Suhail Nasser Email & Phone Number

Riyadh, Saudi Arabia

 Currently located in Riyadh, KSA as consultant for Al-Rajhi Bank for their mass core banking, digitization project. Working as a consultant for various projects contracted by the company. Gather business requirements for retail products, initiating BRD’s. Collaborate with vendors to deliver and review the FSD’s. Work closely with technical and IT vendors for system design and screen mockups and architecture. Assisting and performing UAT and go live PIV as well.  Providing and supporting banks and financial institutions with their business projects and transformation. Works within a team of consultants, business analysts and development. Focused on Retail Banking and Digital Products.

Amman Governorate, Jordan

 Reported to the Head of Retail Banking and supervised a team of 25. Supervised the portfolio for Jordan and Palestine. Mentored a team of Collectors, Supervisors, and Field Collectors to curtail delinquency and enhance portfolio quality for various products, i.e., Personal Loans, Auto Loans, Mortgages, and Credit Cards. Gathered the provisional figures for the bank’s Balance Sheet and the requisite formal Central Bank reports. Ensured daily monitoring of MIS Packs to track Staff Performance and Portfolio Deterioration or Enhancement. Mediated with Remedial and Legal Departments to follow up on pending cases and apposite legal actions required.

Amman Governorate, Jordan

 Reported to the Chief Executive Officer (CEO) and Board Audit/Risk Committee. Establish procedures for monitoring, maintaining, and updating risk policies and guidelines in line with business growth. Establish a proactive and consistent strong risk oversight and management approach so that key risks are communicated regularly and consistently at management meetings. Implement a framework that allows for proper understanding and control of all risks – Operational Risk, Market/Investment risk, Credit Risk and Liquidity Risk. Identifying potential or actual exposures because of firm’s strategy and operating model (e.g., proprietary trading, assets versus liabilities, reputational risk etc.) and managing / mitigating such exposures. Design the company’s annual and long-term risk strategy and its regular reporting to the CEO, Executive Management and Board Audit, Risk & Compliance Committee. Implement credit-scoring system based on behavioral and analytical models.

Amman Governorate, Jordan

 Reported to the Chief Operation Officer (COO). Developing and implementing standard policies and procedures. Perform regular audits to all units to identify any gaps and set the needed action plan. Continuous system improvements and process efficiency.  Handling/Investigating customer complaints and ensuring they are solved in a timely manner. Ensure all the external/internal customers are following the agreed SLAs. Implementing End to End process with all the needed process flow charts. Ensure that EMPJ is complying with regulatory cards schemes standards. Participated in all projects i.e., Mobile Payment, eFawateerCom, MasterCard, Loyalty Program, Merchant Portal, Mobile Application, Process Automation, CRM, Inventory System, etc.

Doha, Qatar

 Reported to the General Manager and supervised a team of 15. Mentored a team of Credit Analysts, Senior Analysts, and Credit Manager to analyze and process Credit Application for financing “NBK” Products. Supervised a team of Collectors, Supervisors, and Field Collectors to reduce negligence and to ensure portfolio quality enhancement. Ensured close monitoring over Systems Utilized and acted as a Key Player in developing and enhancing the systems consistently. Arranged financing for Products including Vehicles Finance (Consumer, SME, and Corporate), Heavy Equipment, Rentals, Leasing, Buyback Guaranteed Options, and Balloon Payment Options.

Amman Governorate, Jordan

 Reported to the Head of Retail Banking and supervised a team of 35. Acted for the Global Office, embracing all ME countries requiring visits, including Bahrain, Jordan, Egypt, and Qatar. Mentored a team of Collectors, Supervisors, and Field Collectors to curtail delinquency and enhance portfolio quality for various products, i.e., Personal Loans, Auto Loans, Mortgages, and Credit Cards. Gathered the provisional figures for the bank’s Balance Sheet and the requisite formal Central Bank reports. Ensured daily monitoring of MIS Packs to track Staff Performance and Portfolio Deterioration or Enhancement. Mediated with Remedial and Legal Departments to follow up on pending cases and apposite legal actions required.

Dubai, United Arab Emirates

 Controlled the generation of Portfolio Performance Packages including provision, delinquency, growth, etc. Developed the Executive Summary and ADHOC Reports to facilitate functioning of the top management. Identified risks including Credit Risk and Operational Issues by means of Vintage Analysis and ensured reporting on alarming issues pertaining to Portfolio Performance to the management. Monitored the Integrity and Quality of Data and Data Analysis reports/functions. Scrutinized and reviewed Product Programs Packages, for prompt renewal of the program, portfolio cap, and various other credit amendment matters. Proposed modifications to the collection module, process, system, or policies for the Regional Collection Management to improve the delinquency figures.

Dubai, United Arab Emirates

 Restored and formalized overall Arab Bank credit policies for Jordan, UAE, Qatar, Bahrain, Yemen, Palestine, Egypt, and Lebanon. Conducted periodic review of entire range of products in terms of pricing and peak outstanding. Implemented all Central Bank regulations in each country as per Basel II Requirements and incorporated modifications in the policies. Established a mechanism for tracking deviation and following up collections. Introduced and launched new products in countries, including Platinum Credit Card in UAE, Jordan, and Egypt, Education Loan in Jordan and Egypt, Smart Loan in UAE and Qatar, and Start-up Loan in Jordan. Delivered segmented products and services to assist the Mass Retail Segments, i.e., children, youth, starters, and elderly, apart from special products aiding Affluent and Private Banking segments. Appraised and followed up on all Audit Reports and initiated Internal Audit periodically as regards Credit and Collection Process.

Dubai, United Arab Emirates

 Mentored a team of Evaluators to verify and process Credit Applications as regards Credit Cards and Auto Loans. Acted at the First Escalation Level, by means of reviewing and furnishing Credit Decisions. Ensured Policy Awareness for staff, by regulating approvals within the product parameters in compliance with the SLA. Identified and proposed fresh modifications to the Credit Policy Parameters resulting in Process Improvement, thereby curtailing the Bank Risk. Rewarded with the Best Team Award amongst all Credit Teams (Auto Loan).

Dubai, United Arab Emirates

 Appraised and processed Credit Applications as regards Credit Cards, Auto Loans, and Personal Loans. Acted as the Direct Sales Contact Point pertaining to overall Credit Approval issues or concerns. Functioned in close liaison with Marketing/Operations/IT to ensure streamlined introduction of any fresh Product or Policy Amendments. Monitored the MIS preparation, based on the weekly and monthly Unit Performance Reports. Honored with the Best Achievement Award amongst all units (Credit Initiation & Compliance).

Dubai, United Arab Emirates

 Delivered Customer Service over the phone, to attain maximum Customer Loyalty and Resolution of Issues to ensure the utmost satisfaction. Converted sales opportunities to enable achievement of Financial Targets. Gathered and reported on Customer Feedback on consistent improvement of products, services, and processes. Awarded numerous times by the higher management owing to the best sales, customer service, and loyalty.

Bachelor, Computer Information System

Diploma, Science Stream