present

  Democratizing the Global Financial Fabric! Democratizing the Global Financial Fabric!



United Company for Financial Services

• Chief Operating Officer

  • Aug 2018 - Jul 2021



Fullerton Financial Holdings

• Financial Services
• 1 - 100 Employee

• Chief Consumer Credit Officer

  • Oct 2008 - Jul 2018

  Member of the Dunia Finance (rechristened as Deem) management team; oversee the organization’s credit policy, underwriting, collections, fraud risk and authorizations functions which are staffed with 400+ people. As a founding member, set up the risk management team and infrastructure and hired best-in-class specialists to execute plans. As a subject matter expert, mentored and coached staff to lead various business units. Developed strategic lending initiatives through research, business engagement, policy setting and implementation; these initiatives have resulted in the company meeting its financial objectives. Directly monitor the asset portfolio to ensure that the organization operates in accordance with applicable UAE Central Bank laws and regulations, as well as internal policies and procedures approved by the Board of Directors. Formulated and administered the company’s lending policies and incorporating changes as required to underwriting criteria, delegation authorities, pricing guidelines, collections and charge-offs. Worked closely with the Strategic Analytics Unit to build accurate and agile predictability models that help the business foresee and provide for delinquency risks.

• Vice President - Credit

  • Jan 2007 - Oct 2008

  Part of the core start-up team that created dunia finance. Built a robust customer centric business model focused on need-based customer segmentation



Dubai Bank

• United Arab Emirates
• Business Consulting and Services

• Head of Collections and Account Fulfillment

  • Oct 2005 - Dec 2006

  Part of the core team that set up a new consumer finance company in the UAE, Dubai First. This included setting up of the brand, obtaining premises and systems, setting up processes and hiring staffManaged collection efforts of the bank including managing local and international collection agencies, and formulated collections strategies to ensure delinquency and losses were within budget Part of the core team that set up a new consumer finance company in the UAE, Dubai First. This included setting up of the brand, obtaining premises and systems, setting up processes and hiring staffManaged collection efforts of the bank including managing local and international collection agencies, and formulated collections strategies to ensure delinquency and losses were within budget



Citibank

• Banking
• 700 & Above Employee

• Vice President - Credit & Collections

  • Apr 1994 - Sep 2005

  In India between 1994 and 2002 where I was involved in a variety of roles in the Retail Credit and Collections function across locations, culminating as the Regional Credit & Collections Head for the Eastern Region based at Calcutta. Moved to Citibank, UAE in September 2002 and was their Head of Collections. In India between 1994 and 2002 where I was involved in a variety of roles in the Retail Credit and Collections function across locations, culminating as the Regional Credit & Collections Head for the Eastern Region based at Calcutta. Moved to Citibank, UAE in September 2002 and was their Head of Collections.