VIKRAM AHLAWAT
Address: Riyadh, Kingdom of Saudi Arabia
Email: vikramahlawats@gmail.com | vikramahlawat@hotmail.com Cell: +966 54 856 7470
PROFILE SNAPSHOT
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Seasoned Banking Professional with a successful career spanning 14+ years across India and Middle East with banking leaders
such as Al Rajhi Bank, Standard Chartered Bank, Citibank, HDFC Limited and career graph spanning over Credit Risk & Business
verticals. Possess an undisputed 12 years of Credit / Risk / Underwriting experience in multi-markets coupled with Product
experience which enhanced my overall skill-set & professional personality.
Presently assigned at Kingdom of Saudi Arabia with Al Rajhi Bank as the Business Head – Personal Finance & previously as
Assistant Business Head – Mortgage Business.
Possessing Global Competency with Al Rajhi Bank at Riyadh (KSA) and Standard Chartered Bank at India & Dubai (UAE).
Experience entails: Secured & Unsecured Lending - Mortgage & Personal Finance, Credit Review & Underwriting, Risk
Management, Process Management & Re-engineering, Operational Excellence, Operational Risk & Controls Management, Profit
Center Management, Product Management, Portfolio Management, Business Strategy and Real Estate.
Track record of being escalated in organisation structure hierarchy within 6 months, having taken initiatives to encourage
means to increase market share, ensuring maximum revenue generation, developing and innovating products.
Qualifications include Post Graduate Diploma in Business Management PGDBM (MBA) [Finance], Master of Finance and Control
(MFC), and Bachelor of Commerce.
CORE COMPETENCIES
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Retail Banking - Secured & Unsecured Lending
Mortgage Lending - Islamic & Conventional
Personal Finance Lending
Credit Appraisals - Review & Underwriting
Financial & Risk Analysis
Process Management & Operational Excellence
Operational Risk - Audit, Risk & Control
Product Management
Profit Center Management
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Portfolio Management
New Business/Product Initiatives
Business Strategy & Planning
Analytical & Structuring Skills
Credit & Business Acumen
Cross Functional
Global Competency
Strategic perspective
Real Estate – Legal & Technical Appraisals
PERSONALITY TRAITS
Versatile (adaptable, resourceful, flexible, multipurpose) ~ Perfectionist ~ Ambitious ~ Conscientious ~ Meticulous ~ Imaginative
(creative) ~ Eye for Detail ~ Gregarious ~ Optimistic ~ Leadership Skills ~ Emotion Management ~ Stress Management ~
Persistence & Perseverance ~ Time Management ~ Mentoring & Coaching Skills ~ Communication & Organizing Skills ~
Interpersonal Relationship Skills ~ Negotiation Skills ~ Ready to Accept & Learn from Criticism
CAREER HISTORY
AL RAJHI BANK, Riyadh, Kingdom of Saudi Arabia
Career Progression:
 Business Head - Personal Finance (May 2012 onwards)
 Assistant Business Head – Mortgage (Nov 2011 to Apr 2012)
Company Profile:
Al Rajhi Bank is a 50 years old Saudi Arabian Bank, one of the largest Islamic Bank of the world in terms of total assets, and an
undisputed market leader. It was formed in 1957 and has been honored with Best Bank Awards on many occasions.
Responsibilities as Business Head – Personal Finance:
 Report to AGM-Consumer Assets Business and manage team of 6 staff (Hierarchy: CEO > GM > AGM).
 Ensure dominance of the Business in Market Leadership.
 Manage the Personal Finance business group comprising of Product management, Business Projects & Initiatives, New
Product Innovations & Cross Selling.
 Profit Center Management – Budgeting, Revenue, Yield, Pricing Strategy & Fee Structure (Liaison with Treasury & Finance).
 Portfolio Management – Responsible to build Quality Portfolio, KPI Dashboard, Business Intelligence, Business Performance
& Top Management reporting.
 Carry out Business Plans, Product Programs & Test Programs & ensure Credit Risk Management as per Bank’s Risk Appetite.
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Responsible for Business Credit Risk Management, Operational Excellence, Policy & Procedures, Regulator’s norms &
implementation / change.
Business Technology Management – Lending platform business owner, System enhancement / development, Business
requirements / changes, User Acceptance Testing Management.
Supervise Business & Market Development and carry out Market Intelligence.
Plan Brand building & Marketing Management.
Monitor Marketing, Business Communications and leverage bank’s E-platform.
Manage coordination between Consultancies (Islamic Regulations), Credit, Policy, Collections, Legal, Compliance, Audit, and
Customer Service.
People Management – Lead the team and ensure Hiring, Training, Coaching, Employee Retention, Motivation and
Performance Management.
Responsibilities as Assistant Business Head - Mortgage:
 Reported to Business Head – Mortgage and managed a staff of 4.
 Managed the overall Mortgage Business of Al Rajhi Bank.
 Planned the Business Strategies & Budgeting.
 Product Management & Structuring, Innovations, Business Plans & Product Program.
 Portfolio Management - Business KPI Dashboard Management, Portfolio Indicators (Credit, Risk, Collections), Business
Performance Review Presentation & Plan.
 Conducted Profit Center Management – Revenue, Pricing, Yield, Fees & Special Event Offers.
 Policy & Procedures Management (Product, Policy, Risk, Operations, Collections)
 Took part in Business & Market Development.
 Supervised Marketing, Business Communications, Branding & Real Estate Exhibitions.
 Developed Market Intelligence.
 Ensured compliance with Central bank’s regulations & procedures, Risk Management & Audit.
 Oversaw the coordination of Consultancy (Islamic Regulations), Credit, Policy, Collections, Legal & Compliance, and
Customer Service.
 Participated in Business Technology Management - Lending Platform Enhancement & Business Requirements.
 People Management
Accomplishments:
 Escalated to the position of Business Head from Assistant Business Head within 6 months along with product shift from
Secured Lending (Mortgages) to Unsecured Lending (Personal Finance), Where Personal Finance is the leading product in
the Consumer Assets Business of the bank.
 Displayed Leadership & Business Strategy skills combined with fast track & result oriented changes brought about to the
Mortgage business line.
 Added & enhanced the existing products and focus on new Business Acquisition Mode.
 Maintained updated knowledge of market intelligence & competition strategies.
 Generated more stress & focus on Product & Marketing Innovations.
 Took initiatives to increase the market share and outshine even within stiff competition.
 Ensured maximum revenue generation in 2012 through Retail Business of Personal Finance.
 Developed and innovated products by adding and enhancing mortgage products.
 Conducted GAP analysis of the entire business model & recommended changes to the senior management covering
acquisition, credit, operations & customer service.
 Team member on product participation for Real Estate Development Fund alliance.
STANDARD CHARTERED BANK, India & Dubai, UAE
Career Progression:
 Head – Operational Risk & Process Management - Credit & Collections, Consumer Banking Group (Retail) at Dubai - UAE
(Apr 2010 to June 2011)
 Head – Credit Underwriting, Mortgage Business at Dubai – UAE (Sept 2007 to Mar 2010)
 Area Credit Manager - Mortgage Business at Delhi – India (Nov 2004 to Aug 2007)
Company Profile:
Standard Chartered Bank is a dominant player within the Banking industry of Asia, Africa and the Middle-East.
Responsibilities as Head – Operational Risk & Process Management:
 Reported to Country Credit Head and managed a staff of 4.
 Managed the Consumer Bank Credit & Collections - Operational Risk for Retail Products including Auto, Mortgage, Personal
Loan, Credit Card, SME & Wealth Management products.
 Handled Operational Risk, Risk Governance & Controls, Risk & Self Assessments, Credit Risk, Audit, Process Management,
Operational Excellence, Compliance, Quality Assurance, and People Management.
Responsibilities as Head – Credit Underwriting, Mortgage Business:
 Reported to Country Credit Head and managed a team of 5.
 Handled end to end Mortgage Credit Assessments & Underwriting for UAE.
 Introduced underlying Policy, Procedures & Controls – worked closely with Product & Policy verticals.
 Managed a Team of Credit Managers and Analysts & Ensure Lending within Bank’s Risk Appetite & Policy Procedures.
 Conducted Credit Assessments & Administration, Underwriting & Credit Approvals within the Delegation Authority.
 Conducted Market Intelligence, Performed Analytical & Structuring Complex & Large Ticket Deals.
 Customer Meetings & Interviews on Large & Structured Deals in order to have better understanding of the Client &
Business.
 Detailed Financial & Lending Risk Analysis, Monitored Policy / Portfolio Growth & Recommendations of suitable changes to
the Product line in correspondence to Portfolio Performance & Market Dynamics.
 Ensured Operational Excellence including Re-engineering of entire Mortgage Policy & Procedure set up at UAE.
 Ensured Compliance with Central bank’s Policy, Procedures & Reporting and embedding new Provisions & Regulations.
 Managed Real Estate including Developers, Legal & Technical appraisals.
 Conducted Process & TAT management, Collected KPI including Portfolio Health, Debt-Restructuring Strategy.
 Monitored Cross Function Management including Product, Policy, Sales, Risk, Collections and Legal matters and Establishing
SLA between functions to manage the Bank Objective & Customer Expectations / Experience.
 Performed Budgeting & Cost Management, Vendor Management, Audit and Control Management.
 People Management, Productivity & Reward Management, Coaching & Mentoring, Build Motivational Culture &
Environment.
 Build Regular & Mandatory Training Schedules for the Credit Managers & Analysts in order to improve & enhance Core
Credit Skills & Banking knowledge.
 Worked in close proximity with the Senior Management.
Responsibilities as Area Credit Manager - Mortgage Business:
 Supervised the area of Mortgage Credit.
 Managed the Team of Credit Managers.
 Handled Credit Administration & Underwriting.
 Monitored Mortgage Lending Appraisals & Approvals (Equity lending / Home Finance).
 Conducted Customer Meetings & Interviews (Structuring complex & high ticket lending).
 Performed Cross Function Management (Product, Policy, Sales, Collections, Legal).
 Carried out Real Estate Management including Legal & Technical appraisals.
 Supervised Process & Cost Management like TAT, Budgeting, and Capacity planning.
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Oversaw Vendor Management (Legal / Technical / Verification).
 Ensured Audit & Compliance adherence
 Handled People Management.
Accomplishments:
 Managed a much higher & critical responsibility & authority of Operational Risk (Credit & Risk) for all Retail Products
(Mortgage, Auto, and Personal Finance & Credit Cards), SME, and Wealth Management & Collections.
 Enhanced Personal knowledge on various other products during the stint of Group Audit for entire Credit & Collections.
 Recommended for taking up the bigger role for Mortgage Credit at Standard Chartered Bank, Dubai, UAE.
 Transferred from StanC India to StanC UAE to scale up the Credit Underwriting shop at UAE and Re-engineer the existing
set-up end-to-end.
 Recommended to move to UAE market and utilize all experience & skills to manage & scale up the existing set up, with my
Product & Credit Risk knowledge / experience.
 Conducted GAP Analysis of Credit Risk on joining StanC UAE, brought about changes to the procedures, and put in requisite
controls in place relating to the Mortgage Credit Underwriting.
 Provided recommendations regarding the existing Mortgage policy to senior management.
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Identified to run the Mortgage Credit for UAE with overall knowledge, skill and experience.
Led the Mortgage Credit team to be awarded for the "Best Underwriting Team" and "Best TAT & Process Excellence Team"
in the entire StanC group.
PREVIOUS ASSIGNMENTS:
CITIBANK N.A., India
Designation: Credit Manager - Mortgage Business (Sept 2003 to Oct 2004)
Responsibilities:
Reported to Regional Credit Head Managed start-up of Mortgage Business at new location (Chandigarh) Set up Credit
Administration Handled Credit Underwriting & Decisions Conducted Customer Meeting & Interviews Monitored Loan
Structuring & Lending Assessment
Participated in Business Development Conducted Product Training Handled CPA
Management and Vendor Management (Legal, Technical & Verifications)
HDFC LIMITED, India
Company Profile:
Housing Development Finance Corporation Limited (HDFC) is India's largest mortgage company founded in 1977 and sustains
being a pioneer and leader in housing finance in India.
Designation: Manager - Credit (Sept 2000 to Aug 2003)
Responsibilities:
~ Reported to Deputy General Manager (North) ~ Conducted Home Loans & Equity Loans Credit Appraisals ~ Interviewed
Customers ~ Assessed Lending Risk ~ Performed Property Legal & Technical Appraisals ~ Developed Business (Corporate /
Developer Tie-ups) ~ Handled Collections ~ Provided Customer Service ~ Undertake extensive Home Finance training
program at company’s training centre in India covering all aspects of home finance business.
HOMETRUST HOUSING FINANCE CO. LTD., (HDFC Ltd. subsidiary), India
Designation: Management Trainee (May 1999 to Aug 2000)
Responsibilities:
~ Reported to Location Head ~ Performed Appraisal of Home Loans ~ Interviewed Customers ~ Conducted Property Legal &
Technical Appraisals ~ Carried out Transaction Processing ~ Handled Loan Disbursements ~ Managed Property Documents ~
Supervised Operations (Accounts Receivable Management).
ACADEMIC CREDENTIALS
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Post Graduate Diploma in Business Management PGDBM (MBA in Finance) ~ 2 Year Full Time Post Graduate Programme ~
Group Usha's Institute for Integrated Learning in Management (IILM), Lodhi Road, New Delhi, India ~ 1999
Master of Finance and Control (MFC) ~ 2 Year Post Graduate University Degree Course ~ Panjab University, Chandigarh,
India ~ 1999
Bachelor of Commerce (B.Com) ~ Government College for Men, Chandigarh, Panjab University, Chandigarh, India ~ 1996
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Date of Birth
Languages Known
Marital Status
Nationality
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PERSONAL PARTICULARS
: 20th May, 1975
: English, Hindi
: Married
: Indian
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