Mamta Bachani Email and Phone Number

Leading control and operations team. Timely submission of KRI & RCSA. Liaise with internal and external teams (PWC) to roll out ‘Consumer Protection Regulation’.Lead audit SPOC for Personal Banking Credit & Collections. Handling multiple projects for system enhancements and automation.Review and provide recommendation for UAE & International Credit Lending in Egypt and SaudiAutomate policy parameters and financial delegation in the Loan Origination System (CLAPS) to… Show more Leading control and operations team. Timely submission of KRI & RCSA. Liaise with internal and external teams (PWC) to roll out ‘Consumer Protection Regulation’.Lead audit SPOC for Personal Banking Credit & Collections. Handling multiple projects for system enhancements and automation.Review and provide recommendation for UAE & International Credit Lending in Egypt and SaudiAutomate policy parameters and financial delegation in the Loan Origination System (CLAPS) to eliminate subjective underwriting. Present the quarterly Portfolio Deck to the Retail Risk Policy Committee & CEO with recommendations & updates pertaining to credit risk. Identify opportunities for X-sell, top up's and limit increase to reward good boy customers and boost ENR / revenues in discussion with Business. Show less

Lead a team of 14 staff assigned for underwriting unsecured products, handling exception cases only. Review all lending’s to Excellency and HNW clients, held an approving authority of AED 100K. Coordinate with policy, compliance department to ensure low delinquent and fraudulent cases.Maintain MIS to monitor the approval rates, disbursement and approval turnarounds.Re engineered processes to curtail down re instate percentage to an all time low of 18%.Conduct timely reviews… Show more Lead a team of 14 staff assigned for underwriting unsecured products, handling exception cases only. Review all lending’s to Excellency and HNW clients, held an approving authority of AED 100K. Coordinate with policy, compliance department to ensure low delinquent and fraudulent cases.Maintain MIS to monitor the approval rates, disbursement and approval turnarounds.Re engineered processes to curtail down re instate percentage to an all time low of 18%.Conduct timely reviews for delinquency reports, audits, and staff performance. Evaluate deviation cases and review performance of same. Contributed in acquiring smart loan portfolio of 13 million in Sep 2012, highest recorded achievement in ADCB since its re launch.Assisted in UAT testing for scoring model (cards). Show less

Handled retail products - cards and non-salary transfer loans, and Small & Medium Enterprise loans.Lead a 11-member team and introduce paperless underwriting and streamline processes. Review with business teams and evaluating exception cases that fall outside the policy. Maintain MIS to monitor workflow in credit as per SLA and track staff productivity. Held approval delegation of AED 150K for SME products.

Check credit documentation, risk coverage adequacy, detection of fraud applications. Undertake investigations into borrower’s credit worthiness to evaluate financial strength, liquidity status, profitability, growth potential, and operational cash flow. Zero-in all ageing cases to maintain minimum turnaround time (TAT). Successfully participated in ARR review (Audit) with Satisfactory rating, Effective RCSA & Zero Business Issues (BI's)