I am MBA, Finance and Marketing with bachelor’s in commerce and has accomplished several Certifications from University of Toronto, Enterprise Risk Management and Certified in Corporate Credit from Central Bank, UAE.
I have 13 years of work experience in International Corporate, Business Banking and Retail Banking and Ecommerce B2B & B2C in Business Development, Business Relationship Management, Sales & Negotiation, Customer Relationship Management, Credit Underwriting, Credit Structuring, Audited Financial Statement, Analysis, Covenants Monitoring, Portfolio Management, Collateral, Covenants, Microsoft Office and Presentation, Comprehensive understanding of the bank's products and services such OD, Term Loan, revolving credit.
Successfully assess and manage credit risk associated with client relationships, ensuring compliance with Bank KYC and AML regulations with 2 KYC Awards with HSBC and Standard chartered Bank.
Work effectively with other departments within the bank, such as credit, operations, and compliance, to provide seamless service to clients and handled the Portfolio size of USD5MM – USD100MM.
I have worked on AS400, Client-connect and CARM, Moody’s Financial Model and Fitch Financial Model.
Collaborated with a team to achieve shared goals efficiently and maintaining a productive, positive work environment.
Overview
19
19
years of professional experience
Work History
Chief Executive Officer
BAYYT - E-Commerce B2B & B2C
01.2018 - Current
Successfully designed and managed BAYYT Home Maintenance Phone Application in AbuDhabi, UAE.
Leading the overall Business Growth Strategic Direction, Marketing, Finance and day to day Operations of the ecommerce business.
Leading digital transformation initiatives and ensure the company remains competitive.
Identifying growth opportunities, new markets, service expansion.
Directed cross-functional teams to develop innovative e-commerce solutions, driving customer satisfaction and retention.
Setting financial goals and oversee budgeting, forecasting, and performance management.
Developing Business and Marketing strategies and processes to achieve the target Sales Goals on Quarterly Basis.
Relationship Manager
RAKBANK
07.2016 - 05.2017
Company Overview: Business Banking
Successfully managed 150 borrowing and non-borrowing relationships through business development activities, credit underwriting and portfolio management by leveraging existing clients and maximizing earnings for the bank.
Successfully analysed 100 business accounts (annual revenue of USD1MM) through sound financial & non-financial analysis as per Bank Credit Policy.
Successfully contributed to bank's profitability by structuring 6 credit facilities within assigned timeline.
Managed the assigned Credit Portfolio Profitability by monitoring the covenants of the client's debt service.
Business Banking
Relationship Manager I
HSBC
11.2012 - 11.2013
Company Overview: Business Banking
Successfully managed 250 borrowing and non-borrowing relationships through business development activities, credit underwriting and portfolio management by leveraging existing clients and maximizing earnings for the bank.
Successfully recommended 3 new business relationships (annual revenue of CA$5MM - CA$10MM) and contributed to the profitability of the bank.
Efficiently monitored operating lines of credit as per credit approvals and rectified the discrepancies (overdrawn accounts) in timely manner by efficiently communicating with the customers on daily basis.
Business Banking
Corporate Banker
Arab African International Bank
08.2008 - 07.2011
Company Overview: Loan Syndicate, Large Corporates
Successfully managed a Large Corporate Bilateral and Syndicated Loan portfolio of 33 clients with having approved funded credit limits of USD900MM.
Successfully Underwrite Credit proposals, Renewals and recommend appropriate credit facilities in line with the banks credit policy to maximize earnings while containing risks to an acceptable level and identifying companies for downgrades/ upgrades to the Senior management.
Managed the assigned Credit Portfolio Profitability by monitoring the covenants of the clients debt service capacity.
Loan Syndicate, Large Corporates
Relationship Officer
Standard Chartered
06.2007 - 08.2008
Company Overview: Retail Banking
Evaluated personal Bank's statements to assess financial strengths, degree of risk involved and repayment capacity of credit. Ensured completion of loan documents prior to credit advancement.
Successfully contributed to bank's growth by achieving 110% annual sales targets within assigned bank deadline.
Retail Banking
Intern
HBL - Habib Bank Limited
09.2006 - 11.2006
Company Overview: Credit Risk Management
Assisted in maintenance of quality credit portfolio to minimize the loan losses as per bank's risk appetite by evaluating relevant credit information.
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