Muhammed Ramees

• Lead risk event investigations, identifying control failures, recommending corrective actions, and ensuring preventive measures.
• Develop and maintain monthly Risk Pack covering risk events, audits, compliance reviews, fraud prevention, KRIs.
• Collaborate with senior stakeholders (HODs, ITD, GCOO) to review incidents, resolve action items, and enhance governance.
• Conduct thematic reviews and cross-departmental risk assessments, recommending control enhancements.
• Execute control testing with Assurance, Compliance, Sanctions, ORM, and Fraud teams.

Key Achievements:

• Reduced material risk incidents by 12%.
• Improved incident tracking and resolution time by 29%.
• Designed and implemented the Risk Pack, improving executive decision-making transparency.

• Produced daily performance and dealer reports, enabling senior management to identify gaps and growth opportunities.
• Delivered competitor analysis and insights to enhance competitiveness and shape policies.
• Supported automation of mortgage process and improved workflows, reducing loan turnaround times.
• Partnered with Credit and RCAD to streamline loan disbursals, increasing operational efficiency.

Key Achievements:

• Increased operational efficiency by 51% in 2022.
• Drove 45% sales growth (2017–2022).
• Enabled faster, smoother customer journeys with system enhancements.

• Managed reporting to support senior decision-making.
• Forecasted trends and sales opportunities using predictive analysis.
• Streamlined disbursal movements and showroom payments.

Key Achievements:

• Increased revenue by 10% in 2016.
• Boosted efficiency by 28% via KPI frameworks.
• Contributed to 35% sales growth (2012–2016).

• Led ICT solution sales, securing and managing government projects (AED 3–5M budgets).
• Built client relationships, tailored solutions, and closed high-value contracts.

Key Achievements:

• Increased customer satisfaction by 25% with improved client engagement.