Aaqil Rasheed Email & Phone Number

United Arab Emirates

Dubai

Dubai

Quality Assurance, MIS Control, Projects, Credit Escalations & Verification, After Sales Transations

Dubai

Preparation of unit annual plan in line with the department strategy. Continuously review for the improvement of retail performance management process and procedures. Review and constantly work for the enhancement of retail performance scorecard and ensure its effective implementation and instilment of a performance based culture. Ensure that guidelines and rules relevant to processes are implemented and followed.Authorization of all requests forwarded by branches.Ensure that all logged in processing and disbursement related complains are attended with in stipulated time.Provide solution related to processing and disbursement issues. Coordinate with sales/branches, marketing and other related departments.Review and preparation of MIS for management review.Continuously involved in recruitment and training of new staff. Handling team of 22 staff for credit evaluation of all the retail products, processing unit and After Sales Transactions.

Credit evaluation for retail products (Credit cards, vehicle Murhabaha, Fleet Financing, Goods Murhabaha).Through study/securitize all documents received for credit proposal. Analysis of financial documents of individuals/companies for credit worthiness. Preparing a credit appraisal note based on information provided and findings from various analysis.Maintaining TAT for all cases forwarded for credit facility. Responsible for managing credit risk of the retail banking products.Review of quantitative and qualitative risk indicators related to retail credit.Preparation of detail and appropriate MIS for management to analyze and give detail picture of retail credit.Coordination with Policy dept, whether strategic and business plans are consistent with risk appetite.

Review of all the credit proposals for fraud check. Approve all the retail product applications after verifications. Conducting risk analysis and assess the risk associated with credit proposal. Provide feedback on trigger points to the Credit Manager and Head Policy, to minimize specific industry related risks. Evaluate and verify quality of credit proposals submitted by Regional Offices before signing off for the relevant approving authority’s decision within the stipulated time frame. Monitor the credit processing operations and ensure coordination and optimum performance. Review of MIS for all credit proposals (approved and declined), which is forwarded to management for their review also coordination with other banks for continuous feed back for fraud companies and trends. Along with risk review of credit proposals all the contact point verifications (CPV) reviews and signoff done. Coordination with NI (Network International) for card activation/blocking, limit amendments, continuous coordination with collection departments for any fraud cases or collection case. Monthly review of issued card data base and review of usage pattern of customer, which also includes first usage report.

Proper analysis of application along with provided documents as per the requirement of bank policy for any facility for which customer applied. Detail investigation internally and externally from SE (sales executive) and customer on any fraudulent/fake document. Participate in establishment of training programs for credit initiation and CRM departments to improve credit and other skills and work in close coordination with the Manager and other officers in the department to improve skill sets in order to achieve objectives of the department effectively. Analyzing and monitoring mail order/counterfeit skimming attempts with the use of Online/real time credit card transaction system. Reduce the chances of counterfeit card fraud and proper maintenance of MIS of counterfeit, skimmed, stolen cards. Maintain MIS of charge back and disputed transaction and dealing with merchants and give training (about MasterCard & Visa Chip). Conduct training for new and on going merchants on card types and transaction handling. Responsible for training of different units in the bank from Fraud Prospect.Setting of parameters to its best on Risk Net, the fraud detection tool in accordance to regional fraud trends. Monitoring Risk Net parameters in accordance to fraud trends & making changes based on trends & requirements.Operates in defined risk management guidelines as approved by the Unit Head and Head of Retail Banking for Mashreq.Interact with different units within Retail Banking Group as per defined Service Level Agreements.Communicate with Acquirers regarding frauds at their merchants.Active member of Fraud Forum by associations & banks in the market. Handle customer related complaints/ inquiries and issues with a balanced between risk and services.Authorized to take actions as per the approved delegation matrix related to blocking or unblocking of card accounts.

Certification - Leadership Program

Mba, Finance