Ammar Baidas

Establish corporate goals, prepare budgets & phase-wise investment. Develop business plans for the achievement of stated goals of the company and develop market opportunities, recommending product specific changes based on the identified new market segments. Manage and supervise entire aspects of report development and distribution by conducting research & analysis of business situations and framework solutions for key issues Conceptualize and implement competent marketing strategies with a view to penetrate into new accounts and expand the existing ones Develop and coordinate sales and marketing efforts for loan products and solicit, manage and develop loan products Provide value added feedback on industry benchmarking, competitive landscape, trends and environment to the senior management Handle retail banking activities Direct the cross-selling functions of the banking products and marketing the fee based products to existing customers to enhance product portfolio Plan and direct portfolio analysis, risk modelling and loss prevention programs Spearhead and manage complex credit risk initiatives in Credit risk management methodologies and processes Monitor, measure and assess actual credit performance against risk management standards and systems to ensure adherence to Bank’s risk management policies and procedures Direct the evaluation, development and/or enhancement of credit policies Handle credit assignments within the required TAT to support aggressive volume targets while maintaining credit quality of the portfolio Devise and implement strategies to mitigate credit exposure for appropriate risk/reward relationships while supporting sales efforts to develop and expand high-quality, high growth revenue streams

Set up the Auto loan Business and built a book of 2 billion SR. Created New Customer Acquisition Strategy for the attracting new to the bank customers for increasing personal loan portfolio. Delivered consistently the targeted bottom-line. Created non salary assigned portfolio for auto loans which was a major shift from the salary assigned portfolio which the bank was accustomed to fund. Created a best in class product for self-employed business. Created the basic product manual for Housing loan and obtained Shariah, Risk approvals for the product. Actively involved in setting up of the Loan Origination System for Auto loans. Currently involved in designing a CRM based Loan Origination System for all loan Products. Redesigned the collection process and improved the recovery rates w.r.t to 30 dpd. Focused on value added customer service and reduced the complaint levels.

Designed the credit Policy for Auto Loans for the Kingdom of Saudi Arabia Identified Key Risk Parameters involved in auto loan portfolio and devised adequate risk mitigants, Created a Portfolio of 200 Million SR with very low delinquencies. Built up process for penetrating the self-employedmarket. Created Structures for Selling Through Dealers.

Part of the team that worked out the operational process for doing mortgage and personal processing. Helped in creating process efficiency Ability to handle large volume of transactions