Experience

Dukhan Bank

• Qatar
• Banking
• 300 - 400 Employee

• Retail Credit Manager - Unit Head

  • Oct 2020 - Present



Barwa Bank

• Qatar
• Banking
• 100 - 200 Employee

• Retail Credit Manager

  • Apr 2019 - Oct 2020

  Islamic Banking. Islamic Banking.



International Bank of Qatar (IBQ)

• Qatar
• Banking
• 100 - 200 Employee

• Retail Underwriting Manager

  • Feb 2013 - Apr 2019

  Retail banking professional with Credit Underwriting & Collections experience. Analytical capabilities for portfolio management.>Adept at managing Risk-reward balance for profitable business growth.> Qatar & GCC markets experience in roles with foreign & local banks.Specialties: > Hands-on experience of Credit policy,Underwriting & collections.>Analytical mind. Data driven decision-maker.>Solid Leadership capabilities – created winning teams by driving change, coached team members to take on senior roles.Contribute towards formulation of strategy, annual business plans, policies and procedures pertaining to Retail Credit to support organizational business strategy.Ensure that the department’s business plans are within agreed budgets and timescales. Provide timely, accurate and complete progress reports to the Chief Credit Officer on the financial and operational progress of the section.Update self on the regulatory requirements/changes set by QCB and other relevant government bodies, and, implement adequate changes in the department, including but not limited to staffing of employees, department deliverables.Maintain highest standards of professional conduct, ethics and integrity in the provision of services in the department. OPERATIONALPerform all activities, as assigned by the CCO, in compliance Bank’s policies and approved Underwriting policies and procedures.PEOPLE MANAGEMENTAllocate work deliverables, and, support employees within the department in efficient operations of day-to-day tasks and provide constructive and timely feedback to enhance performance.Support the department employees for setting career goals, in alignment with the function and organizational objectives.Conduct periodic performance reviews and annual appraisal activities for the Credit Administration department employees. Show less

• Collections & Underwriting Supervisor

  • Jul 2010 - Feb 2013



Mashreq

• United Arab Emirates
• Banking
• 700 & Above Employee

• Senior Recovery Officer

  • May 2006 - Jun 2010

  Advising for customers with consolidated exposure with Retail and Corporate and collaborate for financial restructuring of all their facilities with Remedial Loans, Advising and providing consultation on delinquent accounts with high risk consolidated liabilities Maximizing recoveries with direct impact on the provision Leading negotiation with client, peer bank representative, internal and external legal consultant. Monitoring and following all the outcome and updates of the delinquent cases Liaising with Credit and Retail units to ensure protection of the bank interest at Qatar and group wide levels by enhancing risk appetite, credit risk and legal advice on all legal aspects Attending and preparing presentation for NPL’s accounts, recommend write back, or provisioning accounts if necessary, or recommending legal action Recommending and propose action plans out of court as remedial solution Reviewing and proposing settlement plan; recommending restructuring and remedial solution based on financial analysis of the delinquent accounts Credit assessment and deep analysis of the group portfolio with liaising with Credit & Risk Department for Corporate profile having impact in the group portfolio Member founder of the FineOne Collections System with Dubai Collections Team and conduct full training to Qatar team. Show less