Financial Adviser: Dealing with elite clients in the market who are looking for a finance for buying a newProperty or needs finance against the property and also every other finance products available in UAE.As independent consultants, we search the market for the best deals to ensure that our customers get the maxi-mum benefit in terms of interest rates and applicable charges; I provide end to end service. Saving our customer’s time. I provide expert independent advice for Home Finance, Project finance, Ware House finance, Business Finance, Trade facility & Personal Finance.• Directly reporting to Manager Operations Home Finance and Head of Mortgage Sales. • Making coordination with different departments like Sales, Credit, Product and collection department.• Reviewing of second stage document after signing of FOL from customers.• Setup the appointments of customers for the transfer of the property. • Work with various lenders to find the best deal for a homebuyer.• Originate loans to sell to lending institutions.• Act as an intermediary between a lender and a borrower who needs a mortgage loan.• Evaluate pay stubs, credit history, and bank statements for financial status.• Work to ensure compliance with banking and or finance laws in the jurisdiction of the consumer.• Verify the income of the borrower as well as gather their credit information.• Follow through with lender and client during approval process.• Explain the legal aspects of the loan to the borrower as well as the payment terms and clauses to them.• Define repayment terms to consumer and educate them on default consequences• Creating MIS and Reports on daily Basis of FOL Issuance, Booking and Settlements.

STANDARD CHARTERED BANK - MANAGER COLLECTIONS/RECOVERIES - Assistant Vice President Hyderabad, Pakistan Dec. 2006- To April 2013• Managed Credit Card, Personal and Car loans portfolios.• Handled all departmental administration Works, System and Quality Assurance.• Investigate the Fraud Cases and possible to take possible legal action to resolve the cases • Counseled Delinquent customers on account maintenance and managed the process.• Negotiated re-payments on credit cards and personal loans within corporate guidelines• Managed repossession on past due accounts where delinquency has not been resolved• Charged off accounts with deficiency balances after all collection efforts have been resolved• To Motivate and train subordinates • Evaluated and appraised performance of Team members and provide counseling• Produced weekly and monthly reports as needed by RRH/RCH / Daily communication• Coordinated legal department to execute collection of bad debts.• Audit Facilitation for local and group audits.• Provided training to the credit department related to risk and defaults.• Credit Risk - Which is purely related to lending(Lending Policy etc.)• Operational Risk - Which is related to process and operational activity within unit.• Environmental Risk - Which is related to market• Regularity Risk - Which is related to regulators, as there policies may influence business directly • Maintained the integrity of the bank policies and procedures• Managed recovery portfolio & team of all products. (Secured & Unsecured).• Implemented new strategies and tactics to improve collections• Achieved assigned recovery targets to contribute the organization's financial performance.• Effectively enhanced the recovery rates across products.• Managed recoveries through vendors complying with Bank's standard on vendor management.

• Managed the portfolio of Credit Card and Personal Loan.• Supervise team of 8 Collection Officers. • Train associates and provide support in the resolution of client issues• Achieved several targets in terms of both bringing in new clients and financial targets• Reduce the delinquency as per Budgeted target by the management.

• Managed all client correspondence related to defaulted portfolio• Informed customers in regard to their account status and payment options.• Successfully achieved all the targets set by the management

• Manage total store level operations, including staff hiring, training, evaluation and work schedules• Dealt with In-house as well as Corporate Customers• Maintained Monthly Sales Report and achieved monthly sales targets• Controlled, calculated, and reported daily Sales.• Updated Corporate Customers with upcoming new corporate deals.• Provided demonstration of new deals and handset Models to representatives of corporate clients• Achieved the highest sales growth in region by making new sub dealers

• Handled all aspects of inventory• Bookkeeping• Payroll• Performed daily bank reconciliations• Billing• Daily Reporting in all aspects of the Duties