Athira Pillai
Dubai
Summary
Accomplished professional with expertise in credit policy development and risk mitigation strategies, adept at enhancing digital banking solutions. Demonstrates strong leadership and team motivation skills, coupled with a proven ability to handle complaints and resolve issues effectively. Skilled in analytical and critical thinking, project planning, and coordination, with a focus on delivering comprehensive reports. Committed to leveraging problem-solving abilities to drive successful outcomes in collaborative environments.
Overview
14
14
years of professional experience
Work History
Verifier
Commercial Bank of Dubai
10.2015 - Current
- Evaluate all retail applications (PLCC, Mortgage & Business Banking) to disburse the loan funds to customer's individual or corporate accounts.
- Handle queries from Dubai Government licensed trustee offices, brokers and front end regarding each transaction on real estate.
- Accountable for performing disbursal activities involving registration of properties, handing over of documents to custodians, preparation of developer letters, bank letters & land department letters, reconciliation of security documents, processing vendor payments, disbursal of Asset products, whilst ensuring maximum efficiency, security and control in accordance to banks established policies & procedures.
- Perform release of property mortgage in DLD Portal/ AUH Smart Hub.
- Accountable for reconciliation of lien security documents on loans disbursed, maintain safe custody of security documents under dual controls.
- Ensure to deliver efficient and quality services to both internal and external customers that meet or exceed agreed service standards and ensure customer complaints are handled promptly and escalate unresolved issues to superiors.
- Provided suggestions resulting in cost savings, process enhancement and TAT.
- Check the veracity and validity of Security documents Title Deed / Uqood, SPA, disbursal documents etc.
- Attend and address the sales meeting to understand the sales' concerns and to provide them clarity and to guide them on processes.
- Single point of contact Audits, with responsibility of closing audit findings for the unit.
Credit Analyst
RAKBank
07.2011 - 09.2015
- Evaluate and analyze all credit applications for RAKfinance and RAKfinance Plus products in accordance with approved PPGs and credit policy.
- Evaluate requests for limit increases, amendment, upgrades etc.
- Perform credit screening & initial checks: Blacklist/NMF/Exposure/RB5 checks etc. and complete credit checklist.
- Perform quality credit turnaround to branches/sales as per Service Level Agreement.
- Attending to all branches and direct sales inquiries.
- Carry out all central operational tasks, ensuring all activities are completed within timescales and with a high degree of accuracy while adhering to Banks policies and processes.
- Provide and assist officer with clean-up projects and required MIS on a regular basis.
- Ensure all day to day activities are in compliance with Anti-Money laundering Act and other regulatory requirements laid down internally and by Central Bank.
- Identify and recommend improvements to existing procedure and processes, suggest changes for improving controls and reducing cost without compromising on service quality.
Education
Masters - Operations & Sales/Marketing, Banking Tax
Manipal University
Dubai01.2020
Bachelor of Commerce - Operations
Mahatma Gandhi University
Kerala01.2014
Higher Secondary - Commerce - CBSE
The Indian High School
Dubai01.2011
Skills
- Credit policy development
- Risk mitigation strategies
- Digital Banking
- Report Writing
- Problem-solving
- Leadership
- Team leadership and motivation
- Analytical and critical thinking
- Task collaboration
- Complaint handling and resolution
- Project planning and coordination
<Enter your own>
Timeline
Verifier
Commercial Bank of Dubai
10.2015 - Current
Credit Analyst
RAKBank
07.2011 - 09.2015
Masters - Operations & Sales/Marketing, Banking Tax
Manipal University
Bachelor of Commerce - Operations
Mahatma Gandhi University
Higher Secondary - Commerce - CBSE
The Indian High School
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