Wasim Khan

Experience

• 

  Valiance House

  Sept 2005 - Jan 2007

  Sr. Marketing Executive

  Department: Fashion wears – Marketing DivisionResponsibilities:• Corporate Sales of Apparels• Corporates meets with Merchandisers & Product Teams of Buying-Houses• Visited Export-Houses for Corporate Orders of Production

• 

  Fullerton India Credit Company Ltd.

  Feb 2007 - Aug 2007

  Relationship Officer

  Department: Personal Loans – Sales DivisionResponsibilities:• Direct Sales of Personal Loans• Acquired New Clients in a designated territory• Credit Evaluation & Contact Point Verification (CPV) of the Customers

• 

  Chintamani Finlease Ltd.

  Sept 2007 - May 2008

  Relationship Manager

  Department: Personal Loans – Sales DivisionResponsibilities:• Managed a Team of 4 Relationship Officers• Direct Sales of Personal Loans• Acquired New Clients in a designated territory• Credit Evaluation & Contact Point Verification (CPV) of the Customers

• 

  Barclays

  Jun 2008 - Apr 2013

  MIS Analyst

  Department: Risk Strategy Control & Governance - Retail Credit From Jan ‘12 to Apr'13Responsibilities:• Weekly impairment forecasting of Unsecured & Secured lending Products• Designing Champion-Challenger strategies for Collection & Recovery• Scrutinize Capacity Planning of Collection & Recovery Units• Monthly portfolio assessment of Unsecured & Secured lending products• Preparing monthly dashboard on Collection & Recovery performance• Monitoring action items of Risk Operating Committee• Conducting & monitoring of Monthly PAR reviews on Forbearance Policy • Daily Performance assessment of Collection & Recovery UnitsDepartment: Strategy & MI Division - Retail Credit From Apr ’10 to Dec ‘11Responsibilities:• Comprehensively analyzed Recovery Portfolio of Credit Cards & Loans • Prepared Cost Accruals for Recovery Unit• Reported Impairment saving for Police Cases filing on Delinquent pool• Prepared Balance Scorecards for Employee Performance Evaluation• Incentive payout preparation for Recovery Unit• Portfolio management of Debt Collection Agencies (Local & Int.)• Prepared Daily Delinquency Dumps (Credit Cards & Loans)• Prepared & Analyzed Daily, Monthly, Quarterly & Yearly MIS for Recovery Unit• Prepared & Analyzed Monthly Recovery Review Deck• Strategic Allocation of Delinquent Customers’ AccountsDepartment: Business Services & Controls - Retail Assets From Jun ‘08 to Mar ‘10Responsibilities:• Daily, Weekly & Monthly Preparation of MIS on Unsecured Loans• Handled Premier Life Account Opening Process• Prepared of Employer Penetration Tracker • Handled Buyout-Loan Process (from 1st trance to 2nd trance disbursal)• Coordinated with Vigilance , Credit Initiation Unit & Operations Departments Show less

• 

  Mashreqbank

  May 2013 - Apr 2015

  Customer Life Cycle / Business Intelligence Analyst

  Work closely with Marketing, Product, Sales, and Business Development, Credit Policy teams to generate insights, solve problems, and inform business by transforming data into knowledge.• Responsible for understanding & illustrating customer trends/opportunity at a granular level by product & channel, translating that insight for senior management to create portfolio / product optimization, effective marketing campaigns and driving the right strategic behaviour to increase customer profitability• Derive insights around customer segments & behaviour to fuel organic growth through improved retention• Work on creating pre & post campaign analysis (through ATL or cross sell campaigns), lead tracking, business insights, Cross-sell framework & Contact Management. Build robust campaign tracking reports & analytical outputs.• CRM Management – create campaigns, track contacts and activities; use stored data to keep current clients engaged while targeting prospective• Responsible for analysing Card Customer Portfolio and provide insight to the product managers on customer behaviour. • Analyse the customers spend trends and recommend cards product managers on conducting suitable campaigns to increase ENR.• Responsible for Balance building activities (Generation of EC/BT/EPP eligible customers), Customer Credit Line Increase/Decrease and Insurance Product.• Creation of reports using BO for product managers according to their requirements.• Liaised with various internal departments (primarily Product Managers, Credit Policy, Operations, Marketing, Channels, and Alternate Channels) for smooth functioning of business.• Responsible for Daily/Weekly/Monthly Dashboards on both Credit and Debit Cards. • Developed Product & Segment Level Portfolio Deck, Acquisition, Attrition and Vintage Dashboard for higher Management.• Automate the daily and monthly Dashboards to improve time efficiency. Show less

• 

  Emirates Islamic

  Apr 2015 - Apr 2023

  • Identify areas of increased credit risk and advise credit policy managers to take appropriate actions.• Build, develop and maintain data models, reporting systems, data automation systems, dashboards and performance metrics to support key business decisions.• Meet with stakeholders, design and build reports and dashboards to address business requirements. • Oversee the design and delivery of reports and insights that analyze business functions and key operations and performance metrics.• Recruit, train, develop and supervise analyst-level employees.• Develop, examine, interpret and report results of analytical initiatives to stakeholders in Risk, Collections, Business and Finance.• Manage the Business Intelligence report requirement for the unit (MSBI, Power BI and SAS).• Ensure necessary data controls and standards are implemented for all regulatory and management reporting.• Provide necessary input for the future demands of initiatives related to system, mentoring, provision budget.• Liaise with IT for all system enhancement projects (related to streamlining and automation of the credit management processes) and provide specification of the requirement of risk- related system functionalities.• Forecast, control and monitor monthly/annual impairment (losses) budget for retail segment.• Provide support on Credit Bureau (AECB - Al Etihad Credit Bureau) customer’ complaints.• Provide data support to scorecard model development and monitor scorecard performance.• Ensure accuracy and timely submission of regulatory reporting to Central Bank. Show less • Responsible for analysing retail portfolio (Credit Cards, Personal Finance, Auto Finance, Home Finance and Small Business) performance on risk indicators and identifying factors leading to impairment (provision) and creating monthly risk reports for higher management. • Develop Retail data repository for quick analysis.• Calculation and forecasting of monthly impairment balances for all Retail products.• Provide support to senior managers in Scorecard Development and monitor scorecard performance on regular basis.• Provide technical support on AECB (Credit Bureau) customer complaints to IT, Collections, Customer Care Departments and Branches. Show less

  • Analytics Manager

    Apr 2017 - Apr 2023

  • Assistant Manager - Retail Policy & Risk Analytics

    Apr 2015 - Mar 2017
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  Dubai Islamic Bank

  Apr 2023 - now

  Manager, Collection Strategy