• Agency Manager/Team Leader

    at Abu Dhbai Commercial Bank

    May 2009 - at Present


    Coordinating and supervising overall collection activities inclusive of tracing client’s addresses, visiting the clients and negotiating on payment terms and offering a settlement to minimize the losses Implementing policies and procedures dealing with debt collections in order to minimize liability and loss to the organization. Managing and visiting HNI client’s portfolio initiate collection processes to recoup payments on loans, in order to get maximum collections. Identifying delinquent unsecured accounts and ensuring appropriate actions are implemented to maximize debt collections in coordination with the legal team Liaising with various departments for notifying service disconnection/ merchandise repossession and preparing turn over account records for senior management to keep them informed about the delinquent debtors. Maintaining and creating MIS and Presentation to the higher management and other Ad-hoc duties assigned to the management on a regular basis

  • Field Collection officer

    at Abu Dhabi Commercial Bank

    May 2009 - May 2013


     Monitoring accounts and Managing the daily activity of collection by visiting customer Office and negotiating on a collection of accounts to minimize the risk of the assigned portfolio  Negotiation with the customer on settlement and raising the end to end process of settlement  Achieving the set targets by the management and consistently over-delivering the expected numbers  Providing market feedback on companies and portfolio to the management on a regular basis

  • Corporate Credit Analyst

    at Amlak Finance PJSC

    October 2008 - March 2009


    Evaluated permissible credit for new contract applications and submitted the same for approval, ensured complete documentation, prepared agreements and credit analysis report. Performed risk analysis for various portfolios/clients based on client profile, past management decisions to mitigate risks and enhance current portfolio quality. Networked extensively with clients to assess needs/ requirements and to offer the most appropriate portfolio mix of diverse funds. Analyzed credit policy feasibility in view of revenue generated and profits. Initiated recovery processes through agencies and banks. Incremented, decremented or terminated credit limits in view of credit history. Reported portfolio status to Head of Credit, submitted weekly MIS reports of all reviews and forecasting reports to the upper management for advances, limits, risk grades and dormancies.

  • Policy Credit Analyst

    at Dubai First PJSC

    January 2007 - October 2008


    Prepared weekly and monthly reports of all credit accounts and provided reviews to the upper management to assess variances and take necessary action for all emergency accounts. Performed post examination of all related documentation, maintained data base on TML platform, prepared agreements and reported cases posing financial risk to the management. Monitored performance of granted credit facilities, reviewed pending files of credit to determine risk of errors based on daily and other periodic exception reports and controlled usage of approved facilities. Maintained MIS on Pending Files (PD Error) and Approved files (Post Approval MIS) in order to keep them abreast of all credit control activities of the department. Reviewed files of credit to determine areas of improvement in analysis, submitted the reports to the credit management for further action in policy and process with periodic meetings with CIC and Pre credit mangers.

  • Senior Sales Coordinator

    at Citi Bank

    September 2005 - January 2007


    Efficiently handled overall operations of financial products of Arcadia agency (Entire Northern Emirates) and small part of Delta agency (Dubai) while assuring strict adherence to organizational policies/ procedures. Created and developed new business clients and sustained existing customer base, converted leads into business for the company and ensured policy approval. Liaised with a host of corporate and retail clients, to ensure optimal levels of service and long term business relations. Analyzed credit policies in view of cancelled and reject cases with the credit department and policy department. Recommended incremented, decremented or terminated credit limits in view of credit history. Evaluated permissible credit limit for clients and ensured compliance with organizational policies/ procedures. Maintained MIS records for sales support and deviations sent to bank of both historical/ current information relating to financial status of customers.


  • Master of Business Management

    at  Himalayan University

    2016 - 2017 (1 year) Kāngra - Himāchal Pradesh

  • Bachelor of Business Management

    at  Mangalore University

    2001 - 2004 (3 years) Bangalore Rural - Karnātaka

Knowledge and keywords


  • English Native