خلاصہ

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

پراجیکٹس

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

تجربہ

کمپنی کا لوگو
Senior Manager Business and Risk Management
A&Z Management Consultants
مارچ ۲۰۲۰ - دسمبر ۲۰۲۰ | 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.

کمپنی کا لوگو
Assistant Manager Credit Policy & Portfolio Analytics
Noor Bank – UAE
اکتوبر ۲۰۱۵ - مارچ ۲۰۲۰ , 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.

کمپنی کا لوگو
Team Leader – Credit Underwriting
Noor Bank – UAE
دسمبر ۲۰۱۱ - ستمبر ۲۰۱۵ | 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.

کمپنی کا لوگو
Sales Governance Officer
Noor Bank – UAE
جولائی ۲۰۰۷ - نومبر ۲۰۱۱ | 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.

تعلیم

International Business Management Institute, Germany
ڈپلوما, Program Diploma In Global Governance‎
Global Governance
مکمل
2020
Bahria University
ماسٹرز, ماسٹرز ان بزنس ایڈمنسٹریشن, MBA‎
marketing and brand management
CGPA 3.3/4
2007
Bahria University
بیچلرز, بیچلرز ان بزنس ایڈمنسٹریشن, 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
انٹرمیڈیٹ / اے لیول, , ‎
Commerce
فی صد %
2003
Dubai English Language School
میٹرک / او لیول, , ‎
Biology, Business Economics, Chemistry, English Language and Literature, Mathematics, Physics Education
2001

پیشہ ورانہ مہارتیں

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

زبانیں

ابتدائی عربی
ماہر اردو
ماہر انگریزی