Ramya Manoharan Email & Phone Number

Dubai, Ae

United Arab Emirates

Responsible for development and implementation of policies and procedures to mitigate Credit Risk within Wholesale Banking and Private Accounts. Worked closely with Product teams to assess risks associated with new initiatives and recommending mitigation actions related to risk. Provided policy guidance and support to various Credit and Business Risk teams. Kept track over changes in Business Strategy, Policies, Processes, Key Regulatory requirements, review its impact to portfolio performance, propose and implement action to manage risk if necessary. Responsible for setting country and counterparty thresholds, tracking risk appetite limits in various sectors of portfolio. Ensure all UAE regulations are incorporated and requirements are met. Act as point of contact for both internal and external audit, reply to findings and close identified gaps within agreed deadlines to avoid regulatory fines or UAE Central Bank restrictions on franchise.

United Arab Emirates

Managed Risk Analytics for Wholesale Banking and Private Accounts. Conceptualized, designed reports and dashboards post assessing stake holders' requirement. Applied feedback from stake holders to improve and support long-term business needs. Regularly monitored key indicators of credit risk and portfolio management and alert any adverse in performance. Reconciled Exposure, Revenue, Provision, Recovery and Collaterals against general ledgers. • Ensured reporting to regulatory and regional authorities are done within stipulated time frame. Prepared presentations to management committees on portfolio strength, performance, and challenges. Was core team member responsible to build robust data and analytical stream as part of ADCB's digitization journey. Upgraded teams’ infrastructure with data science and big data tools like SAS, Hadoop, R etc. Cross-trained existing employees to maximize team agility and performance. Expanded cross-functional organizational capacity by collaborating across departments on various projects and common goals. Established team priorities, maintained schedules, and monitored performance.

United Arab Emirates

Managed Retail Risk Analytics for diverse product range – Retail Suite and SME Suite of Products. Worked closely with cross functional business partners to identify their needs and demands. Instrumental in developing various risk reports for portfolio management, vintage analysis, collection analytics. Evaluated report data to proactively adjust and enhance operations. Was responsible for smooth transition of data and resources of RBS analytical team to ADCB. Supported various core banking/ IT related projects which needed business and data expertise. Involved in development and implementation of application score and behavior score for Cards and Personal Loans.

Post Graduate Diploma In Data Science, Data Science

Igniit, Computer

B.Sc, Computer Science