Aliya Khan
Dubai,07
Summary
Seeking a challenging position in a reputed organization that offers growth opportunities in a dynamic environment, allowing for the optimal use of my strengths and skills, while fostering continuous learning and development.
Finance professional with 17+ years of experience in the banking industry. Proven expertise in the following areas:
- Credit Card Sales and Retention
- Customer Service
- Complaints Management and Resolutions
- Proficient in Insurance Claim Management for Cards and Loans
- Collections & Recoveries of Delinquent Portfolio - Credit Initiation & Compliance
Overview
27
27
years of professional experience
Work History
Senior Credit Evaluator (Mortgages) – Retail Portfolio
Mashreq Bank PJSC
09.2013 - Current
- Analyze and process retail lending product mortgage applications within stipulated TAT
- Implement front-end automation of credit processes for improved customer experience
- Ensure consistent application of credit policy and collateral compliance, maintaining a 0% processing error rate
- Conduct property valuations, run credit checks, and escalate suspicious activities
- Develop and train new team members, maintain KPI reports, and recommend operational improvements.
Collections & Recovery Officer – Retail Portfolio
Mashreq Bank PJSC
01.2009 - 08.2013
- Manage delinquent portfolios for credit cards, personal loans, and auto loans
- Conduct outbound calling, negotiate payments, and monitor customer payment trends
- Handle customer complaints, insurance claims, and end-of-service benefit cases
- Ensure speedy resolution of queries to maximize client satisfaction.
Personal Banking Officer (Telesales) - Retail Products
Mashreq Bank PJSC
11.2007 - 12.2009
- Promote and sell Mashreq credit cards and retail products through telesales
- Achieve monthly sales targets and provide customer services
- Train new team members, assist the Team Leader in monthly reports.
Front Office Receptionist cum Secretary
B.I. English School
02.2000 - 05.2001
- Manage all communications and coordinate with school authorities
- Review and analyze applications, interact with parents, and assist in account finalization.
Sales & Service Officer – Branch Management
Global Trust Bank, Hyderabad
06.1998 - 07.1999
- Manage daily walk-in customers, troubleshoot customer issues, and achieve monthly selling targets
- Handle customer complaints, provide complete customer services, and maintain customer relationships.
Front Office Executive cum Receptionist
Venkat Pharma LTD., Hyderabad
06.1997 - 06.1998
- Manage incoming and outgoing correspondence
- Interact with international visitors and coordinate meetings with managers
- Answer telephonic queries.
Education
Bachelor of Science - Science
Osmania University
IndiaSkills
- Project Evaluation
- Data Interpretation
- Analytical Reasoning
- Performance Assessment
- Decision-Making
- Customer Relationship Management
- Workload Management
- Training and Coaching
- Performance monitoring
- Data analysis
Languages
English, Hindi, Telugu, Urdu, (Written-Arabic)
Career Achievements
- Best Sales contribution award for underwriting FY 2017
- Best Performer Mortgage Underwriting FY Dec. 2015-June 2016.
- Winner of the Credit Cards Summer Challenge Award- 2008 at Mashreq Bank.
- Top collector 2009 Cards (Bucket1).
- Best Support staff 2010.
- Best Support Staff 2012.
- Star of the month for three times in Global Trust Bank, Hyderabad.
- Best Employee of the Month, at Venkat Pharma, Hyderabad.
Personal Information
- Date of Birth: 07/23/1977
- Gender: Female
- Nationality: Indian
- Driving License: Valid UAE Driving license
- Marital Status: Married
- Visa Status: Residence
Training
- Fraud Awareness
- Anti-Money laundering
- MCP Collections
- Sharjah & Islamic Banking
- Fundamentals of Banking
- Customer Focus Workshop
- 4 C’s
References
Available on Request
Timeline
Senior Credit Evaluator (Mortgages) – Retail Portfolio
Mashreq Bank PJSC
09.2013 - Current
Collections & Recovery Officer – Retail Portfolio
Mashreq Bank PJSC
01.2009 - 08.2013
Personal Banking Officer (Telesales) - Retail Products
Mashreq Bank PJSC
11.2007 - 12.2009
Front Office Receptionist cum Secretary
B.I. English School
02.2000 - 05.2001
Sales & Service Officer – Branch Management
Global Trust Bank, Hyderabad
06.1998 - 07.1999
Front Office Executive cum Receptionist
Venkat Pharma LTD., Hyderabad
06.1997 - 06.1998
Bachelor of Science - Science
Osmania University
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