Mohammed Refat
Abu Dhabi,UAE
Summary
Banking professional with 18 years of progressive experience in the Retail Credit function, specializing in Auto Loans and Auto Fleet finance. Proven expertise in credit risk assessment, policy implementation, portfolio management and regulatory compliance. Adept at leading and mentoring high-performing teams, driving operational excellence, and balancing business growth with prudent risk management. Recognized for problem-solving ability and delivering consistent results in a competitive retail banking environment.
Overview
19
19
years of professional experience
Work history
Retail Credit Operations Manager
Emirates NBD Global Services
Dubai, UAE
01.2025 - 08.2025
- Led Auto Loan Retail Credit function, overseeing data entry, verification, LPO issuance, and underwriting teams.
- Managed underwriting operations, enforced policy compliance, and implemented credit risk controls.
- Monitored delinquency trends to enhance portfolio quality initiatives and improve TAT and SLA.
- Implemented underwriting delegation enhancements to align with risk appetite and regulatory guidelines.
- Collaborated with product and sales teams to achieve sustainable portfolio growth while upholding credit standards.
- Mentored team leaders and assistant managers to strengthen leadership capabilities.
- Addressed audit queries, reviewed exception reports, and enforced operational control measures.
- Managed projects related to sourcing channel escalations and drove employee engagement initiatives.
Senior Credit Analyst / Assistant Manager
Tanfeeth / Emirates NBD
Dubai, UAE
08.2014 - 12.2024
- Supported end-to-end underwriting for auto loans and cross-sell credit cards within delegation authority.
- Conducted credit appraisals for salaried, self-employed, entity, and fleet customers.
- Supervised junior underwriters and data entry teams, ensuring compliance with policy guidelines.
- Assisted credit manager in streamlining appraisal workflows, reducing processing turnaround time.
- Monitored portfolio performance and identified risk patterns to tighten controls.
- Addressed audit queries and enhanced risk controls in collaboration with credit manager.
- Collaborated with policy, risk, and recovery teams to diminish delinquency ratios.
- Facilitated reject review forums and training sessions to minimise discrepancies.
Processing Team Member loans and cards
Tanfeeth / Emirates NBD
Dubai, UAE
01.2007 - 07.2014
- Processed loan and card applications within turnaround time.
- Supported verification and LPO issuance as required.
- Developed expertise in documentation for various segments and products.
- Maintained high-quality data entry and conducted de-duplication checks for underwriter review.
- Collaborated with team members to identify process inefficiencies and proposed improvements.
- Conducted system UAT and sanity checks with IT teams for operational integrity.
Education
Post Graduate Certificate - Business Administration
Heriot-Watt University
Bachelor of Commerce - Bachelor of Commerce
Mahatma Gandhi University
DubaiSkills
- Banking product knowledge
- Underwriting and approval management
- Credit risk assessment
- Process optimization
- Problem solving
- Team leadership
- Stakeholder engagement
- Collaboration and ownership
- Adaptability
- Customer service excellence
- User acceptance testing
Languages
English
Fluent
Hindi
Fluent
Malayalam
Native
Arabic
Elementary
Hobbies
- Volunteering
- Sports
- Reading
- Technology
- Cooking
Timeline
Retail Credit Operations Manager
Emirates NBD Global Services
01.2025 - 08.2025
Senior Credit Analyst / Assistant Manager
Tanfeeth / Emirates NBD
08.2014 - 12.2024
Processing Team Member loans and cards
Tanfeeth / Emirates NBD
01.2007 - 07.2014
Post Graduate Certificate - Business Administration
Heriot-Watt University
Bachelor of Commerce - Bachelor of Commerce
Mahatma Gandhi University
Similar Profiles
Radhiya ArifRadhiya Arif
Underwriter Assistant Manager - Retail Mortgage at Emirates NBD Global Services LLCUnderwriter Assistant Manager - Retail Mortgage at Emirates NBD Global Services LLC
Jawad AkhtarJawad Akhtar
Consultant Processor Associate at Emirates NBD Global Services LLCConsultant Processor Associate at Emirates NBD Global Services LLC
DENSON DOMENIC PINTODENSON DOMENIC PINTO
Account Services Senior Associate at Emirates NBD Global ServicesAccount Services Senior Associate at Emirates NBD Global Services
Eunice KaranjaEunice Karanja
EYFS Teacher at Chubby Cheeks NurseryEYFS Teacher at Chubby Cheeks Nursery
Viraj KuveskarViraj Kuveskar
Finance Manager at Grand Hyatt Hotel Emirates PearlFinance Manager at Grand Hyatt Hotel Emirates Pearl