AHMED DOUGLAS

Credit & Risk Operations Professional

Profile summary

Career highlights

Key skills

Professional experience

Shaped market conduct examination strategy, steering supervision scope across financial institutions to assess financial soundness and compliance with CBUAE requirements.

• •Analyzed data from regulated entities using risk models and reference materials to identify areas of concern and review data quality, accuracy, and validity.
• •Maintained current knowledge of banking and financial regulations alongside relevant practices from international organizations.
• •Performed offsite analysis based on data submitted by financial institutions, assessing performance, compliance, and major risk areas.
• •Reported cases of non-compliance and recommended special examinations based on misconduct findings, alongside monitoring corrective actions.
• •Recommended appropriate sanctions and disciplinary measures in addressing cases of non-adherence.

Defined retail credit underwriting strategy, directing secured lending operations and Islamic financing structures while aligning portfolio execution with regulatory standards and internal policy mandates. Managed delegated approval limits and collaborated with credit administration teams to maintain loan stability across retail accounts.

• •Directed Islamic financing restructures and amendments, ensuring compliance with Sharia guidelines while facilitating document handling and mortgage processing.
• •Achieved a 95% compliance rate in secured credit applications, mitigating risk exposure through strict adherence to policy.
• •Introduced a streamlined mortgage approval process, reducing TAT by 30%.

Oversaw Islamic finance administration, escrow accounts, and project records while monitoring workflows, cash flow adherence, and loan repayments to maintain delinquency reporting.

• •Administered Islamic finance applications, escrow accounts, and project records to ensure full compliance with disbursement and security protocols.
• •Built a reporting system that improved transparency and accountability in project financing while providing insights to senior management.
• •Reduced overdue accounts by implementing rigorous monitoring and follow-up processes.

Steered collection strategy and recovery processes across the portfolio, coordinating default escalations with legal departments and producing MIS performance reports.

• •Exceeded collection targets by 15% year-over-year through strategic recovery improvements.
• •Established a streamlined workflow for delinquent notices, expediting the recovery timeline.

• •Achieved top performance in recovery among peers, recording a 25% higher resolution rate on delinquent cases.
• •Reduced defaulted loan losses by 18% through negotiation and rescheduling initiatives.

• •Analyzed regulated entity data through risk models to identify areas of concern and review data quality.
• •Reported cases of non-compliance and recommended special examinations based on misconduct findings.

• •Managed secured credit underwriting for retail clients, aligning credit approvals with bank policies and regulatory requirements.
• •Exercised delegated authority to approve facilities within established limits.

Education

Finance and Banking

Languages