Summary
Overview
Work History
Education
Skills
Timeline
Generic
Ajeeth Thampi

Ajeeth Thampi

Dubai

Summary

Highly accomplished professional with over 20 years of experience in retail and commercial banking. Demonstrates extensive management capabilities across various job functions. Recognized for expertise in identifying and assessing portfolio risks, implementing effective risk mitigation strategies that positively impact financial outcomes. Skilled leader adept at navigating dynamic business landscapes and meeting evolving requirements. Committed to ongoing personal growth, demonstrating quick learning ability to adapt to changing business needs and priorities.

Overview

24
24
years of professional experience

Work History

Manager - Retail Risk

Commercial Bank of Dubai
07.2021 - Current
  • Management of the risk vertical of the credit card business through effective control of key portfolio delinquency indicators & loss rates across product lines with the support of a team of in-house staff and external vendors
  • Developing processes and policies to meet the requirements of a dynamic collections environment while constantly evaluating existing strategies for improvement to aid bottom line growth through loss minimization..
  • Creation of a framework that analyzes portfolio trends. identify opportunities and mitigate threats and in the process increase overall productivity and efficiency parameters.
  • Manage a range of key operational tasks involving Capacity Planning, Budgeting & Forecasting, Recruitment, Training, Performance Management & Process Automation.
  • Validation of policy and procedural integrity to ensure adherence to CPR guidelines.

Head Of Collections

Majid Al Futtaim Finance
01.2016 - 06.2021
  • Effective monitoring and management of portfolio KPIs to reduce bad debt on the cards portfolio through a range of portfolio interventions to mitigate risk on annual loss budgets.
  • Heading a 70+ member team comprising of in-house & field collection executives, Supervisors and external vendors.
  • Creation of a framework that analyzes portfolios and collection activities and in the process identify opportunities for increasing productivity and efficiency
  • Engagement with internal and external auditors to secure favorable regulatory reviews and classifications
  • Implement Test and Learn programs across key opportunities for reduction of cost & provisions.

Manager - Portfolio Management & Business Analytics - SME

United Arab Bank
03.2015 - 12.2015
  • Manage and author product program for lending which includes critical evaluation of economic scenario, identification of critical risk levers and amendments to the program based on business and portfolio inputs on a continuous basis.
  • Structure and execute tests within products to explore segments for growth. Conduct stress test of the portfolio and risk based segmentation on regular intervals to monitor portfolio growth and direction.
  • Manage and execute security perfection for applicable lending which includes study of legal framework in different geographies, preparation of security documentation, legal arrangements, procedure and drafts for different transaction types.
  • To identify potential default accounts through the above regular review, investigate the causes of concern through closer examination of such accounts & recommend appropriate remedial action.
  • To monitor excesses, past dues, utilization of loan portfolio on regular basis and ensure that the relationship managers act on negative trends at an early stage.

Manager - Cards Products

Mashreq
05.2014 - 02.2015
  • Product proposition development to generate additional business and increase revenue potential.
  • Developing product & related marketing strategies to ascertain ideal market positioning.
  • Developing product structure/suite recommendations for existing and new customer segments.
  • Establishing a process for prioritizing credit card projects and initiatives.
  • Partnering with Finance and Portfolio units in developing budgets and forecasts actively driving discussion of product and pricing strategies and expected portfolio behaviors.
  • Vendor Management for acquiring new and managing existing merchants.

Executive Manager - Unsecured Collections

Dubai First PJSC
08.2008 - 12.2013

Associate Manager - Collection Strategy PAN India

Standard Chartered Bank
11.2008 - 08.2008

Process Specialist - Regional Operations

TCS E-Serve International Ltd
05.2002 - 11.2003

Trainee - Credit Initiation & Operations - Credit Card Sales

Citibank N.A
03.2001 - 05.2002

Education

Bachelor of Science -

Adarsha College
03.2000

GNIIT Program - Software Development

NIIT Technologies
03.2001

Higher Secondary Education - undefined

Cathedral College
03.1997

Skills

  • Portfolio Risk & Loss Management
  • Risk Analytics
  • Strategic / Tactical Planning
  • Budgeting & Forecasting
  • People Management
  • Mentoring & Leadership
  • Staff Development & Training
  • Change Management
  • Audit and Process Development
  • Product Development
  • Operational Excellence
  • Project Management
  • Business Relationship Management
  • Regulatory Affairs
  • MIS & Reporting
  • Quality & Compliance Assurance

Timeline

Manager - Retail Risk

Commercial Bank of Dubai
07.2021 - Current

Head Of Collections

Majid Al Futtaim Finance
01.2016 - 06.2021

Manager - Portfolio Management & Business Analytics - SME

United Arab Bank
03.2015 - 12.2015

Manager - Cards Products

Mashreq
05.2014 - 02.2015

Associate Manager - Collection Strategy PAN India

Standard Chartered Bank
11.2008 - 08.2008

Executive Manager - Unsecured Collections

Dubai First PJSC
08.2008 - 12.2013

Process Specialist - Regional Operations

TCS E-Serve International Ltd
05.2002 - 11.2003

Trainee - Credit Initiation & Operations - Credit Card Sales

Citibank N.A
03.2001 - 05.2002

GNIIT Program - Software Development

NIIT Technologies

Higher Secondary Education - undefined

Cathedral College

Bachelor of Science -

Adarsha College

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Ajeeth Thampi