Mina D. Email & Phone Number

Dubai, Ae

Dubai

▪ Managing the non-performing assets portfolios of business banking for both secured and unsecured lending consisting of multiple products of business finance and SME facilities to control net credit loss by operating a centralized collection unit applying both inbound and outbound calling strategiesIn addition, managing the commercial portfolio of asset backed finance. Also, monitoring the classified pool of SME facilities under watch list to ensure a timely remedial action to control delinquencies.▪ Responsible for portfolio performance and collections strategies for both in-house and outsourced portfolios.▪ Responsible for setting collection targets and incentive plans, also, responsible for maintaining consistent performance to meet risk charge budget through intensive collections and legal techniques.▪ Hands on management over large tickets and problematic cases to ensure optimum recoveries through an intensive remedial management approach.▪ Responsible for conducting regular reviews for collections operating procedures, restructure and postponement policies to incorporate prudent amendments in align with market best practices and regulatory changes.▪ Responsible for approving / recommending cases proposed for restructure, deferment, discounted settlements and repayment plans (as per delegation matrix).▪ Responsible for preparing portfolio analyses, share collections MIs and feedbacks based on lessons learned in collections process to contribute towards formulating lending policies.▪ Responsible for capacity planning, recruitments, also, responsible for hiring collection agencies & legal firms.▪ Responsible for the effective management of hard-core legal practices including criminal, civil, provisional attachments, repossessions and sale of mortgage assets to maximize recoveries. In addition, to suggest prudent amendments to business partners whilst conducting regular reviews to legal practices, in align with regulatory changes and law of the land

Dubai, United Arab Emirates

Managing the collections department and reporting to the Chief Risk Officer with three direct reports: Collection manager, Legal affairs manager & Collection agencies manager, and team of fifteen collection officers handling the business and vehicle finance portfolios. That’s in addition to the ongoing involvement and support to the remedial management team handling commercial banking portfolio Responsible for managing the non-performing assets portfolios of business finance, vehicle finance, asset finance and commercial finance to control net credit loss by operating a centralized collections unit applying both inbound & outbound calling strategies. Also, monitoring the classified pool of facilities under watch list to ensure a timely remedial action to control delinquencies. Responsible for setting collections policies and procedures, and, to conduct regular reviews Responsible for setting the annual Net Credit Loss / Risk Charge budget and for achieving the same Responsible for setting expenses budget, and to manage the same efficiently Responsible for setting collection targets, incentive plans and to maintain consistent performance Hands on over the management of large tickets portfolio to ensure optimum recoveries through an intensive remedial management approachKey player for setting the reschedulement & deferment policies, and to conduct regular reviews Responsible for approving / recommending Reschedulements, deferments, discounted settlements and repayment plansResponsible for portfolio performance and devise collections strategies, also for capacity planning, recruitment, hiring agencies and legal firmsSuccessfully Implemented preemptive measures to proactively identify deteriorating risks at an early stage and to initiate remedial actions to control delinquencies, including:1)Companies profile changes project monitoring ownership changes , 2)Early tracker project monitoring accounts that possess potential risk , 3) Vehicle tracing project

Dubai, United Arab Emirates

Managing the non-performing assets portfolio of business finance loans and Auto loans (conventional & Islamic) to control net credit losses by operating a centralized Collections unit applying both inbound & outbound calling strategies.Managing a classified pool of non-performing SME facilities to control net credit loss, also, monitoring the classified pool of performing facilities i.e. under watch list to ensure a timely fashion remedial action to control delinquencies. Responsible for setting collections targets for both flows & written-off portfolios and monitor performance to meet the target.Managing portfolio performance, devise strategies based on key performance indicators to finalize allocation strategies.Responsible for recommending / approving cases proposed for reschedulements, deferments, discounted settlements and repayment plans (as per DLA).Responsible for capacity planning and recruitments to meet business volumes.Responsible for preparing portfolio analyses, share collections MIS and feedbacks based on lessons learned in collection process to contribute towards formulations of lending policies.Tasked with maintaining good relationship with authorities and external regulators to assist collection efforts. Also to review Hard-core and Legal practices on regular basis.Entrusted by the management to proactively identify deteriorating risks at early stages and to initiate remedial actions as a pre-emptive measure to control delinquencies . This includes the following on-going projects: Monitoring odd funding accounts with connected business lending.Monitoring companies profile changes (critical and non-critical) announced by publishing in newspapers. Early tracker watch list monitoring accounts possess potential risk by applying scoring module of common risk factors on regular portfolio.Successfully maximized collections activities and reduced delinquencies in an environment with limited legal tools and in the absence of a credit bureau.

Dubai, United Arab Emirates

Key Responsibilities:Managing the in-house and outsourced loans portfolios of Retail banking and Business banking (secured & unsecured lending) Responsible for reviewing potential loss accounts (provision) to align the net credit loss within the set budget.Managing the dedicated risk charge (GWO) forecast analyses, reported to the Head of collection & Head of Retail Credit on all secured & unsecured lending to highlight the gaps and areas of improvement to ensure the set risk charge and net credit loss (NCL) budgets are met. Managing portfolio performance, devising strategies based on the various key performance indicators to finalize allocation strategies for both in-house and outsourced portfolios.Responsible for recommending / approving cases proposed for reschedulements, deferments, discounted settlements and repayment plans (as per delegation matrix).Major Accomplishments:Successfully set up cost reduction initiatives at process/unit level to manage expenses within Budget.Multiple awards & recognitions for the remarkable and constant loans team performance. Successfully maximized collections activities at both in-house & outsourced portfolios to reduced delinquencies in an environment with limited legal tools and in the absence of a credit bureau.Instrumental in continuing commitment to external customers and ensuring minimal defects in customer interaction at the affiliate and within the Bank

Dubai, United Arab Emirates

Job profile: the organizational approach towards outsourcing started in 2008 - in align with global crises. The initial stage was for the vintage written-off portfolio (multiple products) and moved gradually forward to cover majority of the retail and business portfolios at different stages of delinquency. This was mainly from cost control perspective with similar or best results challenge! I was entrusted with the responsibility of setting up the outsourcing process, management of the external collections agencies and to negotiating the incentive pay-out (as per market best practices)Agencies were interviewed with their detailed profile to ensure that they are adequately capacitive (resources, management & system) to manage workflows. Market feedback was also sought.Responsibilities: Managing the collections agencies handling the outsourced portfolios of retail and business banking (secured & un-secured lending) Responsible for setting the outsourcing process for external collection agencies and to allocate the suitable portfolio based on their respective core areas of expertise.Managing agencies performance to ensure best performance within bank guide lines with effective cost approach and similar or better performance to the in-house team performance. Ensured collection agencies are adequately provisioned to manage current and additional workflows to achieve the assigned targets Ensured agencies are adequately trained on talks-off, negotiation skills and updated with collection guidelines.Responsible for timely preparation of monthly forecast reports and maintaining compliance standard at all times.Ensured achieving satisfactory internal and external audits and all findings are adequately closed.Accountable for reviewing respective domestic agency contracts and implementation of revised incentive, spot rewards and other performance improvement plans. Ensured agency invoice are reviewed, reconciled and billed in a timely fashion within set time frame.

Dubai, United Arab Emirates

Key Responsibilities:Tasked with handling a portfolio of classified borrowers directly and by assisting team leader.Responsible for maximizing recoveries and minimizing losses on bank’s classified retail portfolios.Involved in calling and visiting delinquent customers for achieving measurable recoveries targets. Negotiated with delinquent customers to provide debt solutions that are workable and acceptable to the bank.Involved in the inter assessment of borrower’s operations, financial position, strengths and cash-flows for proposed reschedulement, repayment plan cases.Follow up with international collection agencies for recovery on skip accounts.Involved in setting-off the liabilities by liquidation of available collaterals.Major Accomplishments:Bagged Mashreq GOLD STAR award certificate for the contribution to the Retail Banking /Risk management

Dubai, United Arab Emirates

Retail lending Sales executive - Retail banking -Consumer Finance products (loans & credit cards)

Alexandria Governorate, Egypt

CPV executive – Credit and account fulfillment unit- Retail banking -Consumer Finance (loans & credit cards)

Alexandria Governorate, Egypt

Retail lending Sales executive – Retail banking -Consumer Finance products (loans & credit cards)