• Evaluating customer creditworthiness• Scrutinizing KYC details & financial documents to evaluate Customer profile and liabilities.• Set up finance process with partner banks for quicker TAT• Tied up with 6 major banks in the UAE for financing auto loans for cars 24 customers.• SOP created for operational efficiency.• Successfully launched Digi loans with CBD, the first of the kind in UAE with only• EID as doc requirement and 100% financing option• Part of the core team working on digital initiatives with partner banks• Streamlined account receivables.

-Credit approvals for Salaried & Self Employed customers within TAT for auto loan applications as per the grid with panel banks with approval rate 98% & 95% respectively-Approving of personal loan applications for 20% down payment & Processing credit operation for complete post credit approval-Retail Leasing Credit Processing for auto department of Hertz Rent a car-Operation processing of down payment applications for Promise to Pay ( P2P ) customers-Processing Subvention deals across multiple brands Honda, Chrysler, Dodge, Volvo-Managing day-to-day operation activities of the team & ensuring planned submission targets are met by the sales team-Responsible for preparation of checklist based on the policy and documentation criteria for every application submitted by the sales team -Acting as an interface and conduit between sales support function / Business Mangers & Financial Advisors-Expertise in handling challenging / decline cases & Supporting the sales / showroom to achieve monthly targets-Generating MIS for Honda, Toyota, Chrysler, Dodge, Volvo & Automall for Abu-Dhabi region-Maintaining service in complex high profit relationships, emphasizing retention and cross sales of other company products-Training the new team members on the product, policies & systems effectively

•Recommendations as part of the Credit Role-Credit Analysis of Overdraft sourced by PAN UAE branches and sales with decision for the same with re commendation.-Recommended the overdraft facility to the applicant, based upon the credibility of applicant’s debtto income ratio-Recommended of approval decline to higher management with analysis for their approval-Analyzed the existing portfolio and made recommendations to modify the lending policy accordingly-Provided with recommendations of approval decline based on the complete system check in orderto evaluate customer’s eligibility for the issuance of Over Draft•Verification part of Credit Operations Role-Managed Credit Processing of Personal Loan applications for PAN UAE as per Emirates NBD BankCredit Loan Policy-Prepared IIR (Installment To Income Ratio)-Scrutinized the Bank Statements to check for prior liabilities or possibilities of manipulation-Handled the documentation verification and disbursement of Personal Loan applications sourced by the sales team and branches PAN UAE-Coordinated with sales team and within department to ensure smooth operations with a minimumturnaround time-Supported Sales Branches to achieve their monthly targets-Trained new employees regarding the product, policies processing of the loan Overdraft-User Acceptance Testing ( for the new system launched FinnOne by the bank (Personal loan Overdraft)

-Worked on segregating the loan documents processed from backend while classifying the documents on the required criteria-Worked on collateral batches, (most important document of the Loans – 1003 Applications, Credit Report External & Internal, Note, Tax Returns, Pay Stub, Power of Attorney)-Created a New Loan Set Up by uploading the new loan number on the System

-Managed the credit processing of Personal Loan, Mortgage Loan, Auto Loan Education loanapplications as per H S B C Credit Loan Policy-Prepared Debt to Income Ratio (DIR)-Scrutinized the Bank Statements to check for prior liabilities or possibilities of manipulation.-Co ordinated with the Fraud Detection Cell Unit (FDC)-Trained new employees regarding the product, policies processing of the loan.

•Provided and researched data for US based client, Financial Times Interactive Data (FTID)•Provided and researched data for the dividend announcements for securities listed on NYSE, NASDAQ,AMEX, Toronto Stock Exchange (TSE) and WSJ•Sourced for particular securities that are Dually Listed i e securities listed on both the US and Canadianstock exchanges and updated the same in system factoring currency exchange rates•Gathered information of listed companies through the newswires and press releases on the companywebsites•Researched on required company profiles and updated the system making it available for FTID clients•Analysed and researched dividend data meeting with requirements of Accuracy, Timeliness andReliability

-Reconciled data and uploaded the files provided by the clients in the Disbursement Software for PAN India-Mediated with multiple Branches to insure the Demand Draft and supervised the Pay Order printing-Passed entries into Finacle a software used to upload data entries in the system-Processed files for issue of fresh Demand Drafts (DD)-DD in lieu of dividend warrant-DD against Electronic Clearing Service rejects-Fresh DD in place of old once-Created the EOD Report for Complete Payment Department-Prepared and shared MIS with different clients based on requirements-Uploaded the Drawing Disbursement Office (DDO) in the system for clients PAN India