MarkAI Group is a dynamic and diversified company established in 2019, with a vision to deliver exceptional services and solutions to businesses in the United Arab Emirates (UAE) and beyond. We have rapidly grown into a conglomerate of specialized subsidiaries, each focused on a specific industry, catering to the evolving needs of our clients.MarkAI Commercial Brokers LLC: As a leader in omnichannel distribution services for banks, MCB helps our banking partners achieve their distribution and portfolio enhancement goals. With a stringent quality environment and a cost-effective approach, we facilitate the distribution of a wide range of banking products, including mortgages, personal loans, credit cards, business banking accounts, and business loans.MarkAI taXperts: is a specialized advisory firm focusing on CFO Services, Tax Advisory, Cash Flow Consultancy, Accounting & bookkeeping, and advisory on overall financial health for organizations. With the ever-changing business landscape, our dedicated team offers tailored solutions to navigate complex tax regulations and ensure accurate financial records, ultimately fostering the financial success of our clients.MarkAI Corporate Services LLC: In 2020, we expanded our services to include business incorporation services in the UAE. Corporate Services specializes in company formation and offers a comprehensive suite of services to support new businesses, such as bank account opening, investment advisory, accounting services, PRO services, office rentals, staff hiring, PR and customer events, local travel and tourism services, and personal concierge.MarkAI Real Estate LLC: Recognizing the immense investment opportunities in the UAE's real estate sector, MarkAI Real Estate was launched in 2021. As an authorized contracted sales consultant for more than 50 top developers in the UAE, we provide expert guidance and assistance to international customers looking to invest in both commercial and residential properties.

We are one of the fastest growing Business Set-up Consulting firms in the UAE, with our leadership team having over 35 years of combined banking and business expertise in the country. We provide a one-stop solution to entrepreneurs and organizations from across the globe for their business setup in the UAE. Starting from your company registration in Offshore, Mainland or Free zone, we become your trusted partners in every other aspect of business service that you may ever need in the country. These include but not limited to: corporate bank account opening, all government and regulatory approvals, visas and health insurance, office leasing or purchase, office interiors and IT Systems, Accounting and VAT, Staff Recruitment, PRO services, Virtual or in person event management, Travel services, concierge services and any other service that you may require. We remain at your service round the year, 24 hours a day. You just focus on your business and leave all your administrative and support services to us.

Key Achievements : Launched the Agile banking concept in Personal Banking Segment in Jan 2018. Within a year, completely turnaround the business from a loss making for 4 years to making significant profit. Operational efficiency improved by 27% and Customer NPS by 23%.  Led the Digital onboarding project in the bank for Liabilities and AssetsKey Job Deliverables :  Segment P&L owner. Managing an Asset and Liability book of more than AED 10 Billion. Responsible for topline delivery of more than AED 350 MM through Net Interest Income, Product Fees and FER.  Lead Sales, Product, Governance, Operations, Collections, Underwriting and IT as a part of the AGILE organizational structure. Own the end to end product profitability, policies and processes of Retail Liabilities and Retail Assets.  Own and deliver the Customer NPS scores for the segment through all the touch points including Digital , Branch and Call Center.  Digitize not only the customer facing processes but all the internal processes too.  Drive world class People Engagement practices across the team of more than 300 people delivering in excess of 80th percentile score in the annual Gallup Survey.

Head of Multi Product and Multi Segmant Sales, including Retails Assets, Credit Cards, Insurance, Mortgage, Liabilities, Pay Roll and SME Acounts & Assets

 Hired with objective of revamping the Direct Business Channel of Mashreq Bank.  The channel today forms an integral part of the Retail Banking Unit with a team of 375 people. The Units under the chan nel include, Telesales for multiple banking products, Credit Card Portfolio Management, Business Banking Portfolio Management Unit, Authorisation Unit, Internal Controls, Quality, Analytics, E channels Fulfillment Unit, Premium Banking Support Unit and Inbound Call Center.  Within the first year, the team has already increased the organic growth of the Revenue Lines responsible for by over 63% compared to year before.  Sponsored 8 process re-engineering projects across units and personally led an end to end LEAN project at the Inbound Call Center.  Drove the concept of Net Promoter Score and Customer Experience Management Score across the units responsible and the Bank.

 Promoted and moved as Head of Distribution and Liabilities for the country with full operating and P&L responsibility and leading a team of 150 people spread over 06 locations.  Within 3 months created the new vision and business plan for the department that repositioned a cost centric Service network to Multi Product Distribution Channel. Led the team to Generate a revenue of AED39 MM in year one with trading margin of AED 9.8MM, through Customer Relationship Building, world class service delivery, cross-selling and referral development.  Directed a number of process re-engineering efforts which resulted in operating expenses reducing by over 20% in 2009 compared to previous year.  Led design and implementation of Customer Care process to proactively manage customer issues and ensure reduction errors. Key Service Indicator for the team improved by 37% and complaints reduced by 23%. Identified process and policy gaps in Teller Operation areas and created a team to address the issues urgently. The same team was trained to indentify any potential future gaps. The Process and Policy Audit Rating for the team was rated “Satisfactory” in the annual audit review.  Instilled high levels of People Management skills in the Leadership Team of Distribution and developed strategic people focus process including Training Calendars, Succession Plans, Key Talent Management grid and Personal Development Plans. Voluntary Attrition was at 7% for the year with NIL at Leadership Team. General Management responsibilities include, • Working with Central Bank for all Statutory Approvals related to Processes and Licenses. • Working Compliance, Legal and Internal Control on all Audit and Policy related issues. • Working with Central Team like Treasury Desk, Back-end Operations, Call Center, Finance and HR for day to day operations.

 Recruited by the Bank from ITes and was challenged with Turning Around of critical teams of Service Quality, Alternate Channels and Phone Banking. Introduced best practices and concepts from across industries I had worked before joining the Bank.  Initiated a number of Process changes using Kaizen, Lean and Six Sigma principals across various operations across the bank. Within 04 months the number of complaints came down to one third and by the end of the year to one fifth.  Led design, development and implementation of latest concepts and technologies available in Call Center industry. Within 18 months, the Call Center of the bank was shortlisted amongst the top 5 Call Centers in EMEA across industries at the Annual CCA awards.  Honored by CCA in Edinburgh as amongst the top 02 Service Directors in EMEA at the annual CCA awards. Grew the Alternate channel business from Scratch. It involved launching of E Banking, Revitalising of IVR, Launching of E Statements and Growing the ATM network.  Lead and directed a number of process change management teams across Credit Card Operations, Account Services, Branch Operations, ATM Managements, Wealth Operations and Vendor Management.  Grew the cross sell focus in the call center and within 14 months it became the only call center in the RBS world which not only generated enough revenue to cover its costs, but contribute to the bottom line of the Consumer Finance P&L.  Instilled the concept of small and easy process changes leading to increased client centricity across the Bank.

My Team was responsible for, Work Force Management, Forecasting and Planning, Data Analytics and Six Sigma projects for the site. Job Profile: • Drove all the Financial and Business metrics for the site.• Monitored and responsible for all Quality metrics for the process.• Forecasting, Planning, Scheduling, Reporting and Analytics for all the verticals at the site• Driving Six Sigma projects for the site• Representing site at all global forums of Dell and DISMajor Achievements: • Site Lead of the Quarter, Dell International Services, for Q1 , FY 2006• Launched the Dell Gurgaon site along with Project Management team in a record time of 18 months. This site utilizes world class technology platforms and seats more than 3000 people. Earlier Roles at Dell:• Recruited as Technical Support Area Manager, Dell Hyderabad, in Oct’03 • Promoted to Technical Support Senior Area Manager, SME organisation, Dell Hyderabad, Oct’04 • Promoted to Site Leader, Worldwide Partner Management Team, Oct’05