- Responsibilities:Remedial & Collections Management Spearhead operations of the Remedial & Collections staff to ensure timely collections of accounts falling into collection and remedial status. Evaluate status of existing portfolio to maintain portfolio delinquency ratio under prescribed norms. Analyze the market trends to assist in forecasting exercise. Prepare and rollout pre-collection plans to minimize past-due accounts. Analyze and align department policy, procedure and workflow to changing market dynamics and other related factors.  Interact with other departments in the bank for preventing / minimizing NPLs.  Assess and recommend accounts for write-off and rescheduling for maintaining organizational P/L.- Administrative Activities Manage day to day administrative aspects of the department in compliance to organizational policies and procedures to ensure seamless operations. Recommend changes to collection strategy effectiveness for various portfolios to the senior management. Assist the Ministry of Housing regarding credit strategy and proposed policy changes. Define and rollout productivity standards and optimize resource utilization through task allocation to team members. Evaluate team performance and organize training sessions for the team members based on identified training needs. Prepare and present various status reports to the senior management and other stakeholders to enable effective decision making.

Responsibilities: Managed operations of the credit & collections team involved in implementing Risk Credit & Fraud Prevention Policies and Procedures. Rolled out credit extensions to the clients based on defined credit policies and procedures. Assessed corporate lending proposals and rendered consultancy on facility structures and grade changes to relationships. Developed and rolled out strategies to minimize operational, financial and transactional risks and to enhance quality of the credit portfolio. Guided team members in accepting / rejecting loan applications based on the loans approval criteria and other credit management parameters. Defined and rolled out the Bank’s Legal and Collections workflow policy, procedures and strategic plans based on various statutory regulations and central bank guidelines. Facilitated the management support, business sponsorship, information and tools and functioned as a Member of Retail Banking Committee of the bank. Initiated policies related to escalating and monitoring activities to effectively control potential troubled accounts, including reporting of accounts to the Bahrain central bank. Highlighted critical technical issues and other operational bottlenecks to the senior management and other stakeholders for implementing effective.

1- Prepared the set-up of the Bank’s Credit Administration, Legal and Collections workflow policy, procedures and strategic plans.2- Prepared the set-up of the Bank’s Credit Administration, Legal, Collections daily, weekly monthly reports.3- Prepared the set-up of the Bank’s internal Operations workflow policy and Procedures.4- Prepared the set-up of the Bank’s Operations daily, weekly monthly reports (MIS).5- Maintained procedures and monitor activities for efficient and accurate day to day Credit and Collection process.6- Provided analysis on the market trends in order to assist in forecasting exercise.7- Provided an effective control over credit management.8- Responsible for monitoring, prevention, investigation of fraud on all products. Making recommendations to management on all fraud activities.9- Provided guidance to the Credit Administration, Legal, Collections and Central Operations unit staff to achieve their targets.10- Continually focus on process improvement, looking for ways for improvement in all aspects.11- Lead and develop to all risk policies, ensuring that what is implemented is monitored and managed at all times.12- Provide the rest of the management team with management support, business sponsorship, information and tools they need to excel in their roles. Lead, motivate and inspire resources as required on a day-to-day basis.13- Ensure that the banks internal operating procedures are strictly complying with the Central Bank of Bahrain rules and regulations.14- Call for Security files and independently check in-house documents prior to the annual review, highlight discrepancies in co-ordination with Relationship Managers and Legal Counsel.15- Review the new lodged documents in line with duly approved credit applications and detect deficiencies, if any, in order for the approved limits to be established in a timely manner and ensure that they are in accordance with the bank’s policy.

- Responsible for reviewing all new accounts applications. Identifying risk by reviewing and evaluating all relevant data.- Responsible for monitoring, prevention, investigation of fraud on all products. Making recommendations to management on all fraud activities.- Responsible for controlling and monitoring the volume of Collection Cases referred to High Level Contacts, lawyers and collection agencies.1- Managed and Leaded the Legal & Collections unit staff to achieve their and the department targets.2- Provided the overall departments training needs and plan that helped the staff to achieve their assigned goals & targets.3- Continually focus on process improvement, looking for ways for improvement in all aspects.4- Lead and develop all risk policies, ensuring that what is implemented is monitored and managed at all times.5- Provide the rest of the management team with management support, business sponsorship, information and tools they need to excel in their roles. Lead, motivate and inspire resources as required on a day-to-day basis. 6- Managed to reduce the Collections provision figures.7- Complete all collection tasks on a timely basis.8- Rewarded as a star performance several times for achieving the department targets.