**** ******* **, ****

NC-*****-USA.

ad3tdm@r.postjobfree.com

Zahir Ali Cell: 267-***-****

Head of Remedial & Collection

SUMMARY

I have over 20 years of banking experience in the area of Credit Risk mainly in Corporate Remedial as well as Retail Collection and recovery. I have worked for multinational Bank such as CitiBank and HSBC and large GCC banks namely FGB and Masraf Alrayan. Beside my experience I am a holder of a master degree in Banking and Business Economics. Looking for a challenging position at a progressive & reputed organization.

.

WORK EXPERIENCE

Dec 2018 to Aug 2022 MyComputerCareer

Account Receivable & Account Payable.

Besides handling Account Receivable task, I have been assisting MyCC in processing & managing Account Payable.

Responsibilities includes:

Managing accounts payable using accounting software (Yooz).

Handling accounts payable for separate entities and vendors.

Establishing and maintaining relationships with new and existing vendors.

Ensuring invoices are paid in a timely and accurate manner while adhering to departmental procedures.

Comparing purchase orders, prices, terms of payment and other charges

Processing transactions and performing accounting duties such as account maintenance, recording entries and reconciling books of accounts.

Prepare Check run report on weekly basis.

Ad-hoc reporting & special projects.

Nov 2016 to Dec 2018 MyComputerCareer

Account Receivable Specialist-Temp.

Help MyCC to discharge Account Receivable & Collection responsibilities of all campuses in East Coast with the objective to maximize Cash flow and minimize Non-Performing Loan (NPL).

Responsibilities includes:

Monitor students loans account details for non-payments, delayed payments and other irregularities.

Analyze and reconciliation of account receivable.

Prepare students statement/invoices, mail & emails the invoices to all students.

Adopt a professional approach in addressing past due & delinquent students.

Adherence to Fair Debt Collection Practice Act (FDCPA).

Create MIS to monitor the trend, performance and effectiveness of collection strategy.

Recommend an appropriate legal action in coordination with legal unit if necessary to recover a hardcore delinquent loans.

8824 Forster LN, Apex

NC-27539-USA.

ad3tdm@r.postjobfree.com

Zahir Ali Cell: 267-***-****

Head of Remedial & Collection

Mar 2009 – May 2016 Masraf Al Rayan Bank (MAR).

Collection Manager.

As a collection manager I was responsible for managing the daily activities of the collection department with the objective of maximize cash collection and to minimize (NPLs) Non-Performing Loans & overall control (NCL) Net Credit Losses.

Role & Responsibilities:-

Manage bad debt provision & losses within agreed budgets

Manage team performance includes coaching, supervision & motivation.

Manage daily workload, assigns collections list & monitor calls progress.

Prepare collections manual (process & procedures) & maintain a regular update to act as a guidance & roadmap for all collections team.

Set up & manage collections system to facilitate collection strategy, process & efficient use of available resources.

Establish a collection SMART target based on MAR Annual Operating Plan (AOP) & monitor the progress & achievement of collections goal.

Set up capacity plan based on Business growth plan & ensure headcount is within business budget.

Formulate Collections MIS & provide regular feedback to Chief Credit Risk Officer & all other stakeholders.

Recommend an exit strategy of a bad relationship, include legal action and liquidation.

Assignment of legal cases to MAR legal advisor & closely follow up with legal unit about the status of each case.

Actively participate in managing the process of liquidation & public auction.

Feb 2007 - Feb 2009 First Gulf Bank (FGB)

Collection manager

Control & monitoring of large portfolio, contain delinquency ratio& NCL (Net Credit Loss).

Analyze portfolio performance & recommend growth strategy to maximize revenue potential while controlling bad debts.

To design & implement collection / recovery strategy, techniques

& procedures.

To provide periodical feedback & recommendation to the credit policy maker.

Prepare capacity plan & do load balancing for the department.

Analysis of MI, review of workflow & develop efficiency of the unit.

Jan 2000 - Jan 2007 HSBC

Collection manager

Expert in Auto Dialer & CACSPlus (Collection Assisted Computer System).

Build & design dialer campaign, set up campaign strategy & monitor smooth & efficient running of the same.

8824 Forster LN, Apex

NC-27539-USA.

ad3tdm@r.postjobfree.com

Zahir Ali Cell: 267-***-****

Head of Remedial & Collection

Responsible for designing all inbound and outbound collections strategies, the smooth operation of the predictive dialer system, as well as the front end and mid-range delinquent portfolios across all products (Credit Card, Personal Loan, Auto Loan, Overdraft).

Analysis of delinquency rates and roll/cure rates to ensure optimal strategies.

Interview & recruit new staff, conduct training, coaching session & development program for new and existing staff.

Monitoring day-to-day performance to ensure efficient functioning of subordinates.

Jun 1996 - Jan 2000 CitiBank.

Credit Analyst (Consumer lending)

Scrutinizes & analyzing customers' credit application, analyzing financial statement, risk inherited & mitigating credit risk.

Review all documentation, customers' information & provide approval as per Bank policy and credit guidelines for all retail products i.e. (Auto-Loan, Cards, and Mortgage & Personal Loan).

Scrutinize customers' proposal & documents for Buy-out, Top up

& Refinance for PL, Mortgage & Auto-Loans.

Identify key risks and mitigating factors of credit transactions, such as asset types and values, legal and ownership structures, professional reputations, customer bases or industry segments. EDUCATION

Aug 1993 - Oct 1995 M.L Sukhadia University Udaipur, India Master in Commerce "Banking & Business Economics". Aug 1990 - Jun 1993 M.L Sukhadia University Udaipur, India Bachelor of Art " Economics"

Aug 1994 - Jul 1995 M.L Sukhadia University Udaipur, India Post Graduate Diploma "Banking Management".

OTHER CERTIFICATES

2013 Advanced Credit Risk Measurement Techniques Doha, Qatar 2010 Performance management Doha, Qatar

2007 Retail Credit Quality & Control FGB, UAE

2006 Advanced Management

Collection Workshop.

HSBC, UAE

2004 Supervisory Assessment Centre HSBC, UAE

Skills

MS –Office; Excel, word, Outlook & PowerPoint.

Performance management, Analytical Reasoning &

Planning skills. Telephone, Customer Service &

Negotiation skills.

8824 Forster LN, Apex

NC-27539-USA.

ad3tdm@r.postjobfree.com

Zahir Ali Cell: 267-***-****

Head of Remedial & Collection

COMMENTS

“The Quality of a person’s life is in direct proportion to their commitment to excellence, regardless of their chosen field”

Contact this candidate