Experience

Noor Bank

• United Arab Emirates
• Banking
• 700 & Above Employee

• Assistant Product Manager, Business Banking

  • May 2014 - Present

  •Monitor product portfolios – Business Finance, Business Asset Finance, Commercial Vehicle Finance, Business Cards and Business Accounts – and track portfolio growth vis a vis targets. •Monitor rejections, reasons for rejections and coordinating with Credit to reduce rejection rate for Asset products.•Monitor Turnaround Times (TAT) of cases for different products for adherence to processes and checking submission, approval and timely disbursal.•Tracking sales performance and structures.•Assisting Head of Products in monitoring revenue numbers and keeping track that these are in line with overall targets.•Reviewing policies and identifying changes required to make it more competitive with the market.•Responsible for training and development of frontline staff to enable them to handle customer queries effectively and efficiently. •Responsible for developing test and training materials and getting these uploaded on the Bank’s intranet for the benefit of front end staff.•Responsible for administrative and marketing requirements of the unit in terms of designing, approving and procuring marketing material and collaterals.•Ensure that all audit, sharia and other regulatory requirements are adhered to.•Track and update competitive scans to get better understanding of Business Finance and Credit Card vis-à-vis competition.



Mashreq

• United Arab Emirates
• Banking
• 700 & Above Employee

• Assistant Product Manager

  • Feb 2012 - Apr 2014

  •Developed the Islamic Credit Cards proposition and managed the entire project from market research, policy, marketing, processes and system development requirements. •Developed the Business Banking credit card proposition and managed the entire product from initial stage of research, policy, financial analysis, marketing, process and liaising with IT on system development•Successfully managed the entire Supplementary credit cards portfolio to meet the overall strategy for achieving annual plan on supplementary card acquisition, enhancing supplementary card penetration, increasing spends and revenue.•Drafted and implemented guidelines for Ename Check for Supplementary Credit Cards.•Developed and executed marketing plans and programs - both short and long range to ensure the market share growth and expansion of credit cards.•Responsible for building attractive value propositions on credit cards involving identification of potential customer segments, establishing strategies for product development, revenue / cost dynamics of the card business and effective customer communication.•Managed Partners and vendors to ensure the best value propositions are made available at low price points •Worked towards increasing the overall profits for the business through the increase in customer take up, customer activity and engagement and customer loyalty towards the segment specific card programs.•Worked with card acquisition to define acquisition channels and sales objectives for the business and to define the overall acquisitions strategy year on year.•Worked with Credit in developing strategies with respect to opportunities, risks, and expansion thereby balancing credit requirements with those of sales and customers experience.

• Retail Credit Policy Officer

  • Jan 2010 - Feb 2012

  •Comprehensively analyzed portfolio including Small Business Owner Loan, Small Business Lending, SME Auto, Merchant Overdraft & Merchant Services based on losses and yield.•Managed and authored product program for lending which includes critical evaluation of economic scenario, identification of critical risk levers and amendment to the program based on business and portfolio inputs on a continuous basis.•Ensured risk charge rate for applicable products is within plan.•Designed and implemented Credit Visit Process for all Self Employed products leading to enhancement of overall process efficiency.•Conducted quality review for all products within Retail Credit to ensure compliance to stipulated Policies, Audit and CB regulations.•Structured and executed test within products to explore segments for growth. Conducted stress test of the portfolio and risk based segmentation at regular intervals to monitor portfolio growth and direction. •Worked with technology to automate and upgrade MIS requirement on a continuous in order to facilitate enhanced portfolio monitoring.•Ensured acceptable portfolio quality and satisfactory audit and consumer examination rating. •Supported Operational Risk Management as a Business Risk Analyst by providing periodic feedback on key risk indicators.

• MIS Analyst

  • Jan 2009 - Dec 2009

  •Facilitated in policy formulation by providing MIS/ analytic support for existing and new products.•Rolled out monthly / periodic credit MIS pack on each product in keeping with policy and business requirements.•Worked closely with technology to build a comprehensive data platform anticipating information needs across products with a view to ensure multidimensional data analysis capability.•Prepared monthly, quarterly and yearly reports using tools & interfaces (Excel, SAS EG4) for Retail UAE, International Banking (Egypt, Bahrain & Doha) Product wise portfolio.•Prepared portfolio reports for Retail products as per UAE Central Bank format and report to Central Accounts Dept (CAD) •Focal point for all Mortgage MIS – Conventional and Islamic Mortgage•Generated Mashreq Property Price Index (MPPI)•Preparing Mortgage Portfolio Review presentations for Policy Manager’s analysis •Prepared and analyzing the Early Track Report and Plan Vs Actual Reports on monthly basis •Member of Risk Task Force and conducting ‘Exposure check’ for RBG products for companies highlighted by Risk Task Force

• Senior Customer Service Officer

  • Sep 2003 - Dec 2008

  •Responsible for entire branch activities in the absence of Branch manager, •Ensured customer satisfaction through timely & effective solution to Customer’s requirements & complaints, •Selling Osool products including personal loans & auto loans, •Looked after operational aspects of Branch- making sure that all activities are performed as per SOP, •Prepared MIS for sales forecast for the branch, •Prepared Monthly Exception Report for Audit purpose,•Conducted product and branch operations training for new joiners.•Prepared Petty Cash Report & arranging for reimbursement from CAD.