Sajjad Ghani Larik
Summary
To pursue a challenging position with a progressive organization within Middle East where I can contribute my Retail and credit management, and leadership skills towards the organization's success and my own personal development.
Professional Profile: Having over 15 years of experience in Banking, Credit & Risk, Sales, and portfolio management. Highly developed interpersonal, negotiation, networking and customer relationship skills within a credit and risk environment. Experienced in analyzing and advising the retail sector on complex financial information and structuring appropriate solutions.
Excellent experience of leading, coaching, and motivating teams involved in credit, risk assessment, monitoring, control & networking Computer-proficient: MS Office Excel, Power Point, and Internet Areas of Expertise & Interests Retail Banking – Credit & Risk –Team Management – Customer Service – Sales - Supervisory Skills.
Personal Attributes: Dedicated worker, quick learner, responsible and energetic Capable of handling work independently Co-operative and friendly approach towards work and people. Result oriented, keen to learn and completes tasks on time. Ability to follow a set of instructions. Always work with positive attitude Has very good organizing and time keeping abilities.
Overview
21
21
years of professional experience
1
1
Certification
Work History
Sr. Credit Analyst
Emirates NBD Dubai (Tanfeeth)
09.2008 - Current
- Retail Credit (Having approval delegation of AED 175k and 2 Mio per customer group exposure)
- Job Accountabilities:
- Comply to information security and data privacy policies
- Ensure the credit terms are met before authoring the card/Loan
- Ensure documents submitted are consistent and complete
- Job Responsibilities:
- To analyze and verdict Retail credit applications by reviewing financial capacity, business profile, industry position, repayment capability, collateral adequacy and account conduct
- Receive the customer credit card application from the different channels
- Handle escalated queries and issues through calls, emails and other channels
- Reviewing financial statements, credit reports and appropriate ratios (i.e: Debt ratios, loan-to-value)
- Examine transactions to ensure accuracy, completeness and underwrite applications
- Prepare formal reports for escalation to client's retail credit, whole sale banking, collections and compliance unit
- Ensure the documents are consistent and uphold to company and central bank guidelines
- Implement fraud detection techniques, performing compliance reviews
- Assist with re-negotiations of loans based on lending guidelines
- Liaise with sourcing channels for clarification regarding applications
- Maintain MIS and generate reports as applicable (Deviation MIS and Score card MIS e.t.c)
- Attend to requirements of audit and compliance
- Act as a referral point for escalation / credit reviews / inputs to business teams
- Coaching of team members in credit policies
- Work in partnership with Team Captain to achieve team and unit goals
- Other duties as assigned and participate in process improvement projects, and support other management directives as prescribed
- Actively participates and communicates in the team-based work groups that make up the Credit Department
- Staying informed about the legal, compliance and market-risk-related issues involved in the approval of credit
- Handling department credit limit reconciliation
Team Captain
Emirates NBD
- To lead a team of 20 No: of processing staff responsible for the day-to-day operations of cards, ensuring SLA and process adherence
- Manage the performance of the staff by setting employees objectives, reviewing and rewarding performance against objectives and responsible for leave management
- Providing coaching, feedback & assistance to the team to ensure they understand new policies & procedures for quality
- Manage the daily activities, track by keeping MIS and equally divide the work load to ensure overall performance
- Verify & analyze credit information and documentation
- Review, analyze and recommended the case to GRC for higher approval
- Perform exposure check when needed
- Respond to audit queries and remarks with regards to cards authorized
- Handle escalated queries and issues through calls, emails and other channels
- Manage relations with different sourcing channels
Processing Specialist
National Bank of Dubai
01.2006 - 08.2008
- Processing applications of high profile customer's i-e Members of Ruling family, Diplomats, Corporate, Private and Priority banking
- Comprehensive and minute scrutiny of all application documents
- Handling Retail Credit Email account & Solving CRM complains
- Maintain the MIS and tracking system for all applications received
- Ensure verified applications are dispatched to Card operation unit for disbursement
Sales Officer
Mashreq Bank Dubai
04.2004 - 05.2005
- To achieve targeted numbers on sales of credit cards and to contribute to the team's overall performance
- To list unapproved and business potential companies to increase sales volumes
- To provide quality and timely service to customers and to ensure customer satisfaction to minimize complaints, passing on product information to customers, it includes both before and after sales services, this further helps in developing business through referrals
- To provide competitive information to management to formulate strategy and plans for better and improved sales results
- To manage key retail relationships by interacting with key decision makers in MNC's and large local corporate organizations
Assistant Officer
Consulate General Of Pakistan, Dubai
10.2002 - 03.2004
- Database management
- Handling accounts and administrative related work
- Handling customer's inquiries, both telephonic & direct
- Direct Corresponding with Overseas Headquarter in Islamabad
- Coordinating with TCS Courier Service
- Additional support extended to other consulate staff on regular basis
Education
Bachelors of Engineering (B.E) -
Mehran University of Engineering & Technology
2001
Skills
- Good knowledge of retail products and UAE market
- Holding valid driving license of UAE
- Visited Gulf Countries - Saudi Arabia and Oman
Accomplishments
- Certificate of Excellence of being Valued Champion in 2023 by Tanfeeth (R-ACE)
- Bravo Individual awarded by Emirates NBD for the month of November 2016 in recognition of commitment to delivering high performance
- Ambassador Individual awarded by Emirates NBD for the months of January 2016 , August 2016 and April 2015, In recognition of commitment to living our values, above and beyond the scope of the role
- Certificate of appreciation by ENBD for the month of June 2014, In recognition of contribution to the “Underwriters certification program”
- Certificate of recognition awarded by ENBD for Most Popular Staff in RCC
- Certificate for Values Champion Individual by ENBD for the month of September 2014
- Letter of appreciation & I-pad award received by GM, Retail Banking, Emirates NBD for tremendous contribution during the year 2012
- Extra miler award received by ENBD for the month of June & September 2011 and for the month September 2012
- Certification of completion for Advanced Lean workshop by Tanfeeth for the month February 2012 as part of Tanfeeth Managers Capability Building
- Certification of appreciation by Emirates NBD for contribution towards Prevention of fraud and Risk customer application for the year 2009
Additional Information
- Good knowledge of Bidaya Tab 2.0, Way-4, Finacle, CRM, Finone CAS , Tracksoft, Blacklist / Internal watchlist, EIB Yusr, CFU Finone, CBRB, AS 400, AML world check, Embounce, Vision+, LMS, BPM Image base and Al Etihad Credit Bureau (AECB report)
- Have an excellent understanding of financial transactions/modern banking
- Fast learner with excellent problem solving skills
- Can work well under stressful conditions
- Team player who also works well independently
- Understands work and takes full responsibility to complete task
- Participates willingly and volunteers to covers for other's work when team resources are scarce
Certification
Trainings Attended:
• Banking Fundamentals & Retail Products Sales Training - Organized by Mashreq Bank - Awarded Certificate of Proficiency on successful completion of the Sales Officer Cards Certification in May 2005
• Lean certification - Certification of participation in Feb 2012 in recognition of successful completion of Lean Boot Camp workshop at Tanfeeth, Emirates NBD
• Supervisory Development Program - Completion of course for SDP in 2012 by Tanfeeth-Emirates NBD to develop skills for setting goals, coaching and motivating, and developing employees
• Money laundering Counter Measures - Anti-money laundering – CBT program by NBD in May 2011
- Trainings conducted by EIBFS (2019) - Coaching for Performance and Sukuk.
Timeline
Sr. Credit Analyst
Emirates NBD Dubai (Tanfeeth)
09.2008 - Current
Processing Specialist
National Bank of Dubai
01.2006 - 08.2008
Sales Officer
Mashreq Bank Dubai
04.2004 - 05.2005
Assistant Officer
Consulate General Of Pakistan, Dubai
10.2002 - 03.2004
Team Captain
Emirates NBD
Bachelors of Engineering (B.E) -
Mehran University of Engineering & Technology
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