SALAMA BUZARAK
Dubai
Summary
High-achieving senior executive bringing expertise in business planning, revenue development and change management. Offers 18 years of leadership in banking industry along with entrepreneurial, forward-thinking mindset and demonstrated track record of accomplishment.
Overview
24
24
years of professional experience
1
1
Certification
Work History
AVP - Unsecured Products
Dubai Islamic Bank
03.2006 - Current
- Effectively manage the team and continuously strive to improve productivity and quality by monitoring their daily KPI performance through automated platform and enhance it whenever required
- Examine and investigate reported problems to incorporate corrective actions
- Assist the Head of Credit Initiation in monitoring risk and market trend to suggest amendment in policies
- Ensuring accurate capacity planning and cost effectiveness in order to perform the assigned activity by team members
- Act as an influencer to improve the environment for working of the department and assist in developing credit policy manual to establish the framework of retail credit
- To ensure that the department achieves an acceptable risk rating in all internal & external audits including in all consumer examination group reviews
- Develop and enhance personal and technical skill of individual through assigning internal and external training schemes
- Act as on-line consultant to source channels to structure/restructure the facilities
- To take appropriate decision within authority level on all exception cases referred to the department
- Assist the team handling other retail products to streamline the workload as needed.
- Managed projects efficiently, ensuring timely delivery and high-quality results.
- Streamlined communication channels between departments, facilitating better collaboration on projects across the organization.
- Developed and maintained strong relationships with clients, resulting in increased business opportunities.
- Maintained compliance with industry regulations by implementing risk mitigation measures and maintaining accurate documentation.
Credit Analyst
Citi Bank
12.2002 - 02.2006
- Evaluated financial documents for individual and self-employed customers in both languages, English and Arabic according to the banks policy
- Analyzed customers profile and reinstated rejected cases
- Cross checked customers' existing relationship repayment history & collection's feedback
- Ensured documentation protection of each transaction checked
- Systematic handing over to the lodgment unit
- Attended fraud training related to credit products
- Prepared MIS & report on monthly basis to the management
- Communicated along with departments concern with any policy changes.
Customer Agent - Summer Job
P & O NedLLoyd Shipping Line, Dubai
07.2001 - 08.2001
- Communicated with more than 100 international customers through phones and e-mails.
- Analyzed customers' surveys and prepared MIS.
UAE National Trainee Key
Standard Chartered Bank
12.2000 - 01.2001
- Trade Finance: Filed and dispatched export LCs
- Advised export LCs
- Confirmed and amend export LCs
- Finance: Posted expenses incurred by different bankʼs departments
- Prepared and analyzed audited financial statements
- Treasury: Overview of products and work process of the front and back offices
- Centralized Operations Department: Processed account opening, personal loans and auto loans
- Rolled over expired deposits and placed new deposits
- Cleared and encoded cheques
- Issued and activated ATM card as well as issued cheque books.
Education
Bachelor Degree in Business Administration -
Dubai Womenʼs College
2005
Higher Diploma -
Dubai Womenʼs College
2002
Skills
- Proficient in MS Word, Excel and PowerPoint
- Problem Solving technique
- Strong communication and relationship building
- Possess analytical and intuitive skills
Hobbies and Interests
- Learning new language (Chinese)
- Reading (Detective Novels)
Certification
Internal
• Planning & Organizing
• Intelligent Leadership
• International Financial Reporting Standards (IFRS)
• Art of Stress Management
• Creative and innovation problem solving and leadership techniques
• DIB Riyadh Program
• Artificial Intelligence
• Risk Evaluation and management
External
• Human Resources Management
• Professional Executive Director
• UAE labor law
Languages
Arabic
Bilingual or Proficient (C2)
English
Advanced (C1)
Timeline
AVP - Unsecured Products
Dubai Islamic Bank
03.2006 - Current
Credit Analyst
Citi Bank
12.2002 - 02.2006
Customer Agent - Summer Job
P & O NedLLoyd Shipping Line, Dubai
07.2001 - 08.2001
UAE National Trainee Key
Standard Chartered Bank
12.2000 - 01.2001
Bachelor Degree in Business Administration -
Dubai Womenʼs College
Higher Diploma -
Dubai Womenʼs College
Internal
• Planning & Organizing
• Intelligent Leadership
• International Financial Reporting Standards (IFRS)
• Art of Stress Management
• Creative and innovation problem solving and leadership techniques
• DIB Riyadh Program
• Artificial Intelligence
• Risk Evaluation and management
External
• Human Resources Management
• Professional Executive Director
• UAE labor law
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