Summary
Overview
Work History
Education
Skills
Websites
Affiliations
Languages
Blogs
Timeline
Generic
Abid Ansari

Abid Ansari

Summary

To obtain a challenging position in a reputable firm.

Eighteen years of progressive responsible experience within Banking, Auditing, Accounting and Financial services. At present working as “Assistant Manager Credit” at Commercial Bank of Dubai-UAE Seasoned bank lender with demonstrated capabilities of strong quantitative skills include credit structuring and complex financial analysis including fraud risk analysis Diverse Credit approval experience of Corporate, Commercial and SME segment (6yrs+) Worked as a supervisor of Retail Credit & Operation Team (2yrs+) Hands-on experience of Quality Audits, Internal Control & Finance Dept. Assignments (2yrs+) Risk Management skills to manage capital, market and operational risk under Basel Accord standards (2yrs+) Well versed with the principals of Islamic banking and has worked as a Professional Trainer (5yrs+)

Encouraging manager and analytical problem-solver with talents for team building, leading and motivating, as well as excellent customer relations aptitude and relationship-building skills. Proficient in using independent decision-making skills and sound judgment to positively impact company success. Dedicated to applying training, monitoring and morale-building abilities to enhance employee engagement and boost performance.

Overview

17
17
years of professional experience

Work History

Assistant Manager Credit

Commercial Bank of Dubai-Head office
04.2022 - Current
  • Managing largest Dubai Portfolio of about AED 2Bn constitute almost 500 clients handled by the relationship managers with team of 11, this represent 50% of Total Mid-Market portfolio (largest ticket AED 100Mn+)
  • During FY24, I worked on almost 300 clients include 150 isolated requests, 40 NTBs, 60 annual reviews, 50 Enhancements etc. with Total Limits approved were AED 800Mn+ including New Money AED 250Mn+
  • Active participation in launching of new credit lending programs include Asset Backed Lending (ABL) co lending program with Emirates Developing Bank (EDB) and Govt. related Tawazun Program.
  • Got 4 Taqdeer (Code) Awards on Delivery i.e. closing the deals in least possible time to support customers.

Senior Credit Analyst

Commercial Bank of Dubai-Head office
02.2018 - 04.2022
  • Managed Abu Dhabi portfolio of about AED 1Bn constitute of almost 250 clients mainly in to contracting line of business with largest ticket size been AED 100Mn+
  • Got 4 Taqdeer (Code) Awards 1 on ownership and 3 on delivery.

Internal Control and Quality Assurance Officer

Finance House PJSC Co. Head Office—UAE—Group Level
01.2016 - 01.2018
  • Data Integrity, Turnaround Time (TAT) and Finalization of Service Level Agreements (SLAs)
  • Implementation of an effective Internal Control system.
  • Prepared various documents include “How to Assure Quality and Validate Robust Internal Controls “
  • Liaised with Internal Audit Dept. for Audit issues underpinning Quality and issues related to fraud risk
  • Reconciliation of all Nostro, Sundry, Transit, and Intermediary accounts used at Group level.

Retail Credit Officer (Supervisor)

Retail Credit Officer (Supervisor)
12.2013 - 12.2015
  • Deduped Retail Apps via Central bank, Etihad Credit Bureau, Internal blacklisting to minimize lending Risk.
  • Ensured Applications are compliant with updated Retail Lending policy.
  • Developed credit scoring models of Retail product(s) and handled relationship team queries appropriately
  • Managed Team with the Span of Control of 08 individuals.
  • Additional Responsibilities: Trainings / Workshops & Assistance to HOO in FATCA, UAEAWPS, SWIFT etc.

Senior Risk Management Officer

Dubai Islamic Bank Pakistan Ltd
01.2012 - 11.2013
  • Drafted Minimum Capital Requirement (MCR) Report as per Basel-II accord standards.
  • Models for Implementation of Basel-II advance approaches to cater Credit, Market & Operational Risk.
  • Feasibility Report for Implementation of Additional Liquidity Coverage Ratios under Basel-III standards.
  • Internal Capital Adequacy Assessment Process (ICAAP) detailed document.
  • Prepared Models include Value at Risk (VaR) and performed Stress Testing on Capital Adequacy Ratio
  • Participated in Decision-Making process & given suggestions to Senior Management about impact of Advances & Investment Decisions in Capital Adequacy of bank.
  • Additional Responsibilities: “Portfolio and Dashboard Management”

Head of Dept

Mt. Pvt. Services “Head of Dept”
10.2008 - 11.2013
  • Worked in initializing & managing new campuses & programs etc. & act as trainer of HDA, HND, ACCA, ACA(ICAEW), ICM, IAM & other foreign & local university-based graduate & master programs.

Audit Firm as ‘Audit Trainee’

KPMG Pakistan
09.2011 - 12.2011
  • Performed audit related work incl. Test of Controls, Substantive Procedures, gathered Audit Evidence & participated drafting of Audit Report as per Int. Auditing & Accounting Standards (IAS & ISA’s) & covered below clients during period;
  • (1) Habib Metropolitan Bank limited (Head Office)
  • (2) SME Bank Pakistan

Education

ACA-ICAEW Member 2019 -

Institute of Chartered Accountants in England & Wales
United Kingdom
01.2019

FCA 2019 -

Association of Chartered Certified Accountant
United Kingdom
01.2019

FCPA 2021 -

Fellow Certified Public Accountant
Pakistan
01.2021

OBU Mentorship 2015 - undefined

Oxford Brookes University
01.2015

Master’s Degree 2015 -

Masters
Pakistan
01.2015

UAECA-Member 2015 -

United Arab Emirates CA
United Arab Emirates
01.2015

Certified Public Accountant -

CPA
Toronto, NSW
01-2022

Skills

  • Credit & Risk Management
  • Financial & Business Analysis
  • Portfolio Management
  • Internal Control Reviews
  • Operational Policy review
  • Team building
  • Interpersonal Skills
  • Compliance reviews
  • Decision-making
  • Problem-solving
  • Customer relations
  • Staff training and development
  • Workload management
  • Sales growth
  • Team collaboration
  • Computer skills

Affiliations

Institute of Chartered Accountant of England and Wales


Association of Certified Chartered Accountant


Certified Public Accountant

Languages

English, Urdu & Arabic

Blogs

  • Abid Ansari - ACCA (accame.me)
  • Meet Abid Ansari | Student Accountant | Students | ACCA Global
  • Https://instagram.com/p/Be0cAhhZfJ/
  • Events, Initiatives, and Stories from ACCA Pakistan (constantcontact.com)

Timeline

Assistant Manager Credit

Commercial Bank of Dubai-Head office
04.2022 - Current

Senior Credit Analyst

Commercial Bank of Dubai-Head office
02.2018 - 04.2022

Internal Control and Quality Assurance Officer

Finance House PJSC Co. Head Office—UAE—Group Level
01.2016 - 01.2018

Retail Credit Officer (Supervisor)

Retail Credit Officer (Supervisor)
12.2013 - 12.2015

Senior Risk Management Officer

Dubai Islamic Bank Pakistan Ltd
01.2012 - 11.2013

Audit Firm as ‘Audit Trainee’

KPMG Pakistan
09.2011 - 12.2011

Head of Dept

Mt. Pvt. Services “Head of Dept”
10.2008 - 11.2013

OBU Mentorship 2015 - undefined

Oxford Brookes University

ACA-ICAEW Member 2019 -

Institute of Chartered Accountants in England & Wales

FCA 2019 -

Association of Chartered Certified Accountant

FCPA 2021 -

Fellow Certified Public Accountant

Master’s Degree 2015 -

Masters

UAECA-Member 2015 -

United Arab Emirates CA

Certified Public Accountant -

CPA
Abid Ansari