Third Party Sales Risk Management (Retail Banking Products - Credit Cards, Personal Loans & Mortgages).

• Primarily Responsible for Staff training (New and existing) on Damac Mortgage Assist, the in-house mortgage advisory team to enable prospective clients to avail home loans from UAE Banks.• Training audience - Mortgage Advisors, Mortgage Tele-callers, Relationship Managers (Direct & Indirect property sales), Tele-sales Executives property sales, Promotional venues executives (Stands Teams).• product refreshers & soft skill training.• Mortgage related client objections training.• Secondary Training responsibility on Damac Product inventory (new product launches & refreshers on exiting inventory, site visits)• NHT program creation for new Mortgage Advisors.Additional key Highlights:*Crypto currency and the payment acceptance process.*CRM Ticketing tool enhancement.*LMS inputs.

-Training on FATCA / CRS process, AML/Sanctions & CDD (Customer Due Diligence), product training on Mortgages and Auto loans.-Implementation & Quality Assurance of the OR Tool Kit such as KCSAs/ KRIs & Sales Governance health Checks. Report exceptions on the Banks Global Risk platform (EORP-Enterprise Operational Risk Platform).-Mortgage Broker Empanelment.-Manage the SCH Operational Risk Forum (preparation of the ORF pack and follow-up actions to closure).-Nominated to conduct a Peer review on the SCB Direct Sales setup in Sultanate of Oman, the business subsequently received a satisfactory audit rating

Collections - Reporting to Head Collections Responsible for the reduction of losses for the Cards & Personal Finance portfolio.Manage a team of 12 Senior & Junior Collectors.Monitor standard of performance monthly & counsel under-performing staff.Identify potential collection risks & provide market feedback to Retail Policy Unit.Co-ordinate with external collection agencies and monitor their performance.Conduct mid & yearend appraisal of direct reports.Monitor Load balance & prepare Capacity plans for the unit.Meet and negotiate payment plans with difficult customers.Achievements - -Prepared up to date collections policy and process manuals for all collections activities with the assistance from Head Collections. -Prepared SLAs with various departments coordinating with Collections Dept. to streamline TAT and service levels. Assisted IT dept. to automate the salary hold functionality, this has reduced delinquencies and losses in the Personal finance product. -Assisted in implementation of Productivity reports to enhance staff productivity.

Credit Initiation - Reporting to Head Credit Initiation Responsible for the credit approval of existing Islamic Retail Banking Products i.e. Housing Finance, Auto Finance, Personal Finance & Islamic Covered Cards.Manage a team of 7 Senior & Junior Credit Analysts.Monitor standard of performance monthly & counsel under-performing staff.Perform financial analysis & determine risk exposure (Auto Fleet & Mortgages).Help identify potential business risks & provide market feedback to Retail Policy Unit.Maintaining overall underwriting quality by conducting process gap analysis & ensuring that all specified Credit parameters are followed.Continuous re-engineering of processes across all retail products to reduce cycle time and enhance the TAT to customers.Conduct mid & year end appraisal of direct reports.Monitor Load balance & prepare Capacity plans for the unit.Approval Limits - Aed.2 Million Singly & 4 Million jointly with Head Credit Initiation (Housing Finance)Aed.250 M singly & 1 Million jointly with Head Credit Initiation (Auto Finance)Aed.500 M singly & 1.25 Million jointly with Head Credit Initiation (Personal Finance)Aed.1 Million (Covered Cards since I have been delegated to approve VIP cards).Achievements - Assigned Credit Initiation Manager's delegations from May - June 2007 due to the Manager's resignation.

Reporting to Credit Initiation Manager. Ensure the turn around time committed to sales is met by proper delegation, monitoring and allocation of applications to the processing team.Manage a team of 4 Senior & Junior Credit AnalystsEnsure due diligence is carried out in applications processed by following the "maker-checker" concept.Measure daily productivity (using the KPI sheet) and prepare a monthly report on standard of performance (SOP) for each analyst in the team.Track Errors committed by each analyst and provide policy/process training to team member committing repeat errors.Manage work timings (shifts) since the product requires the processing unit to be working beyond normal working hours.Daily feedback to sales unit on application quality & TAT (turn-around-time) report.Reporting daily processing MIS to Policy unit.Monthly rejected applications review and analysis in conjunction with policy unit. This exercise assists in regulating policy guidelines in line with market requirements.Maintain and update the fleet database. The activity is performed weekly where credit lines & terms of the Credit Approval for each fleet customer is reviewed for compliance.Initiate monthly team meetings where issues, suggestions/concerns are addressed.Projects completed - Process manual for Auto Loans Processing.Inter-department Audit Review on the Credit Cards Initiation process (Review conducted for process / policy compliance from data entry stage to embossing stage) the review was conducted across 3 units i.e. Operations, Credit and Embossing unit.Achievements - Promoted to Unit Supervisor within One year of joining the Bank.Initiated and oversaw completion of the Fleet Database System, in absence of this system there was a risk of exceeding the lending limit set for the individual companies.

Reporting to Credit initiation Manager. Processing Auto Loan applications within the stipulated turn around time.Ensure adherence to policy and process set by the bank.Inspection of original documents before loan disbursement.Reporting daily processing MIS to Policy unit.Since the Bank was in its infancy stage, provided regular feedback to policy unit on dealership processes and competing Banks activities.

, Credit Initiation Dept. - Reporting to Credit Initiation Manager Ensure the turn around time committed to sales is met by proper delegation, monitoring and allocation of applications to the processing team.Manage a team of 4 Credit Analysts.Responsible for analysis of monthly performance reviews for the Auto & Personal loan teams.Monthly application quality & error analysis.Monthly review of departmental controls with in the unit.Monthly UTD (Time Deposits) exposure review and reporting.Monthly Review of Credit Cards applications for limits above 35 K.Projects completed Process manual for Auto Loans Processing.Initiated and implemented NAS (system developed in conjunction with IT department to locate duplicate application processing).Initiated and Implemented the Automated Credit Analysis Sheet (system developed in conjunction with IT department where policy parameters were hard coded into an online template, eradicating policy errors from occurring).Achievements - Promoted to unit supervisor within six months of joining the unit and assigned sing-off limit of AED.100 M within 8 months of joining the unit.

(reporting to R.V.P Sales) Personal Loans & Credit Cards.Direct Sales of Credit cards & Personal Loans.Identifying companies for the addition into the Citibank Target Market list of companies.Held presentation at companies explaining the product range and benefits.Providing management on market information and competitor promotions.Auto Loans.Direct Sales of Auto Loans.Responsible for maintaining a good rapport with the dealer sales persons, in the designated Automobile Dealerships, since they are key in referring new business for the bank.Identifying and screening new pre-owned car dealers for addition into the Citibank approved list of dealers.Ensuring proper loan documentation to facilitate speedy approvals, which in turn accelerates the delivery of the vehicle to the customers, resulting in higher customer satisfaction. Achievements - Best Sales Executive of the Bank for achieving 75 Auto loans in a month which was the record high ever - October 1998.

the group were exclusive agents in Oman for NISSAN Automobiles, BMW Automobiles, TATA Automobiles, Proton Automobiles, Kirloskar Pumps, SHARP Electronics, Jewelry, Hotels & Contracting.Direct sales of SHARP high speed Photocopier & Laser Facsimile Machines.Identifying & setting up a dealer network for the SHARP range of Personal Copiers, Fax Machines, Digital diaries, Calculators and Organizers.Proposing and designing Kardex Automated & Manual records management systems to Government organizations and Banks.Promoting APT/PEVAC brand of products to the construction industry, Banks, Government Ministries, Police and Armed Forces. The product range included raising arm barriers, Traffic barriers and Anti-terrorist blocks/barriers.Liaised with high ranking government / Police and Defense officials for the APT/PEVAC brand.Achievements - Promoted from Sales Assistant to Sales Representative and eventually to Sr. Sales Representative in a matter of 4 yrs.Selected to represent my company for a training cum Sales Seminar held in Cyprus by Kardex Systems Germany. Represented my company at the