Vinod Thomas
Manama,Bahrain
Summary
Dedicated Banking professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Enthusiastic Operations Head eager to contribute to team success through hard work, attention to detail and excellent organizational skills. Motivated to learn, grow and excel in Banking.
Overview
26
26
years of professional experience
Work History
Head of Operations and Credit Administration
United Company for Financial Services
Al Khobar, Eastern Province
11.2018 - 02.2022
- Transforming digital experience, focusing on customer needs.
- Continuous monitoring of digital platform to improve customer experience by suggesting changes required.
- Created plans and communicated deadlines to complete projects on time.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Drove operational improvements which resulted in savings and improved profit margins.
- Prepared annual budgets with controls to prevent overages.
- Implemented process improvement to shape organizational culture, optimize procedures for higher efficiency and help company evolve and grow.
- Reduced process bottlenecks by training and coaching employees on practices, procedures and performance strategies.
Head of Fraud Control and Authorization
Dunia Finance LLC
Dubai, United Arab Emirates
10.2016 - 09.2018
- Responsible for enhancing the Fraud Management System for detection & prevention of application frauds for retail banking assets (credit cards and loans)
- Instrumental in implementation of upgraded velocity parameters by product, merchant, for day and month to enhance early warning system to identify potential frauds and take proactive measures in minimizing losses.
- Undertake investigation of fraud related cases and submit finding to committee for action. Review of risk involved in various processes and recommendation of enhanced processes to reduce and circumvent risk in process.
- Senior review of delinquent accounts with high outstanding to underwrite eligibility of customer to be restructured.
- Senior review of delinquent and written off accounts for recommending settlement based on repayment performance and present ability of customer
Liability Operations Head
Dunia Finance LLC
Dubi, United Arab Emirates
11.2008 - 10.2015
- Monitor daily operational activities to ensure smooth processing, and supervise execution of daily tasks
- Address all customer queries/request and ensure servicing of customer request meets company standards.
- Delegate duties to various team members, providing them specific tasks to accomplish for successful completion of operation activity
- Carry out assessment of activities performed by staff and evaluate transaction reports and accounts reconciliations for accuracy
- Ensure policies and procedures of company are followed correctly to avoid risks; and also ensure professional standard being maintained by staff members.
- Ensure client data is protected from public and secured against fraud by enforcing access rights and verification levels.
- Collaborate with heads of other units to develop best practices for successful banking operations.
- Collaborated cross-functionally to refine procedures, devise best practices and enforce quality metrics.
- Subject Matter Expert of Cards Platform Hi Tech Payment System with detailed knowledge of system function and parameters
Manager Operations
Dunia Finance LLC
Dubai, United Arab Emirates
09.2007 - 10.2008
- Key person responsible for End to End testing and implementation of Credit card Platform for Dunia.
- Extensively involved in coordinating on system requirement with product team and delivery of requirement from partner (HPS). Preparation and execution of test scenarios based on system requirement and preparation of system for production
- Responsible for setting up work flow process for banking operations, and training of staff.
Deputy Manager
Citigroup Global Services Ltd
Chennai, India
02.2001 - 09.2007
- Responsible for cards settlement and chargeback for Citibank across ASPAC and Middle East managing team.
- Instrumental in migrating Debit Card and Credit Card settlements process with Mastercard and Visa Association from various countries
- Lead team involved in testing for system migration of various branches of Citibank.
- Kicked off settlement standardization project with intent to automate settlement and reconciliation function for credit and Debit cards.
- Introduced new methods, practices and systems to reduce turnaround time
Junior Executive
Integrated Finance Company Ltd
Chennai, India
06.1994 - 01.2001
- Part of Internal audit team involved in auditing of 14 branches and Head office.
- IN charge of stock reporting to consortium of banks and preparation of cash flow in finance department
- Handled complete accounting function of subsidiary company.
Education
ICWA Inter - Accounts
Institute of Cost And Works Accounts
Chennai06.1994
Bachelor of Science - Physics
Madras Christian College
Chennai04.1992
Skills
- Instrumental in enabling digital journey for customers financial needs
- Expert in Cards operation functions , In depth knowledge of Cards Platform Hi Tech Payment System & Way4
- Extensive knowledge of Loan Management System Finnone & Kastle
- Accounting for Cards and Loans in addition to Reconciliation of accounts, identifying and resolution of exceptions
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
There is a powerful driving force inside every human being that, once unleashed, can make any vision, dream, or desire a reality.
Tony Robbins
Timeline
Head of Operations and Credit Administration
United Company for Financial Services
11.2018 - 02.2022
Head of Fraud Control and Authorization
Dunia Finance LLC
10.2016 - 09.2018
Liability Operations Head
Dunia Finance LLC
11.2008 - 10.2015
Manager Operations
Dunia Finance LLC
09.2007 - 10.2008
Deputy Manager
Citigroup Global Services Ltd
02.2001 - 09.2007
Junior Executive
Integrated Finance Company Ltd
06.1994 - 01.2001
ICWA Inter - Accounts
Institute of Cost And Works Accounts
Bachelor of Science - Physics
Madras Christian College
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