Summary of Career

1. Over 14 years of diverse work experience. Direct banking experience includes evaluating business models and conducting credit appraisals across broad range of industries in various geographies. Credit due diligence of Corporate customers and supported their banking requirements throughout economic cycles.

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2. Developed high level of understanding of business models and their building blocks around efficient working capital management, developed supplier side linkages, marketing, receivables management, hedging strategies, assessing business environment early in the economic cycle.

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3. Proficient in interacting with the Board, audit committee, and senior leadership team members on business priorities, emerging risks, internal control environment and corporate governance.

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4. Proven people management skills with expertise in working closely with teams to enhance client experience.

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5. Demonstrated high level of commitment, integrity, business acumen, remedial strategies to meet overall organizational goals.

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6. Credit Approval authority of upto AED 20 million. Managing a sizeable portfolio across a wide range of Industries including distributors of branded goods; traders; travel companies; Retail chains; Facility management services; Engineering services; manufacturers across several products – insulation, firefighting, mill internals, plastic resins, Chemicals; among others.

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7. Performed assessment of credit profile of borrowers through analysis of Business model with a view to meet client’s banking requirements as well as grow our portfolio. Analyzed financial / non-financial factors to form a view on credit risk involved, validated risk ratings along with analysis of overall industry outlook.

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8. Identified requirement of fund based and non-fund based banking facility for the client. Developed high level of understanding of the bank’s various products – lending, Trade related and Treasury products and assisted in finding appropriate product and structure of the deal to suit client requirement.

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9. Portfolio management on an ongoing basis. Framed and implemented appropriate account strategy on every name in the portfolio.

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10. Involved in launch of new Credit Programs/Products including parameter selections, process flow, monitorables & triggers. Periodic review of the Programs/Products involving portfolio review, process review, sample checking.

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