Slide 1: P .O.Box 36929, Dubai, UAE. About Us |
T/F: +971 4 2825272, E: info@biznrisk.com www.biznrisk.com | | Training & Workshops
Global Financial Crisis checklist:
Revise Target Market definition Credit Policy revamp Tighten Credit Verifications Focus on Analytics & Forecasts Conduct Stress-tests Identify Trigger points Strengthen Collections Train critical resources
ABOUT US
Biz N Risk Management Consultants provide specialized business risks – across Consumer Banks, Finance companies and Real estate developers. Founded by a Consumer Credit and Risk specialist with extensive hands-on experience in managing risks and credit cards, consumer loans and real estate businesses
Based in Dubai and one of its kind in the region, our
At Biz N Risk, we understand and recognise that the business custodians know
Our services will complement the internal business and risk management -
the clients, they can be structured around the along-side typical areas.
Slide 2: Credit Cards Business Solutions
Leveraging the learnings and expertise drawn over complex markets and across different business cycles, Biz N Risk can offer a robust Credit Cards business framework covering policies, processes and indicators across key functional areas of the business to help create a profitable and market leading business. Additionally, Biz N Risk can support the selection, migration and implementation of Core Credit Cards system application, authorisations engine, as well as fraud, collections, credit origination and decision support / analytics applications.
Training, Certification and Workshops
Cross-functional exposure and specialized credit risk training are wish-lists in most consumer lending organisations, due to ‘business as usual’ pressures and lack of specialised training resources. Biz N Risk offers experienced and senior trainers to share consumer credit and risk management concepts and learnings RELEVANT TO GCC, UAE and Indian Subcontinent. With Biz N Risk, consumer lenders now have an opportunity to create dedicated training, certification and workshop solutions imparting the ideal mix of consumer risk management theory in a practical environment. Core areas of coverage will be: • • • • • • • • The Consumer Credit Cycle and its different components Key credit terms, indicators, processes Analytics & loss forecasting techniques The Product Program framework Introduction to scorecards Credit underwriting Collections and Recovery: Procedures, Tools, Systems and MIS Basics of Cards authorizations and fraud
WHY BIZ N RISK ?
• • • • Benchmark your products, policies and procedures to market best practices Leverage our expertise across multiple systems, vendors and similar implementations Release your key resources to focus on business as usual Overcome internal ‘blind spots’
SUSHIL BHATNAGAR, CEO, BIZ N RISK MANAGEMENT CONSULTANTS, P.O.BOX 36929, T: +97150 4567005, sushilb@biznrisk.com
Slide 3: P.O.Box 36929, Dubai, UAE. T/F: +971 4 2825272, sushilb@biznrisk.com
Sushil Bhatnagar, CEO Biz N Risk Management Consultants
BUSINESS, CREDIT AND RISK MANAGEMENT SPECIALIST Consumer Banking and Real Estate. MBA (Mktg & Finance), B.Sc (Stats) CREDIT AND RISK MANAGEMENT: Extensive hands-on experience of over 16 years in International and Regional Banks / Financial Institutions of UAE and India, across all the areas of Consumer Credit and Risk Management - collections, credit policy and analytics, credit underwriting, authorisations and fraud management. Well versed with all consumer loan products - especially Credit Cards, Personal and Auto Loans as well as Mortgages. BUSINESS MANAGEMENT: Successfully executed specific assignments to scale up and turn around businesses across Credit Cards and Real Estate industries. Managed revenue generation, sales and marketing, corporate communications and customer service responsibilites. CHANGE MANAGEMENT: Expertise ranges from turning around portfolio credit problems, resolving a database fraud compromise, enhancing scorecard effectiveness as well as building new and migrating existing businesses: • Key member of the senior management team responsible for the launch and start up of a bank and finance company in UAE IT and SYSTEMS: Well versed with leading Core banking, Credit Card, Loan Origination, Authorisations, Fraud and Collections IT application systems and functionalities. Led various system selections, migrations and implementations for the above systems.
WORK EXPERIENCE
1. DEYAAR DEVELOPMENT, Dubai Director - Marketing, Operations, IT and Risk 2. DUBAI BANK / DUBAI FIRST, Dubai Credit and Risk Director, Retail Banking 3. MASHREQBANK, Dubai Head of Cards Marketing Head of Risk - Cards & ODs 4. CITIBANK, India Manager - Credit Policy & Analytics Credit Officer - Regional Collections
