Vikas Arora Email and Phone Number

Functional Skills:• Setting and monitoring the implementation of Credit policy for mortgages • Incorporating changes in policy based on detailed portfolio analytics and market changes• Training credit and sales staff on policy • Analysis/modelling of Tamweel’s portfolio as o Month on month mark to market analysiso Portfolio movemento Highlighting risky portfolio and suggesting action plan o Analysis of consolidation /cancelation possibility o Remedial solution analysis• Mortgage Credit underwriting of salaried/self-employed cases in adherence to credit policy • Underwritten over AED 1 Billion worth of portfolio• Conducting delinquency analysis and preparing predictive models for delinquency.• Analysing and risk grading the developers and customers based on various factors like financial, credit, market analysis• Supporting other Business units – Product, Business development, finance and sales

Functional Skills:Mortgage Advisory: Providing advisory services to large / medium corporate for investment in real estate and providing financing solutions to promote long term business growth. Business Development: Initiating business meetings and calls for generating potential business. Relationship Managing: Handling business dialogue, resolving client queries. Analyzing financial statements, cash flows and monitoring credit exposures. Overseeing and executing aspects of internal sales and credit processes that include marketing customers and underwriting proposals