Haider Abidi Email & Phone Number

Dubai, United Arab Emirates

Dubai

*Conduct sampling of all approved applications for all products and ensure policy & process adherence*Any regulatory breaches should be immediately highlighted and approved at respective levels*Ensure the Operational Risk policies are fully implemented and adhered to in daily processing*Raise Risk Events as per the policy guidelines*Ensure that all Dispensations/Waivers/Breaches to the Group Policies are raised in a timely manner*Ensure timely submission of Risk Control Assessment (RCA) along with testing evidence on quarterly basis*Ensure PAR and SAR reports are circulated by 15th of reporting month and feedback is shared with policy teams to amend the guidelines accordingly*Regular review of delinquency by respective credit underwriters to highlight any exceptions and actions to be taken accordingly*Assist in the implementation of new Central Bank Notices & Circulars

Dubai

*Effectively analysed and processed Credit Applications of all products (Cards/PIL/BIL) and ensured escalation within the turnaround time*Delivered high output quantity with complete adherence to procedural compliance, completeness, accuracy and consistency*Ensured that credit analysis is carried out with marginal level of errors*Conducted and led sales training sessions for the Barclays sales team*Successfully improved department credibility and performance by providing high quality service to customers and quick turnaround times of applications*Ensured the process flow for the specified product are adhered to and are as per banking guidelines*Ensured MIS is shared with the relevant stakeholders in a timely manner*Assisted in minimizing and proactively controlling credit losses by ensuring checks are carried out to identify fraudulent documents *Provided interface and feedback to Managers, clarifying policies.*Ensured a critical balance between risk and customer satisfaction.*I was an active member of UAE Credit Online group, which was a one point contact for resolving queries / complaints of Direct Sales, Call Centre & Complaint Management Team*Multi-layered analysis of business related transactions which include transaction patterns, cash flow, and correlation between businesses features vs. cash flow behavior.*Preparation of Rating Model which includes assigning grade based on both financial & non-financial aspect of the business. Parameters include level of leverage, debt coverage, Profitability Trend, Turnover Trend, business outlook, Years of relevant experience & Buyers/Suppliers Concentration.*Analysis of Business Assessment Report which includes Company description, Business Overview, Business Location, Production Process, Suppliers/Purchases concentration/diversification, Buyers/Sales

Pakistan

*Prepared daily MI for Auto Loans applications*Maintained purchase orders and coordinated with respective dealers *Maintained MIS and ensured reporting is done on a daily basis to branches and credit*Ensured adequacy of documentation and updated the case details in the system (loan booking)*Ensured auto loans are settled in line with the policy requirements*Disbursement of auto loan in the system*Ensured maintaining MIS on Insurance for auto loans*Coordinated with Insurance companies for the settlement of claims.*Handled post disbursement activities (account payable clearances, indemnity clearances and Insurances etc)*Ensured maintenance and circulation of monthly disbursement reports

Bachelor Of Commerce (B.Com.)

Hsc L & Ll, Pre-Engineering