MOHAMMED RAZZAK ALI

Key Result Area:

• Managing and overseeing daily operations.
• Monitoring and analyzing accounting data and produce financial reports or statements.
• Establishing and enforcing proper accounting methods, policies and principles.
• Oversee new business development to generate sales leads, negotiate client pricing and forecast revenue.
• Liaised with marketing and sales teams to develop targeted campaigns.
• Reviewed and mitigated discrepancies to increase sales, reduce costs and streamline processes.

Key Result Area:

• Manage and oversee the daily operations of the accounting department including accounts payable and receivable, cash and bank receipts, payroll & utilities, revenue and expenditure analysis, treasury and budgeting.
• Monitor and analyze accounting data and produce financial reports or statements.
• Establish and enforce proper accounting methods, policies and principles.
• Executed vendor setup and payment, administration of bank accounts and account reconciliation.
• Coordinate and complete annual audits.
• Improve systems and procedures and initiate corrective actions.
• Trained new and existing staff members in various financial procedures to prepare for job requirements

Key Result Area:

• Ensuring banking operations are followed as per regulations and in Compliance with bank's policy.
• Complying to DLA and Deviation Matrix for escalations; ensuring sharing of deviation & discrepancy report to stakeholders.
• Authorize/Approve transactions, Manager's check, credit lending up to AED 500,000/- in personal loan, AED 100,000 in Credit Cards, AED 150,000 in Auto loan, ODs up to AED 50,000/-.
• Ensuring accurate processing of files with 0% error rate; identifying & resolving process gaps in coordination with cross-functional teams; reviewing competency of team members for training
• Liaising with division's internal and bank's central audit team in auditing files as per bank's & Central Bank's norms.
• Performing random sample check of files for RCSA - Risk Control Self Assessment.
• Checking, authorizing/approving entries of Sales Officers/Relationship Officers and RMs regards to NTB and existing customers.
• Interfacing with Regional Managers, Branch Managers, Customer Relationship Managers, Head of Branch Distribution, Head of Direct Sales and Team Leaders and Operations division to ensure timely processing of customer credit requests.
• Conducting due diligence and KYC for processing of bank accounts, loans & credit card application & transactions.
• Analyzing operations, credit quality, controlling delinquencies and mitigating frauds, thereby contributing in quality portfolio leading to healthy branch profitability thereby ensuring service excellence to enhance portfolio, control retention and better cross sell of products.
• Taking prudent credit decision & sanctioning proposal based on available information & interactions with applicants.
• Administering various lending operations including appraising proposals, conducting risk analysis and scrutinizing relevant documents within specified guidelines
• Executing credit policy and conducting continuous evaluation to ensure adherence to the policy & compliance with the Authority Matrix; driving departmental operational risk self-assessment and risk indicator reporting, developing automated and data driven control monitoring.
• Managing external vendors and outsourced companies handling various aspects of branch operations including CPV, Field Visits, Data Entry and Data Validations.

Projects Handled:

• Worked as member of Pilot Team for new business set-up and successfully started Credit Initiation Unit for the bank.
• Designing, developing & deploying new process flow by initiating new Service Management Solution Systems (SMS) with focus on reducing TAT, risk and error rate and enhancing customer service.
• Designed. Developed and conceived Loan & Credit Card Credit evaluation system with focus on implementing product and profile wise policy parameters, 100% accuracy on offerings, 0% in error rate, reduce TAT and increase staff productivity,
• Set up process and procedure for processing request for 0 day BT, Limit Increase and Supplementary cards from contact centers and branch
• Devised & deployed credit related Policy & Score Profiler with focus on sourcing from Business Units, data entry by Vendor, CPV, Credit Appraisal, Application Status & Tracking, Performance Management of staff and CASA.
• Developed and deployed ‘Policy and Product Engine Tool' module for Personal Loan and Credit Cards which later was used by Sales and Credit for sourcing applications and for Credit appraisal.
• Created & implemented ‘Loan Pre-Approval Calculator' module for Personal Loan to know loan eligibility in terms of Max Loan amount, Rate of Interest and Max EMI allowable by just entering very few basic information.
• Designed & implemented ‘Leader Board – Performance Management Tool & ‘Workforce Management Tool' modules for evaluating overall performance and managing overall business operations.

Notable Achievements:

• Received Head of CBG Award of Excellence in 2016 for overachieving targets, customer satisfaction within defined TAT for Credit Cards, Loans, CASA and Bank Assurance Operations
• Received ‘Exceptional' Annual Appraisal Rating in 2016 & 2017 for delivering excellence and motivating team for the same as well as designing & deploying new process flow by initiating new Service Management Solution Systems (SMS) with focus on reducing TAT and enhancing customer service.
• Successfully set up entire process, unit, SOPs, KPIs, automated tools and trackers for new business division and got ‘Tawasul' Employee of Quarter Award in 2014

Key Result Area:

• Key responsibility included leading a team of 12 Credit Analysts & 5 CPV Officers for Credit Appraisal of Retail Products including Personal Loans, Credit Cards, Auto Loan, Home Loan, Temporary & Revolving Overdrafts, Rescheduling of Loans
• Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
• Recommended approval or disapproval of commercial, real estate or credit loans.
• Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
• Obtained and interpreted financial statements to assist in credit limit reviews.
• Adhered to banking standards and government lending guidelines for loan services.
• Used LMS and CAS to perform credit appraisals, document verification and loan approvals.
• Created & shared various Credit MIS to top managements on a daily, weekly & monthly basis with key metrics.
• Discussing credit cases with business units on behalf of Credit unit..
• RCSA - Quality checks and Auditing credit appraisals done by credit team.
• Weekly MIS reporting of units deliverables and productivities.
• Half yearly performance appraisal of team members.
• Managing on boarding and training of newly joined staffs in unit in terms of process, products and policies.

Projects Handled:

• Automated Credit System to manage credit approvals in tune of AED 200 Million per month while ensuring 0 defects.
• Played enhanced role in promoting Mortgage business for bank.
• Automated MIS and reports for Credit Unit.
• Set up Credit Appraisal and CPV process for bank.

Notable Achievements:

• Rated as Excellent in Annual Appraisal for consistently exceeding individual as well as team expectations as per set KPIs, automating Credit Tools, MIS & Reports for Online Tracking, as well as enhancing Mortgage Lending from 5% to 523% in 6 months by leading teams of Mortgage Credit, Personal Loans, Cards, Auto Loans and Overdraft

Key Result Area:

> From 2007 to 2009 (Operations Department)

• Handling account opening of new customers.
• Maintaining and amendments of existing customer accounts.
• Handling KYC of new and existing customers.
• Compliance check of credit documentation prior to disbursal of loans.

> From 2010 to 2012 (Collections)

• Monitoring hard bucket customers regards to their default status and thereby taking appropriate legal actions – producing security, filing police cases and foreclosure cases in court as per bank's policy.
• Handling and liaising with external collection agencies for debt recovery and tracing no show and untraceable customers.
• Handling and liaising with bank's internal legal department and external legal firms to file foreclosure cases in court.
• Handling all weekly and monthly departmental Collections reports and MIS for presenting it to board members.

Projects Handled:

• Developing entire system for Collections & Recovery Management including modules for Legal, External Agencies, Legal Actions and CPV.
• Automated generation of DPD based customer correspondence and intimation letters.
• Set up of process for managing external recovery agencies to track recoveries, skip tracing, commissions, reports, follow ups and MIS reports.

Notable Achievements:

• Highest rated appraisal in department consistently for 2009, 2010 and 2011 for adhering to 0-day TAT since date of joining.
• Developed & shared accurate MIS reports regularly and processed files & disbursement within defined time and received appreciation from management.
• Recognized as ‘One of Most Critical Staff' by management consistently from 2008 to 2012

Key Result Area:

• Developed and managed 7 portals each for Hewlett Packard Voice Support, Supervisors, Level-2 (Wipro Technology) Support, Quality, CCOD, MIS, Hewlett Packard E-Support & Admin and Client Reports which included approx. 140 applications and modules.
• Created and managed various online trackers, tools, simulations & online test portals
• Designed reporting formats to provide accurate information; automated manual reports into system generated reports.
• Planned and designed system improvements to meet changing demands.
• Trained users and supported variety of problems with hardware and software.
• Installed improvements and adjusted parameters to optimize functionality.
• Performed internal system acceptance to deliver well-tested enhancements and meet business requirements.
• Re-engineered existing computer systems to promote ease-of-use and improve system security.
• Oversaw document development across project work streams to create internal control statements per compliance and regulatory standards.
• Communicated and explained business requirements to team members to understand and implement functional demands.
• Collaborated with upper management to drive strategy and implement new processes.
• Enhanced project management skills by defining and presenting system solutions and timelines for business needs or technical problems.
• Provided professional services and support in dynamic work environment.
• Resolved problems, improved operations and provided exceptional service.
• Used critical thinking to break down problems, evaluate solutions and make decisions.
• Troubleshot incidents reported by end-users to schedule system changes and identify permanent solutions

Projects Handled

• Fully automating back office process for Hewlett Process in Voice, Chat and Tech Support.
• Designed, developed and conceived over 140 applications and modules for Wipro's back office operation for HP including chat, email, escalation, quality check and tech forum tools.

Notable Achievements:

• Consistently delivered excellence and successfully automated complete operations for HP and got rewarded twice in year and got ‘Certificate of Excellence' from Hewlett Packard for same
• Achiever of maximum appraisal rating within organisation - rated G5P5.

Key Result Area:

• Creating portals, CRMs and online tools for clients.
• Planned and designed system improvements to meet changing demands.
• Collaborated with upper management to drive strategy and implement new processes.
• Automating processes, reporting and MIS tools.
• Planned and designed system improvements to meet changing demands.
• Trained users and supported variety of problems with hardware and software.
• Installed improvements and adjusted parameters to optimize functionality.
• Performed internal system acceptance to deliver well-tested enhancements and meet business requirements.

Projects Handled:

• Fully automating BPO back office processes and tools including quality, HR, Payroll and Tech Support.
• Developed chat, email and online exam tools.

Key Result Area:

• Delivered engaging curriculum through diverse methods of classroom instruction, computer lab activities and online learning systems.
• Compiled reading lists and other relevant assignments to bolster student understanding of class concepts.
• Implemented instructional accommodations as required to maintain compliance with ADA requirements.
• Composed course syllabus to clearly outline curriculum, expectations and deadlines at beginning of computer programming courses.
• Delivered clear, effective feedback to improve quality and efficiency of student-written computer programs.
• Set up computers and networking systems and delivered step-by-step instructions on basic use.
• Delivered clear, effective feedback to improve quality and efficiency of student-written computer programs