Ajay Bhatia

• Develop and maintain automated MIS and digital analytics platforms to monitor retail portfolio performance, data quality, and key risk indicators.
• Create and manage net and gross flow models and statistical models for forecasting portfolio performance, losses, recoveries, and budget tracking under IFRS provisions.
• Lead data automation and digital reporting initiatives, providing guidance, review, and governance oversight to ensure quality and regulatory alignment, including Power BI dashboards and Alteryx-based automation, to improve efficiency, accuracy, and turnaround time.
• Establish robust risk analytics platforms built on well-structured databases, 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.
• Contribute to portfolio strategy discussions by translating analytics insights into actionable recommendations for senior stakeholders.
• Work closely with internal and external auditors and regulators to ensure compliance with Central Bank reporting and regulatory requirements.

• 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.

• 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.

• 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.

• 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.