Jameel Ahmad Khan

Experienced Collection, Remedial & Credit Risk Professional with expertise in Risk Strategies, Risk Systems, Credit Portfolio Analytics, MIS automation & Digital Transformation of Credit Risk function for Retail and Corporate/SME customers with an objective to ensure Credit Losses and delinquencies are under control and within budgets for sustained profitability and stability in the asset portfolio through the deployment of appropriate Risk management strategies, robust systems/tools, MIS and analytics with cost efficiencies in line with the required industry standards. Key Functional Expertise  Expertise in management of end-to-end strategic solution for Credit Risk, Collections, Remedial, and Recovery systems under the Risk Management department.  Expertise in process re-engineering and optimization of processes by providing digital solutions to reduce the turnaround time in customer journey from LOS, LMS and Collection/Recovery phase with improved customer satisfaction.  Development, presentation & automation of monthly & ad-hoc Management Information reports to senior management to highlight statistics related to portfolio performance, early warning indicators for key risk indicators,  Implementing Risk Acceptance Criteria (RAC) in technical systems through SDLC & Agile process by reviewing and approving the Business Requirements specification documents, design documents, performing SIT and UAT testing to release in production with minimum possible downtime of systems.  Provide analytical support to Risk Management Units, Policy/Product heads on each product's performance to complete the loop for policy /scorecard enhancement, recalibration, and development.  Guides Collection, Recovery & Remedial Departments and act as subject matter expert (for Secured and Unsecured Retail asset products – Credit cards, Personal loans, Mortgage loans & Auto lease) strategies, policies, and processes for Collections, Recovery, and Remedial management.  Build and deploy a robust collection & remedial infrastructure that includes collections system, analytical and risk scoring applications for optimum allocation, MIS pack, well-defined processes for all underlying collection tools, agency management and review mechanism, litigation process and arrangements, asset repossession, storage, maintenance and liquidation of assets.  Development and monitoring/enhancement of risk-based collection incentive policy regularly to achieve delinquency and NPL targets set by the senior management.