Mohammed Naval Ur Rahman Email & Phone Number

Dubai, United Arab Emirates

• Review and analyse customer financial information, credit history, and other relevant data to assess creditworthiness and risk level.• Assess and mitigate risks associated with lending activities, including credit risk assessment, fraud prevention, and monitoring of loan portfolios.• Conduct thorough KYC checks on new and existing customers to verify their identity, assess risk levels, and ensure compliance with regulatory requirements.• Review, analyse and validate customer documentation, including identification, financial statements, corporate structures and beneficial ownership information - ensuring compliance with internal procedures.• Conducting ongoing monitoring of clients, including periodic reviews and enhanced due diligence when required• Identify potential AML concerns and escalate to appropriate senior management during the on-boarding and ongoing review process• Ensure a positive customer experience by addressing inquiries, resolving issues promptly, and maintaining high service standards throughout the lending lifecycle.• Coordinate with cross-functional teams such as credit, Business Development, legal, compliance, and IT departments to streamline processes and implement improvements.• Conduct initial screening and assessment of customer information to validate authenticity and eligibility for participation in the lending platform.• Manage the end-to-end onboarding process for new borrowers and lenders, ensuring smooth and efficient account setup.• Preparing Companies for Listing in the Market Place • Preparing Legal Documentation and Financing the Companies • Stay updated with regulatory changes related to lending practices and ensure operational processes comply with legal requirements and industry standards• Implement quality control measures to ensure accuracy and completeness of loan applications, documentation, and financial transactions.

India

• Maintain detailed records of vouchers, invoices, and payments to ensure accuracy and organization.• Handle day-to-day accounting duties and manage petty cash disbursements efficiently.• Generate invoices and diligently follow up on pending payments to maintain a healthy cash flow.• Monitor all financial transactions, identifying irregularities in invoices, and oversee bank deposits and payments.• Manage all banking-related tasks, ensuring smooth financial operations for the organization.• Keep a vigilant eye on the organization's cash flow by monitoring income, expenditures, and investments.• Identify areas for cost reduction to optimize profitability and enhance financial performance.• Prepare comprehensive profit and loss statements for a clear financial overview.• Develop and implement financial policies to streamline organizational practices.• Take charge of finalizing accounts, actively participate in audits, and oversee all accounting activities.• Ensure strict compliance with accounting and tax laws to uphold legal standards.• Monitor economic and financial changes, adapting strategies accordingly to maintain financial stability

Dubai, United Arab Emirates

• Ensured compliance with AML policies and regulations by analyzing individual and corporate transactions.• Managed a team of 8 members in conducting Enhanced Due Diligence (EDD) verifications, corporate onboarding, and risk assessments. Oversaw documentation and approvals.• Established filtering and monitoring systems to detect suspicious transactions, enhancing organizational security and regulatory compliance.• Evaluated and initiated investigative procedures in response to alleged violations of rules, regulations, and procedures, ensuring swift resolution and adherence to compliance standards.• Oversaw due diligence procedures, identifying and reporting Anti-Money Laundering risks to stakeholders. Implemented remedial measures as necessary.• Regularly reviewed customer files to maintain accurate records and ensure compliance with AML and KYC requirements, promoting transparency and accountability.• Tailored the Know Your Customer (KYC) process to align with organizational capabilities and regulatory standards, streamlining operations and enhancing efficiency.• Conducted periodic reviews and produced comprehensive reports on merchant activities, facilitating adherence to industry regulations and KYC requirements.• Assist with client onboarding procedures, including account setup, documentation review, and regulatory compliance checks. Provide ongoing support to clients regarding trading procedures, account inquiries, and regulatory requirements.• Maintain comprehensive records of trade transactions, settlements, account balances, and other operational activities.• Identify opportunities for process improvement, trading systems, order management systems (OMS) within back-office operations

India

• Provided support in inventory management, ensuring timely receipt, dispatch, and invoicing of customer-owned inventory.• Compiled and prepared various reports including daily dispatch reports, credit reports, sale letters, accident reports, commercial tax, and temporary vehicle permits.• Managed billing and invoicing processes, including discounts and sales of older year vehicles to various companies, ensuring accuracy and compliance.• Utilized systems to create stock orders, monitor physical stock, and address concerns such as diesel adulteration in vehicles from the warehouse.• Coordinated the transfer of vehicles to Regional Sales Offices (RSO) by managing drivers, vehicles, and routes, ensuring timely delivery.• Played a pivotal role in annual audits by conducting quarterly mock audits of over 500 vehicles in the warehouse, providing comprehensive reports.• Processed documentation for incoming stock items, ensuring accurate records for purchase, repairs, disposal, and return.• Identified and sourced suppliers for all market-related needs and activities associated with KRS Roadways, fostering strategic partnerships.• Maintained reporting spreadsheets using Microsoft Excel for daily, weekly, and monthly updates, ensuring data accuracy and accessibility.

Master Of Business Administration (M.B.A.), Finance & Marketing, 73

Activities and Societies: Active in Management Fest and Arts

Bachelor'S Degree, Economics, 70

Diploma, Accounting, A