·         Operated as Senior Credit Analyst at First Abu Dhabi Bank (FAB) previously known as First Gulf Bank (FGB).
·         Improved understanding of financial statements, which helped in assessing risk.
·         Conducted presentations to upper management and executive teams for loan recommendations.
·         Created in-depth credit presentations that were user-friendly and easy to understand.
·         Gathered loan documentation for underwriting.
·         Offered insight to upper management regarding credit decisions.
·         Complied with internal controls and government regulations.
·         Utilized strong communication and interpersonal skills to obtain necessary financial information from customers.
·         Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
·         Contacted customers and requested financial documentation.
·         Evaluated customer credit data to determine level of risk involved in money lending.
·         Performed credit reviews on corporations to assess financial conditions.
·         Prioritized tasks to meet or exceed timelines and supervised multiple responsibilities at same time.
·         Placed customer accounts on hold due to past due payments.
·         Made decisions and recommendations about extending lines of credit.

·    Conducted four contact point verifications (CPVs) i.e. customer, reference, office & home country.
·    Handled after sale service queries i.e. Block removal, Increase in card limit etc.
·    Generated hourly reports to check the smooth flow of cases from verification queue to underwriting queue.
·    Skilled at working independently and collaboratively in a team environment.
·    Prepared approved & declined cases analysis & provided to the upper management and recommendations.
·    Adaptable and proficient in learning new concepts quickly and efficiently.
·    Identified issues, analyzed information and provided solutions to problems.
·    Passionate about learning and committed to continual improvement.
·    Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
Gained strong leadership skills by managing projects from start to finish

·    Handled hardcore buckets including 4, 5 & 6 and recovery
·    Reviewed status of accounts and initiated collection action by contacting each account.
·    Regularly monitored accounts to identify overdue balances and potential areas of risk.
·    Documented customer payment interactions and account statuses for future reference.
·    Identified and contacted customers with overdue accounts to address payment status.
·    Achieved performance goals on consistent basis.
·    Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
·    Maintained records concerning changes in accounts.
·    Handled Re-scheduled of accounts & write offs
·    Used scripted conversation prompts to convey current account information and obtain payments.
·    Resolved customer disputes and disagreements through professional, calm communication to find mutually beneficial solutions.
·    Collaborated with other departments to verify customer compliance with payment plans.
·    Maintained accurate records of customer accounts, payments and payment plans.
·    Analyzed customer financial records to determine appropriate payment plan.
·    Collected on delinquent accounts to reduce overdue balances.
·    Developed strong relationships with customers to foster timely payments and account resolution.
·    Maintained high volume of calls and met demands of busy and productive group.
Worked in call center environment handling manual and automatically dialed outbound calls.

·    Successful track record in selling the Smart Loan product all over the U.A.E
·    Served customers with knowledgeable, friendly support at every stage of shopping and purchasing.
·    Assisted with day-to-day operations, working efficiently and productively with all team members.
·    Researched sales opportunities and possible leads to exceed sales goals and increase profits.
·    Informed customers of promotions to increase sales productivity and volume.
·    Analyzed past sales data and team performance to develop realistic sales goals.
·    Utilized internal lead referral tools to solicit new business opportunities and contacts.
·    Achieved sales goals and service targets by cultivating and securing new customer relationships.
·    Skilled at working independently and collaboratively in a team environment.