概要

I am a results-oriented and accomplished manager with over 13 years’ experience in risk management, marketing & sales management, customer services & relationship and as consultant / advisor in diverse range of industries including financial services, manufacturing, and consultancy. Adept at Policy & Procedures, Portfolio Analytics, Operational Controls, Risk Controls, Governance, Credit Assessment, Fraud Management, Social Media Complains & Central Bank complains handling, Sales Audit, Customer Services, Brand Development and Market Research.Career Contributions:Achieved and surpassed cost efficiency by 40% and reduced risk cost by introducing filtered criteria checks/processes.
Controlled portfolio risk exposure by 5% through mitigating several non-performing industries and segments.
Reduced ETA by 10 minutes in application processing by embedding auto intelligence in the underwriting process
Increased revenue 3% by introducing various test programs, strategic taction action plans and devising best practices.
Challenged with the overall responsibility to design and spearhead the entire project of Policy integration into CRM.
Actively engaged 1500 companies in bank’s target market panel which comprised of 30% increase in customer base
Onboarded Eikon, a Thomson Reuters Research Product. As a result, business benefited by getting bulk induction of more than 500 companies in Target Market List (TML).
Actively persuade initiatives leading to develop and implement "Opsal Systems" - Automation of Applications Flow
My key skills includes Data Analysis, Producing and Writing Reports, CMA (Certified Management Accountant), Portfolio Analytics, Policy & Procedures Development, Operational Controls, Risk Assessment & Controls, Governance and Credit AssessmentTechnical Expertise: Power BI • CRM • SAP • Google Analytics • Tableau • SQL • Microsoft Office SuiteMy professional background and great industrial exposure coupled with an excellent track record

项目

Embedment of 'Credit Bureau Intelligence' into the Credit Analyst Sheet
Development of "Opsal Systems" - Automation of Applications Flow
Development and Implementation of CRM

工作经历

公司标识
Senior Manager Business and Risk Management
A&Z Management Consultants
Mar 2020 - Dec 2020 | Dubai, United Arab Emirates


Provided detailed advisory & consultancy in the area of Internal Controls, Governance, Policy & Procedures, Portfolio Analysis, Process Reengineering, Market Research, Business Analysis, Business Continuity and Risk Assessment.

公司标识
Assistant Manager Credit Policy & Portfolio Analytics
Noor Bank – UAE
Oct 2015 - Mar 2020 , United Arab Emirates

Steered efforts towards formulated and implemented credit policy as well monitoring and forecasting portfolios.     
Rendered keen eye for details to manage Central Bank Regulatory reporting, risk analytics, and MIS reporting functions.
Reviewed Operational Risk, target market growth/trending, also performed Monthly provisioning and loss budgeting.

公司标识
Team Leader – Credit Underwriting
Noor Bank – UAE
Dec 2011 - Sep 2015 | Dubai, United Arab Emirates


Delivered directions to a team of 20 resources, valuated credit, documented due diligence and evaluated fraud risks.
Demonstrated the versatility and expertise needed to methodically provide training and instructional role.

公司标识
Sales Governance Officer
Noor Bank – UAE
Jul 2007 - Nov 2011 | Dubai, United Arab Emirates


Played a vital role in directing fast-paced operations, audited sales functions and ensured optimum customer relationships.
Rendered management expertise and directions to control quality, manage complaints, and social media management.

学历

International Business Management Institute, Germany
大专, Program Diploma In Global Governance‎
Global Governance
Completed
2020
Bahria University
硕士, 工商管理硕士学位, MBA‎
marketing and brand management
CGPA 3.3/4
2007
Bahria University
学士, 工商管理学士学位, BBA‎
Accounting & Finance, Applied Mathematics, Applied Statistics, Business Administration, Business Communication, Business Economics, Information & Communication Technology, Marketing (Brand Management, Consumer Behavior), Operations Management, Programming
CGPA 3.1/4
2006
Pakistan Education Academy Dubai
中级/A级, , ‎
Commerce
所占比重 %
2003
Dubai English Language School
大学入学/0级, , ‎
Biology, Business Economics, Chemistry, English Language and Literature, Mathematics, Physics Education
2001

技能

熟练 Aftersales
熟练 Agile Leadership
熟练 Analytic Thinking
熟练 Analytical Skills
熟练 Backend Operations
熟练 Banking
熟练 Credit Analysis
熟练 Credit and Collection/Recovery
熟练 Credit Underwriting
中级 CRM Command
熟练 Day to day Entries
中级 Exposure to SAP
熟练 Financial Risk Management
熟练 Fraud Management
中级 Google Analytics
中级 Governance
中级 Internal Controls
熟练 Islamic Financial Statements
熟练 Microsoft Suite
中级 Power BI
熟练 Record Keeping
熟练 Retail Credit Policy
熟练 Spreadsheet Navigation
中级 Tableau
熟练 Talent and

语言

初学者 阿拉伯语
熟练 乌尔都语
熟练 英语