Sandhya Retna Kumar
Dubai,United Arab Emirated
Summary
Results-driven professional with expertise in change management tactics, IT infrastructure insights, and advanced Microsoft Office applications, including data analysis and presentation. Proficient in CRM systems, BPM tools, credit risk assessment platforms, and financial forecasting, complemented by strong leadership effectiveness and negotiation mastery. Adept at quality assurance, customer relationship management, and worker training while excelling in database design and business analysis. Demonstrates exceptional time efficiency and self-motivation with a focus on delivering impactful solutions that drive organizational success.
Committed manager with exceptional leadership, organisational skills and communication abilities leads high-performing cross-functional teams. Leads projects, company operations and business growth.
Offering strong analytical and problem-solving skills with background in data interpretation and project management. Knowledgeable about driving process improvements and collaborating effectively with cross-functional teams. Ready to use and develop analytical, communication, and strategic planning skills.
Overview
15
15
years of professional experience
7
7
years of post-secondary education
1
1
Certification
Work History
Business Banking Portfolio Quality (Business Analyst)
Dubai Islamic Bank P.J.S.C
Dubai
04.2022 - 03.2025
- Analyze data to identify trends, patterns, and insights that inform business decisions
- Develop and document business process models to illustrate current and future states
- Propose and design technical and process solutions that meet business needs and objectives
- Work with IT and other departments to implement solutions and ensure they align with business goals
- Communicate findings, recommendations, and project updates to stakeholders and executives
- Acting portfolio officer to Conduct regular check-ins and reviews with clients to monitor their financial health.
- Manage and nurture relationships with existing clients remotely.
- Simplified complex data into understandable presentations, facilitating better communication amongst teams.
- Participate in testing and validating new systems and processes to meet business requirements
- Identify opportunities for process improvements and contribute to ongoing optimization efforts
- Manage Client relationships, Identifies and cultivates new clients & creates and delivers presentations for existing and prospective client portfolio
- Produce reports used to drive project status and portfolio review meetings & identify any improvement in existing processes needed to support project/program/portfolio management
- Prepare the presentation for the weekly meetings & monthly meetings with the management
- Ability to develop training material and deliver training on use of project/portfolio management processes/tools
- Work with project and program managers on compliance, templates, best practices
- Implements and maintains the necessary controls and procedures to cost-effectively protect information systems assets from intentional or inadvertent modification, disclosure, or destruction
- Provides guidance and direction for the protection of information systems assets to other areas as needed
- Produced detailed reports to aid in key decision-making processes & ensured accurate documentation of all business requirements, aiding seamless project flow.
- Streamlined business operations by analyzing and implementing process improvements.
- Collaborated with IT team to design efficient software solutions, improving workflow significantly.
- Improved client relationships by addressing and managing their needs effectively & engaged in contract negotiations that resulted in favourable terms for our organization.
- Conducted training sessions for new software implementations, increasing staff productivity levels.
- Conducted market research for the development of strategic business plans & Implemented cost-saving measures through rigorous budget management and careful resource allocation.
- Identified potential risks with thorough business impact analyses & Performed quality assurance tests to ensure product reliability and efficiency before deployment.
MIS Officer & Coordinator Home Finance
Abu Dhabi Islamic Bank
Abu Dhabi
01.2017 - 02.2022
- Update loan files, mortgage software platform and tracking system as necessary
- Pre-Analyze documents, AECB checks, property evaluation and DBR calculation and statement review and submit to credit for the review
- Ensure all required closing documentation is present to schedule closing & Manage mortgage loan officer pipeline schedules and deadline times on all loans & Prepare the Business Proposal if requires
- Support mailings and other marketing projects & Log loan applicants' data into processing software, Update and maintain client data base information
- Quarterly review and Reporting RCSA to identifying risks, tracking incidents, associating loss value, linking them to risks, implementing controls to mitigate risks and report data in specified formats
- Daily Review the Submission to Disbursement case status on Finnone, Passing Sales review, Pass the case to credit team and import the reports for the final dashboard
- Designed custom templates for efficient report generation.
- Provided technical support, ensuring smooth operation of MIS systems.
- Ensured data privacy by enforcing stringent security measures.
- Collaborated with IT department to ensure timely software updates.
- Facilitated decision-making process with accurate statistical reporting.
- Coordinated inter-departmental communication for seamless information flow.
- Monitored and intercepted electronic data transfers, preventing data theft and malware spread.
- Sending Evaluation for the property to evaluators to evaluate the property for the final approval of the loan & Update the Lead on the LMS software for the queries for the lead from the market and prepare the daily follow up and preparing the dashboards for the weekend review
- Preparing the dashboard for the Home Finance MIS Report for the territory with sales submission and disbursement on the monthly basis along with the TAT analysis reports for the credit, legal and operation actions
- Enhanced data integrity by implementing efficient database management techniques.
Centralized Sr. Coordinator & Data Analyst
Finance House Pjsc Abu Dhabi
Abudhabi
02.2015 - 01.2017
- Evaluating clients' credit data and financial statements to determine the degree of risk involved in lending money to them
- Preparing reports about the degree of risk in lending money to clients
- Analyzing client records and using the data to recommend payment plans
- Conferring with credit associations and references to exchange credit information on clients
- Evaluating the financial status of clients by producing financial ratios through computer programs
- Verifying loan applications and including the credit analysis and loan request summaries, then submitting these applications to loan committees for their approval
- Helping supply chain and sales and marketing departments in managing financial orders to help them control credit exposure, make payments on time, and reduce the risk of customer disputes
- Liaised with stakeholders for better understanding of requirements.
- Evaluated performance reports for continuous improvement measures.
- Maintained records, ensuring data accuracy and confidentiality.
- Delegated tasks and reacted to changing workloads to maintain efficient operations.
- Worked actively with management team to create daily and weekly sales plans based on weekly sales trends.
- Established performance goals for employees and provided feedback on methods for reaching those milestones.
- Coordinated hiring, recruitment and training strategies to build successful administrative team.
- Analysed and resolved complex resource management issues for optimised scheduling.
Quality check officer
National Bank Of Abu Dhabi (NBAD)
08.2014 - 02.2015
- Handled sensitive information with discretion and professionalism.
- Worked diligently under pressure whilst preserving high-quality output.
- Performed thorough investigations into reported incidents, leading to accurate record-keeping.
- Collaborated with colleagues for effective teamwork.
- Actively participated in community engagement initiatives fostering good relations between the force and local residents.
- Responded promptly and effectively to emergencies using established protocols.
- Executed assigned duties responsibly thus meeting departmental expectations consistently.
- Facilitated smooth communications between departments for better coordination.
- Improved team efficiency with regular training sessions.
- Maintained impeccable uniform and equipment, representing department professionally in all interactions.
- Coordinated with other area managers for more efficient workflow.
- Assisted HR in the recruitment process, filling vacancies promptly.
Public Relation Officer & Second Signatory
Herz Middle East (SAIF Zone)
07.2012 - 07.2014
- Provided customer service to improve overall visitor experience.
- Liaised closely with external agencies such as social services and housing departments, providing comprehensive support for individuals in need.
- Performed thorough investigations into reported incidents, leading to accurate record-keeping.
- Maintained high standards of personal conduct, contributing to a positive work environment.
- Worked diligently under pressure whilst preserving high-quality output.
- Actively participated in community engagement initiatives fostering good relations between the force and local residents.
- Wrote detailed reports, aiding in case documentation.
- Handled sensitive information with discretion and professionalism.
- Maintained order and security at public events, defusing tense situations proactively.
- Applied critical thinking to analyse problems, evaluate solutions and select best decisions.
Visa processing Officer
Air Arabia (Cozmo Travel)
10.2009 - 06.2012
- Carried out day-to-day duties accurately and efficiently.
- Quickly learned and applied new skills to daily tasks, improving efficiency and productivity.
- Successfully delivered on tasks within tight deadlines.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Used Microsoft Word and other software tools to create documents and clear communications.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Applied positive customer service approach to increase satisfaction levels.
- Oversaw daily operations to achieve high productivity levels.
Education
Bachelor of Business Administration - Business Administartion
Annamalai University
India 07.2006 - 12.2009
Diploma - psychology
Bharat Sevak Samaj
India 04.2010 - 10.2012
Master of Business Administration - Finance
Jaipur University
India 05.2020 - 06.2021
Skills
- Change management tactics
- IT infrastructure insights
- M S Office (MS Word, Excel, PowerPoint, Advanced Excel) Data Analyzing & Presentation in PowerPoint
- CRM, BPM, T24 access, MIS & Online Scan Portal, Credit Risk Bureau Checking Finnone, Flex, AECB Checking System, CRS System, CA Service Desk Management
- Citrix, Risk Online index, Lead Management System, Oracle, SAP ARIBA, BO report, Sage 50 Accounting, Credit Management System,T24 Excellent Customer Service
- Self-Management, Proposal & Document Drafting, Business Analyzing, Document Verification
- Work breakdown structure creation
- Negotiation mastery
- Database design & Time efficiency
- Quality Assurance & Self-motivation
- Customer relationship management
Languages
English
Fluent
Hindi
Advanced
Malayalam
Native
Tamil
Fluent
Arabic
Elementary
Affiliations
- Listening Speeches Travelling & Reading
Accomplishments
Best Performance award received from Business Banking portfolio quality team - Dubai
Islamic Bank P.J.S.C 2023 Q1
Best Performance award received from Business Banking portfolio quality team - Dubai
Islamic Bank P.J.S.C 2022
Best Performance Memento received from Home Finance Dept. -
Abu Dhabi Islamic Bank P.J.S.C
Excellency award from Herz Middle East FZC in 2014
Best Performance Achievement Award for Coordination for Q’4 2017 –
Finance House P.J.S.C
Best Branch Performance Appreciation Memento from Cozmo Travel LLC
Certification
Information Security
Anti-Money Laundering & Counter Terrorism Financing & International Sanction Lists
Foreign Account Tax Compliance Act
Business Writing Skills & Advanced Excel
Data Consolidation & Analysis Using Excel
Dashboard Creation Using Excel
Timeline
Business Banking Portfolio Quality (Business Analyst)
Dubai Islamic Bank P.J.S.C
04.2022 - 03.2025
Master of Business Administration - Finance
Jaipur University
05.2020 - 06.2021
MIS Officer & Coordinator Home Finance
Abu Dhabi Islamic Bank
01.2017 - 02.2022
Centralized Sr. Coordinator & Data Analyst
Finance House Pjsc Abu Dhabi
02.2015 - 01.2017
Quality check officer
National Bank Of Abu Dhabi (NBAD)
08.2014 - 02.2015
Public Relation Officer & Second Signatory
Herz Middle East (SAIF Zone)
07.2012 - 07.2014
Diploma - psychology
Bharat Sevak Samaj
04.2010 - 10.2012
Visa processing Officer
Air Arabia (Cozmo Travel)
10.2009 - 06.2012
Bachelor of Business Administration - Business Administartion
Annamalai University
07.2006 - 12.2009
Information Security
Anti-Money Laundering & Counter Terrorism Financing & International Sanction Lists
Foreign Account Tax Compliance Act
Business Writing Skills & Advanced Excel
Data Consolidation & Analysis Using Excel
Dashboard Creation Using Excel
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