Rakesh Bangera Email & Phone Number

Dubai, Ae

Dubai, United Arab Emirates

• Assist in designing and developing comprehensive MIS for all asset products to facilitate prudent creditmanagement policies.• Provide timely Management information to different areas within the Credit function as well as to the other departments of retail banking to keep the management updated and alerted to all scenarios.• Participate in and recommend system developments and enhancements and ensure timely implementation of key system enhancements, which is vital to the organization to facilitate the process flow & save time.• Prepare product portfolio wise presentation for senior management, which will help them to explore all the important details about their portfolios and present it to higher management.• Develop product/Score wise vintage report to better understand the performance/economic life cycle/loss patterns for retail products, this will help the policy managers to keep revising their lending policies in order to relax or tighten specific segments.• Streamline & Automate the process of generating MIS's & reports by using SAS and Neteeza, which will save time & enhance the process.• Assist in preparing monthly reports for submission including RADAR, Segmentation pack and Scorecardpacks for senior management, which will help them to understand the portfolio performance.

Dubai, United Arab Emirates

• Assist unit head in formulation, implementation and review of credit risk management policies based onguidelines provided by unit's head and prepare unsecured product's MIS & presentation based on unit's head request & feedback• Suggest changes to financing parameters based on sound analysis on various portfolio data• Conduct policy trainings to all sourcing channels and prepare reports for Sales & Credit Initiation• Manage Evaluators and auditor list, maintain database of all approved evaluators & Auditors.• Prepare monthly / quarterly portfolio presentation and define the portfolio threshold levels and the submission analysis along with deviation management.• Recommend changes in status for listed auditors and evaluator enlistment policy based on company'sperformance & various trends• Ensure risk review and audit ratings are satisfactory.• Handle queries from all stakeholders regarding policy, procedures, approval and deviations• Conduct monthly quality assessment for cases underwritten in previous months, prepare report, discuss with initiation heads and submit final findings to Operation Risk Management Unit• Identify areas of improvement and suggest changes to automate risk and credit related processes/system.• Prepare & provide feedback to the user requirements & specifications to IT and complete UATs & projects within the deadlines

Dubai, United Arab Emirates

• Process payments, transactions and cases in system within the agreed SLA and in line with approved authority matrix• To review New Origination cases for ensuring completeness and accuracy as per checklists and process• Update, modify case status and payment details in system / MIS as per process• To process the payments within TAT as per the agreed without accruing any delay charges• Ensure that proper approvals for deviation are provided to avoid audit issues• Prepare / review to ensure completeness of documentation related to Transfers, NOC, Mortgage Registration and Buyout etc.• Assist in Continuous enhancement of process with introduction of control measures and ultimately implementation to provide better service • Verify the completeness and accuracy of daily MC reports (on Hand / in Transit / released / cancelled)• Ensure the GLs pertaining to Manager’s Cheque issuance are accurately zeroized• Review and resolve outstanding entries in GLs related to New Origination• Effectively communicate with Credit / Sales / Business Development / Service departments to ensure high levels of quality by observing agreed TAT / SLA• Initiate accurate and timely reporting in ORMS across all 4 quadrants and ensure that all eligible cases are logged and closed in ORMS as per agreed timelines• To prepare weekly / biweekly / monthly reports and the required MIS reports for management reporting.• Assist the unit in Identification of risk areas and introduction of proper controls• Assist the unit in initiatives to automate process so that manual intervention is reduced

Dubai, United Arab Emirates

Repayment, Settlement & Operations• Automated planning process to generate timely reports.• Analyzed and improved departmental operations resulting in increased productivity.• Resolved audit problems with the firm's representatives and wrote findings reports.• Handled dissatisfied customer complaints.• Resolved problems with customer account.• Processed & Handled Wire transfer, Liability letter, Final Settlement, Rollover letters, Central Bank Addition and Deletion of customer, Refunds, Profit Rate Amendment, Property Insurance Declaration, Post Dated Cheque Management & Standing Instruction Amendment.• Remained accessible to internal processing and underwriting staff to assist in resolving operational issues.

Abu Dhabi, United Arab Emirates

• Handled retail operations activities.• Reviewed controls related to policies & procedures.• Audit coordination & follow up.• Compliance & MIS reports related branch controls & exception reporting.• KYC & AML compliance review.• Solving queries of walk in customer's in branch.• Giving product information to the customer's so that right information goes to the customer.

Mumbai, Maharashtra, India

Department - Cash Management, Corporate Account Services and Corporate Credit Operations• Processed & Handled Cheque Management, Account opening, Updating Signatures, Sweep maintenance, Fixed Deposit booking, Tracking legal documents, Credit approval, Generating Obligor Risk Rating.• Acquire clarification from branches on discrepancies.• Ask for deferral / waivers for deficit documents of the bank as per the deferral wavier policy grid.• Open the Customer account on system and allot a unique account number across all databases.• Make all possible permutation and Combinations among the authorized signatories with respect to their operating limits as per Customer instructions.• Maintain the signatures and the operating limits of all the authorized signatories on system across all databases.• Reversal entries from TDS Suspense accounts for Tax deducted during the month to branch sundry account for pay out.• Maintaining of sweeps for corporate customers as per customer standing instructions.• Maintain Credit Lines on the system• Maintain the documents on the system post clarification.• Generate ORR for the Customers & informs the RM.

Bachelor Of Science (B, Sc

Activities and Societies: Only studies.subject Chemistry & Applied Components - Dyes & Drug 1999 Aptech Computer Education 1 year course.

Bsc, Chemistry

Studied and participated in sports