Summary

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

Projects

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

Experience

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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.

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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.

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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.

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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.

Education

International Business Management Institute, Germany
Diploma, Program Diploma In Global Governance‎
Global Governance
Completed
2020
Bahria University
Masters, Masters in Business Administration, MBA‎
marketing and brand management
CGPA 3.3/4
2007
Bahria University
Bachelors, Bachelors in Business Administration, 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
Intermediate/A-Level, , ‎
Commerce
Percentage %
2003
Dubai English Language School
Matriculation/O-Level, , ‎
Biology, Business Economics, Chemistry, English Language and Literature, Mathematics, Physics Education
2001

Skills

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

Languages

Beginner Arabic
Expert Urdu
Expert English