Key Regional Responsibilities - Lead, management, support and oversight of the MENAT Underwriting and Credit Bureau function (onshore and offshore teams)-Managing Underwriting operations of Retail products(Personal Loans,Credit Cards & Overdraft)- Lead and manage the verification process (call or site verification ) -Monitoring portfolio quality,adherence to the Credit Policy, Operational Risk framework and Quality assurance management- Ensure service/performance level agreements are adhered to and met-Perform Branch & Direct Sales/Customer Service Unit visits to understand branch issues, train staff and regular interactions with regional countries to clarify Credit Policies, input quality issues, underwriting and risk system related issues- Lead and manage the credit bureau function and operations for the region- Manage data reporting to bureau- Key point of contact and Relationship manager for the bank with Credit Bureau(UAE) and oversight of the function in the region- Manage the dispute resolution/ data correction process- Lead and manage Data Quality- Manage technical releases for bureau and possible implementation and testing for mandate releases- Lead technology/change projects for Underwriting and Credit Bureau- Governance & Control

Key Regional Responsibilities -Management, support and oversight of the MENA onshore and offshore Regional Credit Risk services teams-Exceptional approval management/underwriting of Secured & Unsecured products(Personal & Vehicle Loans,Mortgages,Credit Cards & Overdraft proposals)-Implementation and management of Operational Risk Framework for retail credit services-Implementation of the Credit Policy for the above-Approve(using limits of Authority) and recommend(for proposals above the personal limit) proposals for secured and unsecured lending with sound justification to the Head of Retail Risk as applicable,ensuring a balance between effective risk management and business growth objectives-Escalations and re-appeal proposal handling-Ensuring retail credit process and procedures are streamlined,documented,updated and circulated in a timely manner-Process re-engineering,right shoring & migrating processes in the region to ensure proper control and cost benefits to the bank-Recommend changes in the Credit Policy based on observations and trends of exceptional overrides, declines etc. -Managing lending authorities across the region at various levels-Monitoring portfolio quality,adherence to the Credit Policy and Quality assurance management-Maintaining Group Compliance standards by satisfactory Internal,External & regulatory audits -Managing Operational risks through identification,assessment,mitigation,control,loss reporting -Training and supporting branches,sales and operations including off shored processes-Perform Branch & Direct Sales/Customer Service Unit visits to understand branch issues and regular interactions with regional countries to clarify Credit Policies,underwriting and risk system related issues-Undertaking visits to regional countries and offshore teams-Coordinating with Global Risk teams in U.K, Europe, Asia-pacific, Latin America, U.S & Canada for Group Credit Risk service Projects and representing Middle East Risk in such forums

Regional Credit Manager, Retail Banking and Wealth Management for Middle East supporting the UAE and 6 other countries in the region.Key Responsibilities – Regional• Preparation and implementation of the Credit Policy for secured and unsecured asset lending • Regional underwriting of Personal and Vehicle Loans, Mortgages, Credit Cards and Overdraft proposals • Approve (using Personal limits of Authority) and recommend (for proposals above the personal limit) proposals for secured and unsecured lending with sound justification to the Head of Retail Risk as applicable, such that balances effective risk management with business growth/economic profit objectives• Recommend changes in the Credit Policy based on observations of exceptional overrides, declines, monthly MI etc. • Managing lending authorities across the region at various levels• Monitoring portfolio quality, adherence to the Credit Policy and managing exceptional approvals• Maintaining Group Compliance standards by satisfactory Internal, External and regulatory audits • Managing Operational risks through identification, assessment, mitigation , control, loss reporting • Training and supporting branches, sales and operations including off shored processes• Perform half yearly Branch and Direct Sales/Customer Service Unit visits to understand branch issues and quarterly calls with regional countries to clarify doubts related to Credit Policies and Risk systems.• Ensuring BIM (Business Instruction Manual) is prepared and updated and circulated to all stakeholders.• Process re-engineering, right shoring and migrating processes in the region to ensure proper control and cost benefits to the bank• Managing the offshore regional risk team in India• Undertaking annual visits to regional countries and offshore teams• Coordinating with Global Risk teams in U.K, Europe, Asia-pacific, Latin America, U.S & Canada for Group Risk Projects and representing Middle East Risk in such forums

Regional Credit Systems Manager, Retail Banking and Wealth Management for Middle East, supporting and implementation of credit risk systems for UAE and 6 other countries in the region.Key Responsibilities - Regional•Lead & Co-ordinate technology projects related to Credit Risk Systems from a business perspective and other initiatives to improve the efficiency or effectiveness of these systems•Implementation, management and support ongoing performance of scientifically based risk assessment systems (i.e.Application assessment & scoring, fraud detection & collection systems) for retail lending across Middle East. •Promote and maintain effective working relationships with IT and internal stakeholders.•Representing Middle East Risk on Credit Risk System matters within the region•Manage multiple inter related business projects whereby credit risk assessment will be delivered through automated, strategically built decision engines•Lead an effective business testing team during all Credit Systems implementations through co-ordination, communication and ensuring that testing targets are met and adhered to•Identify opportunities for new ways that HSBC Middle East might efficiently use automated decision logic.•Reviewing of system requirement specifications and functional specifications to ensure it is in line with business requirements•Developing project plan and test scripts as per the business needs for effortless execution of User Acceptance Testing, also ensuring the same is in line to the policy requirement•Follow standardized UAT protocol to ensure appropriate business area, staff are engaged to thoroughly to test changes. Develop and provide test cases to facilitate testing process•Maintain HSBC internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators•Ensures BIM (Business Instruction Manual) is followed in all System Implementations

Key Responsibilities• Performed an Auditor’s role in the HSBC Middle East Credit’s process which requires accuracy and an eye for detail, checking & approving Loans & Overdrafts processed work items under general limits of authority, checking supervisory queue’s, action urgent requests from Business area on priority, Queue management, preparing MI’s and reports and sending reports to business area• Understanding the products and services supplied by the business area and their relevance to customers and other parts of the organization.• Assist Manager with administrative work and handle work allocation during his absence.• Working on project’s chosen by Business Area and making procedural changes and training team members accordingly• Point of contact for process related queries and issues and to deliver training to team members accordingly and cascade procedural updates and Perform Error Analysis

Key Responsibilities• Troubleshooting technical issues for US customers and effectively resolve customer queries• Auditing calls and giving feedback to agents.• Conduct training sessions with agents on new products and launches.• Coordinate call-back programs to customers.• Mediate between the Client & the Team lead on the floor about the new updates & conducting Events.• Maintaining performance data of the agents and giving them feed backs.• Constant check on the Quality of service.