Sajeev Kumar Email & Phone Number

Dubai, AE

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.

Dubai, UAE

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.

Dubai, United Arab Emirates

• 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.
• 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

Dubai, United Arab Emirates

• 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.
• 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

Kolkata, India

• 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.
• 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

Bangalore, India

• 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.

Post Graduate Diploma In Business Administration, Operations Management

Bachelor Of Commerce (Honors), Accountancy, Commerce

Bachelor Of Science In Information Technology, Computer Basics, Ms Office, Financial Accounting, Basics In Programming

Diploma In Information Technology