Summary
Overview
Work History
Education
Skills
Accomplishments
Quote
Timeline
Extracurricular Activities
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Ajay Bhatia

Ajay Bhatia

Dubai

Summary

14+ Years of Consumer Banking Expertise: Seasoned professional with over 14 years of experience in Consumer Banking, specializing in MIS, Portfolio Reporting, IFRS Provisions Reporting, and Risk Analytics.

Versatile Skill Set: Possess outstanding skills in communication, leadership, organizational communication, interpersonal relations, and problem resolution.

Retail Banking Portfolio Management: A proven track record of successfully managing retail banking portfolios, aligning strategies with the bank's credit policies and business objectives.

Regulatory Compliance: Proficient in providing external reporting to Central Bank Regulators and collaborating effectively with Auditors to ensure compliance.

Business Support: Adept at providing invaluable support to various business units and departments through the delivery of insightful MIS, campaign management, and comprehensive portfolio reporting."

Overview

18
18
years of professional experience

Work History

Manager, Retail Analytics –Credit Risk and Control

ABU DHABI COMMERCIAL BANK (ADCB)
08.2018 - Current
  • Develop and maintain effective monitoring mechanisms and comprehensive MIS platform to analyze portfolio performance. This includes conducting stress tests and ensuring data accuracy.
  • Create and manage net and gross flow models and statistical models for forecasting portfolio performance, tracking losses, and recoveries against budgets.
  • Establish robust risk analytics platform built on well-structured database, integrating latest applications and portfolio analysis tools for multi-dimensional analysis and exception tracking.
  • Coordinate and run pilot programs to test effectiveness of business strategies, including credit bureau integration, statistical scorecard implementation, and detailed portfolio analysis.
  • Support portfolio growth through campaign management by providing credit validations for customer cross-sell and upsell initiatives to Business Intelligence Units (BIU) and product teams.

Team Leader, Risk Analytics – Credit Risk and Control

ABU DHABI COMMERCIAL BANK (ADCB)
01.2015 - 08.2018
  • Conducted pilot programs to evaluate effectiveness of business strategies, including system integration, statistical scorecard implementation, and detailed portfolio analysis.
  • Supported business and policy teams in driving portfolio growth through campaign management by providing credit validations to Business Intelligence Units (BIU) and product teams.
  • Managed team performance by setting objectives and offering formal feedback for engagement and motivation.
  • Provided expertise and assistance in implementing IFRS 9 model and Statistical Scoring across bank's Retail Portfolio.
  • Produced retail information for multiple regulatory reports, including BRFs submitted to Central Bank.

Risk Analyst – Credit Risk and Control

ABU DHABI COMMERCIAL BANK (ADCB)
09.2008 - 01.2015
  • Prepared, monitored, and reported portfolio MIS to provide essential information to Risk & Business Managers for policy and product decision-making.
  • Vigilantly monitored policy caps and promptly reported breaches for appropriate action.
  • Conducted credit validation for pre-qualified campaigns to support business and portfolio growth.
  • Generated early triggers and other pertinent MIS to assist collections units in managing delinquent portfolios and containing losses.
  • Tracked and reported provision impairment, monitored retail portfolio loss budgets, and prepared forecasts.
  • Facilitated implementation of score-based credit decisions, conducting portfolio analysis to support credit and policy adjustments in sourcing and portfolio strategy.

Branch Coordinator - Personal Loans

ABU DHABI COMMERCIAL BANK (ADCB)
09.2006 - 09.2008
  • Handled inquiries and complaints from Branch Units, Retail Credit, and Contact Centre, ensuring timely resolution for all branch units in UAE.
  • Provided feedback and solutions to Branch Units for policy and credit-related issues.
  • Tracked all personal loan cases from submissions to disbursals, ensuring compliance with agreed-upon Turnaround Time (TAT).
  • Managed discrepancies in Personal Loan cases returned from CAD, communicating issues for rectification with relevant branch units.
  • Coordinated between Branches, Credit, and CAD to address any operational issues.
  • Reviewed and reinstated declined cases as necessary.
  • Maintained tracking sheet for submissions and declined cases, producing detailed reports for Head of Branch Network on daily basis.
  • Assisted branches with urgent Personal Loan issues, including inquiries and resubmissions.

Sales Officer – Personal Loans

ABU DHABI COMMERCIAL BANK (ADCB)
12.2005 - 09.2006
  • Marketed and sold personal loan products to employees of Target Market Listed companies with Abu Dhabi Commercial Bank.
  • Created customer-friendly environment, prioritizing excellent service and support.
  • Educated customers about product and provided accurate information regarding procedures and documentation.
  • Conducted cross-selling of other products, including Credit Cards and Account openings.
  • Identified and recommended potential companies to be added to Target Market List (TML) for personal loans and other core products.

Education

Bachelor of Commerce (B.Com) -

Symbiosis College of Arts & Commerce
Pune, India
06.2003

Higher Secondary School -

Mayo College
Ajmer, India
07.2000

Skills

  • Portfolio Analysis and Management: Demonstrated expertise in effectively analyzing and managing portfolios, optimizing risk exposure, and enhancing overall performance
  • Credit and Risk Management Tools: Proficient in utilizing wide array of credit and risk management tools, with a deep understanding of their application to drive informed decision-making
  • Advanced Analytical Skills: Recognized for exceptional analytical and logical reasoning abilities Skilled in using analytical tools such as VB, BO, SAS, Tableau, SPSS, and more to extract actionable insights from data
  • Database Management: Proficiency in database management tools, including SQL and Oracle, enabling efficient data handling and retrieval for critical decision support
  • Statistical Scorecard Expertise: In-depth knowledge of statistical scorecard methodologies and credit bureau logics, contributing to accurate credit risk assessments and portfolio management

Accomplishments

    Longstanding Recognition: Acknowledged for a decade of dedicated service and outstanding contributions, receiving a 10-year service recognition from ADCB.

Quote

There is a powerful driving force inside every human being that, once unleashed, can make any vision, dream, or desire a reality.
Tony Robbins

Timeline

Manager, Retail Analytics –Credit Risk and Control

ABU DHABI COMMERCIAL BANK (ADCB)
08.2018 - Current

Team Leader, Risk Analytics – Credit Risk and Control

ABU DHABI COMMERCIAL BANK (ADCB)
01.2015 - 08.2018

Risk Analyst – Credit Risk and Control

ABU DHABI COMMERCIAL BANK (ADCB)
09.2008 - 01.2015

Branch Coordinator - Personal Loans

ABU DHABI COMMERCIAL BANK (ADCB)
09.2006 - 09.2008

Sales Officer – Personal Loans

ABU DHABI COMMERCIAL BANK (ADCB)
12.2005 - 09.2006

Bachelor of Commerce (B.Com) -

Symbiosis College of Arts & Commerce

Higher Secondary School -

Mayo College

Extracurricular Activities

Chess Captain - Mayo College, Ajmer

  • Served as the Chess Captain, demonstrating leadership and teamwork skills.

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