Chief Operating Officer

  • Special recognition from the President of India – for being the First bank to implement e-commerce through RuPay cards

  • Bank was awarded Best Technology Bank for the year 2014-15 by the Federation of Banks, Maharashtra

  • Pioneer in implementing The International Award Winning - Mortgage Companion. This idea was mooted and implemented after considering the market practices and ascertaining the loop holes and flaws in the current offerings to the clients. Abu Dhabi Finance is the only company in the world to have this kind of dedicated relationship manager for each of the client.

  • Merit of having worked on Project ‘Tiger’ for streamlining End to End Mortgage process and eliminating inefficiencies across all the functions.

  • Pioneer in implementing industry wide - Developer Interim Registry inspection to ensure perfection of security

  • Established the team as best and most industrious team in ADF & managed Auto Generation of Loan Offer and associated documentation which reduced the processing time from 6 hours to 1 hour.

  • Received highest number of client compliments (1 in 8 clients and no complaints even as portfolio increases)

  • Significant contribution in Finnone (Core Mortgage System) requirements, scope and implementation.

  • Developed and established various systems, processes for handling high business volumes.

  • Implemented the Risk Frame Work across the functions, conducted cross business wide Operational Risk Assessment.

  • Identified and implemented the accounting systems and processes until establishment of finance function.

  • Provided the functionalities in building and implementation of Contingent system for the entire business

  • Steered the Image Based Clearing for clearing of cheques

  • Introduced automated process for processing loan offers and associated documents (industry first) reducing processing cycle time by 5 hours

  • Reduced operational losses by six times much within original business budgets in the first half of the year

  • Developed systems, processes for handling high business volumes

  • Reduced the TAT by 66% by process re-engineering and robust MIS in Barclays.

  • Developed and defined processes and controls for entire gamut of launch of Abu Dhabi Mortgage Business

  • Implemented various systems and procedures for smooth deliveries. Developed Dubai as the hub for running the international business for the company, introduced system to reduce TOT and made information available to customers regarding their loans in India

  • Established various systems and procedures and controls for handling high volumes of business, reducing the TAT by 50 % (setting of approval limits, escalation routes, authority matrix, etc. For Dubai office of LIC Housing