Subiya Anees
Dubai
Summary
Result driven Senior Banking executive with over 25 years of experience in Corporate Credit and Relationship Management across local and MNC banks in UAE. Outstanding track record of developing and building new lines of business with extensive experience in Strategy, Senior Client Engagement and in Managing stakeholders. Highly knowledgeable across Relationship Management, Credit Analysis & Structuring, Trade Finance, Risk Management, Regulatory requirements, with proven track record of achieving Asset booking and Annual P&L of AED 50M+. Adept at business optimization able to accurately identify opportunities to enhance efficiency, streamline processes and maximize profitability. Possess technical expertise for analyzing business, strong credit risk management, credit structuring and have a data driven and market research approach to business development and deal selection. Built a strong rapport based on trust with clients, coworkers and senior management to achieve results and work closely with trading desks, analysts, marketing and all stakeholders viz legal, compliance etc to conclude deals and optimize return on portfolio for the bank.
Overview
27
27
years of professional experience
Work History
SVP – Head of Corporate Banking GRE & LLC
National Bank of Ras Al Khaimah
2022.07 - Current
- Manage SRMs, ARMs and ROs to build a remunerative Corporate and Structured finance portfolio for Corporate Banking
- Assigned a mandate to build a portfolio from a zero base in the Large Corporate and GRE segment; have built, and am responsible for the largest asset portfolio in corporate banking representing over 50% of the wholesale book
- (AED 10Bn+ in aggregate Approved Credit Limits and Income of AED 300M+ since inception)
- Client base ranges across a diverse industry segment, including Airlines, Real Estate developers, Hospitality Conglomerates, Large Retail Chains, Aviation, Sovereign wealth funds, Oil & Gas etc
- Many Firsts achieved: First syndicated transaction, First Club deal (Construction Finance), First Club Deal for a Large Regional Corporate, First Aircraft finance transaction, Largest bilateral transactions for UAE local and regional businesses
- Primary responsibility for presenting and defending all credit proposals at Manco as well as Board Credit Committees which comprises the senior most level of decision makers in the bank
Unit Head – Wholesale Banking
National Bank of Ras Al Khaimah
2016.01 - 2022.06
- Led the bank's foray into Large Corporate banking, establishing key contacts and setting up a team to deliver the ambitious plan by onboarding key Large Corp names for the bank
- Optimized the portfolio through proper deal selection of bilateral and syndicated deals to maximize portfolio profitability
- Built an asset base of over AED 1bn in the first year of the bank commencing Large Corp Banking and rapidly grew it further to AED 4bn + within 5 years
Team Leader – Commercial Banking
National Bank of Ras Al Khaimah
2013.09 - 2015.12
- Set up Team to Build a Commercial Banking portfolio for the bank focused on Working Capital lines, starting from a zero base
- Built a well diversified, profitable asset book of AED 250+ plus within 2 years
- Set performance expectations for the team, monitoring progress towards goals and providing constructive feedback
Sr Manager Corporate Banking
HSBC Bank Middle East Limited
2007.07 - 2013.09
- Company Overview: Dubai UAE
- Built and Managed a large and challenging portfolio of largely MME accounts aggregating AED 1bn + in assets focused on cross border trade and manufacturing across diverse industries – petrochemical affiliates, general commodities, foodstuff, IT and retail
- Improved structuring on overall portfolio and used a balanced pre & post sale financing model to achieve portfolio growth and book new relationships
- Implemented cash pool structure, cross border accounts as well as improved security structures on a number of relationships to cover debtor/country/succession risks and balance risk/reward
- Successfully managed to restructure limits on a relationship under remedial management resulting in reduced outstanding by 89% in 10 months
- Took on additional responsibilities of training and mentoring local talent
- Dubai UAE
Manager Precious Metal Unit - Corporate Banking Unit
National Bank of Fujairah
2005.11 - 2007.07
- Company Overview: Dubai, UAE
- Responsible for the overall precious metals business of the bank
- Total portfolio comprised 30+ industry names of which 11 of the largest relationships were directly assigned to me
- Introduced new products to maximize portfolio revenue
- Dubai, UAE
AVP – Trade Finance, Commercial Banking Group
MashreqBank Psc
1997.09 - 2005.10
- Company Overview: Dubai, U.A.E
- Managed a portfolio of 20+ accounts aggregating AED 250M+ in assets largely focused on Trade and Working Capital
- Fully backed up the relationships directly assigned to the Unit Manager
- Dubai, U.A.E
Education
Master in Business Administration - International Business
UOWD
DubaiBachelor of Commerce (Hons.) -
AMU
Skills
- Business Development
- Revenue Optimization
- Strategic Leadership
- Key Stakeholder Management
- Risk Management
- Policies and Procedures
- Operational Excellence
- KPI Tracking
- Cross Functional Collaboration
- Digital Transformation
Accomplishments
- Led the bank's foray into Large Corporate banking providing strategic direction, establishing key contacts and setting up a team to deliver the ambitious transition plan. Onboarded business aggregating AED 10Bn+ with no NCL and delivered aggregate revenue of AED 300M+ in the last 7 yrs of having commenced the Corporate banking business.
- Built a diverse portfolio of Corporate and GRE clients across various industries in Dubai and Abu Dhabi. This large portfolio was built from a zero base, through a combination of bilateral deals, participation in Syndicated Debt (both Primary & Secondary) and Club Deals for Govt Related entities and Large Corporates – Local as well as Regional businesses.
- Introduced new lines of business (Syndicated deals in Aviation finance, NBFIs, Project finance), streamlining various related processes to deliver high quality outcomes.
- Consistently met financial targets over my tenure and lead the top performing team at Wholesale banking.
Personal Information
- Nationality: Indian
- Visa Status: Golden Visa
Timeline
SVP – Head of Corporate Banking GRE & LLC
National Bank of Ras Al Khaimah
2022.07 - Current
Unit Head – Wholesale Banking
National Bank of Ras Al Khaimah
2016.01 - 2022.06
Team Leader – Commercial Banking
National Bank of Ras Al Khaimah
2013.09 - 2015.12
Sr Manager Corporate Banking
HSBC Bank Middle East Limited
2007.07 - 2013.09
Manager Precious Metal Unit - Corporate Banking Unit
National Bank of Fujairah
2005.11 - 2007.07
AVP – Trade Finance, Commercial Banking Group
MashreqBank Psc
1997.09 - 2005.10
Master in Business Administration - International Business
UOWD
Bachelor of Commerce (Hons.) -
AMU
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