A performance driven finance professional with 12 years of impressive track record in driving Islamic banking operations to ensure continuous achievement of its short and long term goals. a professional accounting graduate completed master of professional accounting from Swinburne University of Technology. Motivated Trainer eager to help new hires advance in knowledge and abilities to meet career goals. Engaging and hands-on instructor with more than 12 years of related experience and superior planning and time management abilities.
Hi, I’m
Rishan Abdul Razak
Dubai
Summary
Overview
16
years of professional experience
Work History
Dubai Islamic Bank
Credit Support Officer Asset Business Banking
06.2022 - Current
Job overview
- To check customer's records with Central Bank Report, Collection, Blacklist and all kind of system checking as advised by policy to minimize risks associated with customer's integrity, credibility, repayment history and relationship with other banks.
- Analyze credit data. Financial Statements - Balance sheet, P&L accounts and cash flow statements of companies and examination of the degree of risk involved in extending credit or lending money
- To identify and highlights all fraudulent activities thereby reducing risk exposure and increasing quality of analysis.
- Mis Reports for the cases escalated to FRM and collection with their feedback as backup and future reference.
- Follow up with the team for any unprocessed cases in any stage to avoid any delays and breach of TAT.
- Complying with approved policies, procedures, SLAs and regulatory requirement to maintain quality standards and ensuring risk mitigation
- Coordinating with field visit based on the request sent.
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
- Carried out day-day-day duties accurately and efficiently.
- Demonstrated respect, friendliness and willingness to help wherever needed.
Abu Dhabi Islamic Bank
Repossession Support
10.2020 - 05.2022
Job overview
- Managing collection MAP account for legal dept and ensure daily reconciliation
- Responsible for providing Repo data to IFRS9 and Credit Risk team Generating periodic reports and MIS summarizing the progress on assigned tasks and target
- Manage Repossession tasks related to auction companies and everyday functions of auction companies
- Manage and provide appropriate justifications for estimation expenses for repossess vehicle in traffic yards
- Provide report on the reconciliation between AFS booking and repossessed vehicles
- Prepare and monitoring monthly scorecard for the team
- Maintain records of all the information about the vehicles inventory/sold Actively listened to customers' requests, confirming full understanding before addressing concerns
- Collected data and developed detailed spreadsheets to identify trends and create revenue, profitability and expense forecasts
- Ensure monthly target are achieved
- Supporting RCSA with relevant information required for internal control Preparing monthly Repossession review and summarizing the slides to Head of collections Department.
Abu Dhabi Islamic Bank
Collection Officer
03.2016 - 09.2020
Job overview
- Pursue High Value contactable cases and ensuring target achievement
- Study the customer cases, prepare notes and questions to discuss with the customers and update in the system
- Discuss about the due amount, deadlines and ways of payment with the customer and negotiate the agreements upon the team leader's approval as per company policies followed by delivering the response to the team leader and collection manager
- Collaborated with repossession and legal dept to achieve target
- Providing long term solutions to customers like settlements through Re-age/Reschedule or Restructuring of total liabilities
Abu Dhabi Islamic Bank
Disbursal Co-ordinator
01.2013 - 02.2016
Job overview
- All tasks pertaining to disbursal of all Tier-0 products; tasks included coordinating with Credit admin department; Wholesale Finance operation; Sharia department; legal Department; ADIB Securities; Branch Operations; Risk Management and Central Bank (Direct Debit System)
- Prepare security documents; Murabaha Contracts & the buying /selling of shares for Tadawel customers
- Prepare and analyze credit proposals for Business finance in compliance with the Bank's credit policy and Central Bank directives Analyze credit data, Financial Statements – Balance sheet, P&L accounts and cash flow statements of companies and examination of the degree of risk involved in extending credit or lending money Initiating DDA through central bank system
- Undertake risk assessment of SMEs and approval with Delegated levels
- Prepare monthly rejection/cancellation reviews for SME finance and review of Non-starters on a monthly basis to detect a pattern/ trend (if any) and help resolution by liaising with Collections
- After Sales Support like processing early settlement, Restructuring, Postponements, Release of security Cheque once finance is cleared as per customer Request
Universell PVT LTD (Vodafone Dealer)
Sales Executive
08.2009 - 01.2011
Job overview
- Solving customer's Problems
- Data entry for customer's contract (Siebel)
- Create a backup and recovery policy
- Use clickpos as the database to add retrieve stock and customer details
- Analyse past sales and team performance to develop realistic sales goals
Education
Swinburne University of TechnologyMelbourne
Master of Professional Accounting
02.2012
University Overview
DR GRD College of Arts & ScienceCoimbatore
Bachelor of Commerce from E-COM
06.2009
University Overview
Skills
- Temenos T24
- CRM
- Credit analysis
- Finnone Banking Application
- Ethix Banking Application
- IBM-BPM
- Smart connect
- Analytical and critical thinking
- Organization and time management
- Team building multitasking abilities
- Planning and coordination
- Ms office
- Negotiation
- Policy and procedure adherence
- Disbursement
- Prime collection System/Intellect suite
- Teamwork and collaboration
- Excellent communication
- Sales team support
Languages
English
Timeline
Credit Support Officer Asset Business Banking
Dubai Islamic Bank
06.2022 - Current
Repossession Support
Abu Dhabi Islamic Bank
10.2020 - 05.2022
Collection Officer
Abu Dhabi Islamic Bank
03.2016 - 09.2020
Disbursal Co-ordinator
Abu Dhabi Islamic Bank
01.2013 - 02.2016
Sales Executive
Universell PVT LTD (Vodafone Dealer)
08.2009 - 01.2011
Swinburne University of Technology
Master of Professional Accounting
DR GRD College of Arts & Science
Bachelor of Commerce from E-COM
Similar Profiles
SHAHEEN TOLESHAHEEN TOLE
Quality Control & Compliance Officer at Dubai Islamic BankQuality Control & Compliance Officer at Dubai Islamic Bank
KARIM NAGI TAWFIK KARIM NAGI TAWFIK null
Senior sales executive at Dubai Islamic BankSenior sales executive at Dubai Islamic Bank
MUHAMMAD NADIR KHANMUHAMMAD NADIR KHAN
Unit Head, Business Banking Assets at Dubai Islamic BankUnit Head, Business Banking Assets at Dubai Islamic Bank
Naveed MalikNaveed Malik
Group Head Retail & Consumer Banking at Dubai Islamic Bank Pakistan LimitedGroup Head Retail & Consumer Banking at Dubai Islamic Bank Pakistan Limited
MOHAMMED ANASMOHAMMED ANAS
Freelancer at Stefab.comFreelancer at Stefab.com