Experience

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  Gulf Finance Corporation PJSC

  • Jumeirah Lake Towers

  • Assistant Manager, Finance Operations

    • Oct 2015 - Feb 2017
    • Jumeirah Lake Towers

    To assist the manager in handling all Customers requests, initiating all payment allocations, managing Cheques, managing Customer expectations. •Monitoring of the Bank statements and timely allocation of funds in accordance with the instructions received.•Handling all customer requests and managing customer expectations•Liaising with various stakeholders (including Legal, Credit, Business, and the Customer) to enhance customer experience and ensure relevant templates are available to support customer requests.•Handling PDC and TFC’s and ensuring presentation of cheques is completed in line with the instructions received from collections/ management. •Monitoring Bank statement monitoring and cash allocations to accounts in line with established policies and procedures•Sending updated MIS to the management in a timely and accurate manner.•Identifying and reporting all risks identified to the management and working towards being Audit ready at all times.•Assisting the management in attaining a “Satisfactory” Audit rating for the year.

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  Standard Chartered Bank

  • Downtown Dubai

  • Credit Analyst Officer -Credit Risk Control UAE & MENAP

    • Apr 2010 - Sep 2015
    • Downtown Dubai

    SME Operations (Oct 2012 - Sept 2015):To manage, develop and execute a ‘first-class’ Credit Risk Control(CRC) unit in the SME CRC unit, within the overall group’s risk control strategies. To ensure the delivery of CRC capabilities to agreed service, cost, and risk targets within area of accountability.•Ensure that documentation is provided effectively for all the SME accounts. •Provide a high quality support and advice to the Relationship Managers in SME Banking on all documentation related matters. •Check appropriateness of all the securing documents waivers/deferrals received from Approving authority with reference to the Group policy. •Follow-up on deficiencies in security documentation and provide status to business teams. •Ensure renewal of insurance policies, trade licenses and other securities required as per approval conditions and Group guidelines. •Ensure all securing documentation & conditions have been perfected and met or waived held prior to drawdown of facilities.Quality Assurance (April,2010 - Sept 2012):Directly responsible for the implementation & the adherence of the Group's policies, procedures, service standards which supports the eCDD(Customer Due Diligence) process in CRC unit for UAE. •To Perform a QA check and approve as part of the eCDD process for all WB customers including Financial Institutions(FI) as per the group guidelines & procedures. •To Provide & sustain high service to Wholesale Banking(WB), UAE on QA of eCDD. •Manage data QA function of the team with the aim of maximizing productivity of the Team & to ensure that efficient and high quality services are provided to our valued customers. •To ensure compliance of all internal procedures & operations control. •Train team members to maximise the productivity or resources available and to monitor morale and motivate subordinate clerical staff.•Monitor workflows to ensure all eCDD transactions are promptly processed by staff who possess the compatible expertise.

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  ABN AMRO Bank N.V.

  • Dubai Outsource Zone

  • Credit Analyst - Credit Initiation Department

    • Sep 2005 - Aug 2008
    • Dubai Outsource Zone

    Worked for ABN AMRO Bank in Credit Initiation Department – Credit Cards as a Credit Analyst.Job Description :•Thoroughly experienced with the credit card products, reviewing and recommending approval of Credit Card applications of fresh & existing customers as per the product / credit parameters. •Ensuring that the applications received are executed within the stipulated time. •Ensuring proper checks are done, identifying fraudulent documents and recommending approval of Credit Cards to creditworthy customers in view of maintaining a minimum delinquency on Cards. •Thorough knowledge about the risks related to the product and precautions to be taken to minimize such risks and frauds•Catering the requests of the existing customers regarding the Balance Transfer Program (BTP), Smart Cash (SC), Card Upgrading / Downgrading, Limit Increase / Decrease on the Credit Cards, Linking / De-linking the Credit Cards, Re-issuing the cards already blocked upon bank / customer’s request, Issuing and Assigning Limits on Supplementary Cards. •Checking the credentials for the requested product, verifying the authenticity of the documents and assigning limits to the customers based on their credibility and adhering to the Product Program and Turn Around Time (TAT). •Making sure that the customers were informed regarding the variance of their security cheques, processing the Approved / Pending / Rejected applications on the system, taking decisions regarding the Approved applications ensuring that correct limits were assigned to the customers. •Compliance of Delegation Matrix, ensuring that deviation / rejected codes were marked accordingly & adherence to Product Program and Turn Around Time (TAT). •Providing feedback to Manager with clarifications and highlighting process gaps.

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  Emirates Bank International

  • Head Office - Deira Dubai

  • Credit Processor

    • Jul 2004 - Sep 2005
    • Head Office - Deira Dubai

    Worked for Emirates Bank International – Head Office in Retail Credit Center (RCC) as a Credit Processor.Job Description •Processing fresh credit cards applications which included customer & employee verification. •Processing of Balance transfers requests when applied for fresh credit cards. •Ensuring that analysis was carried out as per credit policy & procedures. •Timely analysing and processing of applications. •Processing Limit increase request for existing customer already holding cards with the bank.