Dubai, United Arab Emirates
With over two decades of experience across Islamic and conventional banking, spanning retail and commercial lending, I bring deep expertise in credit administration, operational management, and digital transformation. I lead strategic initiatives focused on process optimization and digital transformation. My role involves driving agile based project execution, implementing Loan Origination Systems (LOS), and enhancing credit and operational workflows through automation for Customer journey redesign. I also ensure strong alignment with regulatory frameworks, including the implementation of Consumer Protection Regulations (CPR). I specialize in redesigning traditional credit control and operational processes by integrating advanced technologies such as Robotic Process Automation (RPA), Optical Character Recognition (OCR), QR based solutions, and artificial intelligence. These initiatives have contributed to measurable improvements in turnaround time (TAT), process efficiency, and control mechanisms. I am committed to fostering innovation, strengthening governance, and delivering operational excellence, while supporting the organization’s objective of providing efficient, compliant, and customer-centric financial services.
Senior Manager – Credit Control / Operation with strong expertise in banking digital transformation, credit process automation, vendor evaluation. Lead end-to-end process transformation initiatives across Credit Administration and Credit Risk functions to improve efficiency, control, and turnaround time. Driving process automation and STP (Straight Through Processing) by identifying manual bottlenecks and implementing system driven solutions across Credit & Operations. Heading the Loan Origination System (LOS) transformation program, including: Evaluation and comparison of three LOS vendors ROI-driven vendor selection aligned with business, risk, and regulatory requirements Coverage of end-to-end loan lifecycle including workflow, credit approval, documentation, and reporting, Improved customer journey and internal processing efficiency, Self Decisioning with AI. Leading Change Request (CR) management across Credit Risk Department systems: Gathering business requirements, Submitting and managing CRs, Delivering automation enhancements that improve control, reduce manual dependency, and standardize processes. Successfully delivered the Digital Contract Acceptance project in record time, enabling: Faster customer acceptance, Reduced physical documentation dependency, Improved operational efficiency and audit trail. Core member and lead contributor for the CPR (Central Bank of UAE – Customer Protection Regulations) compliance project, ensuring: Full regulatory compliance across credit processes, Alignment of systems, workflows, disclosures, and reporting with UAE CPR requirements. Driving initiatives to fully automate credit and regulatory reporting, eliminating manual user intervention and ensuring: Accurate and timely reporting, Enhanced Central Bank (CBUAE) reporting structure, Improved governance and data integrity via core banking systems.
Responsibility for all Credit Control & Operational activities of the home finance business, with a staff count of 14 directly reporting to responsible for end-to-end processes for new business and management of existing portfolio. . I was an integral part of the team that successfully managed the portfolio buyout of home finance at EDB • Handling end to end Credit Control, Disbursement and Property Transfer Team for Abu Dhabi, Dubai and Norther Emirates. • Ownership of the operational risk portfolio of the units managed including Self-assessment, Control Function Checklist, Escalations, proofs & verifications of all Sundry and Disbursal GL’s and handling end to end process. • Continuous efforts to enhance the effectiveness of Credit Policies implementation, maintaining standards as prescribed by the Central Bank regulations, maintaining Service Level Agreement with business and cross functional units. Successfully implemented full automation of the processes in Q2 2021. • Leading the project Process digitalization of Contract Automation and documents sharing with the customer as per the CPR requirement. • Onsite & Offsite project management experience during system launch and UAT for all developments and enhancements delivered by technology for Credit Control and Operations. • Effective administration of the Credit facilities in accordance with the mandate as prescribed in the Credit Risk framework of the bank. • Ensuring management updates, reporting, capacity management is adequately handled for the unit. • Sound Onsite & Offsite project management experience during system launch and UAT in all new developments / enhancements delivered by technology team. The main task was to implement the bank policy and checking criteria at Operation & Credit Admin department end.
• Oversaw all operational activities for the consumer finance business, managing a team of 10. • Led project management initiatives during system launches and user acceptance testing for new developments. • Collaborated closely with cross-functional teams to enhance product offerings and implement operational policies. • Initiated process improvements and quality reviews to enhance productivity and efficiency.
Assisted Head of Asset Operations for development and designing of systems, processes and controls as per the Product Manual and Organizational policies. • Played a key role in product launch of Home Finance (Musharka/Ijara). • Performed all UAT on system for checking of behaviour of system. • Assisted Product Manager to support system for all the operational functions to comply with it. • Implementation of Quality Initiatives, rationalization and development of methodology for the defects tolerance.
• Reviewing files which were received from Credit Initiation Unit, handling concurrent audit of the Cash line and Mortgage retail loans post booking and sharing the findings every month as a part of RCSA • Overseeing the end to end process of mortgage and Cash line Booking disbursal and closure of loans • Running the Daily error report to rectify the findings of booked and disbursed loans • Control backup for booking & disbursement for auto and personal loans, tracking the loans which went under deviation & maintaining the Repayment Schedule of the Customer with respect to payments. • Checking the valuation report on property % completion details and disbursing the funds based on the completion of property. • Administering the re-pricing of all ready properties on annual basis and sending out prior and post re-pricing letters to customers. • Handling accounting entries validation- Suspense Account, booking fee and insurance fee, and linking the same with loans (Home Credit loans). • Checking the favouring details of customer for every subsequent disbursal, validating the repayment capacity for every subsequent disbursal & verifying the delinquent string of the customer if he falls delinquent. • Regular updating of business continuity plan (BCP) to be provided on an annual basis or when significant change to process/contacts takes place.