vrinda gupta

Performance-driven, results-oriented, strategic thinker, problem solver and leader with 20+ years of experience in risk management and over 1.5 years of experience in Internal Audit; aligning business requirements, policies, and regulatory requirements. Passionate in applying excellent organization and communication skills to manage and lead teams in assigned tasks. Demonstrated ability to exercise outstanding independent judgment, decision making, creativity and initiative.

IWG PLC, DUBAI, UAE
HEAD OF CREDIT RISK & COLLECTIONS (EUROPE, ASIA PACIFIC, AND SOUTH AFRICA), MAY 2023
•Leading a growing team of 70 people to improve existing processes and develop a robust collections team.
•Develop and implement strategies to enhance the team’s productivity, efficiency, and overall collections performance.
•Hire, coach, motivate and performance manage the collections team to drive the recovery of overdue invoices and agreement value.
•Set clear performance goals for individual team members and conduct regular performance reviews.
•Developed comprehensive portfolio indicator to display portfolio performance and trends.
•Appointed external debt collection agencies across the regions to improve coverage and recoveries.
•Develop training materials and conduct training sessions focused on debt collections.
•Implementing best practices in the industry such as standardization of Dunning emails, WhatsApp messages, SMS’s, enhancements of collection systems.

DAMAC PROPERTIES, DUBAI, UAE
VICE PRESIDENT (VP) COLLECTIONS, APRIL 2021–JAN 2022
•Manage recovery team to control flow rates, improve customer experience and increase handover of properties to clients. Focus on identifying potential clients and provide innovative remedial and restructuring solutions and deliver outstanding services to investors.
•Appointed and managed external debt collection agencies for 6 months as a project for Damac.
•Appointed to develop Collections Internal Control team scoped to ensure quality and governance within the function.
•Developed the scope document and methodology for testing controls for identified risks and internal processes.
•Worked closely with IT to automate activities to minimize errors.
•Introduced meaningful collections decks to assist in formulating Strategies for the department.
•Identify and recommend cases for legal actions and terminations. Closely liaise with credit control and legal department to expedite actions.
•Developed a comprehensive portfolio indicator to display portfolio performance and trends.
•Implemented best practices in the industry such as standardization of Dunning emails, WhatsApp messages, SMS’s basis severity of default across the board.
•Meeting and handling elite clients/Investors to resolve problems and provide win-win solutions.
•Project member in the implementation of ROBO calling and PowerBI dashboards for the collections department.

MASHREQ BANK, DUBAI, UAE
ASSISTANT VICE PRESIDENT – INTERNAL AUDIT (RETAIL), MAY 2019–MARCH 2021
•Successfully performed internal control testing procedures and documentations, including test of controls design via walkthroughs and test the operating effectiveness of controls using relevant samples.
•Monitor adherence to various regulatory, legal and company prescribed procedures and internal controls by conducting Retail banking Audits and reviews of controls within the departments.
•Supported management through materiality, risk identification and significant risk assessment procedures.
•Perform analytical procedures on significant processes using leveraging on continuous auditing to determine variance thresholds and investigate all differences beyond expectations using Hadoop.
•Effectively communicate and collaborate with client management, audit teams, and various third parties to obtain key information and meet tight deadlines.
•Discuss deficiencies and communicate risk exposures noted during audit with Auditees to validate findings and obtain responses.
•Synthesize issues and Auditees feedback to develop audit reporting for presentation to business unit and Audit management.
•Participated in the continuous auditing project using Hadoop Platform.
 

AMLAK FINANCE, DUBAI, UAE
COLLECTIONS MANAGER, JAN 2013–MAR 2019
•Manage debt liquidation calling team to control delinquency rates, provide innovative remedial and restructuring solutions, and deliver outstanding service to internal and external customers.
•Steer legal litigation portfolio requiring extensive strategic planning, root-cause analysis, and close collaboration with legal team to monitor and fast track legal proceedings and property repossession.
•Maintain profitability orientation while optimizing debt collection and costs through outsourcing, reviewing and revising department policies and procedures, and forecasting and planning departmental budget and resource allocation.
•Implemented the Dunning process and ensure timely and effective collections of debts from customers to ensure reduction in overdue and minimal provisions.

.EMIRATES NBD, DUBAI.UAE
ASSISTANT MANAGER COLLECTIONS, JAN 2005 – JAN 2013
•Managed the charge-off and recoveries for all retail products.
•Directed team of 25 collectors to achieve or exceed key performance indicators (KPI) while operating within demanding budgetary constraints.
•Accelerated portfolio analysis and management, product and process improvements, and fraud control through behavioural tracking and corrective action.
•Trained and developed teams to embrace culture of ethics and productivity.
•Fostered relationships with high net worth clients.
•Analyses for fraud control through development of behavioural tracking and initiating corrective action and ensure customer's credit worthiness and escalate the suspected fraud cases to the concerned unit.
 

2020 - PG in Data Science: Data Science | AMITY UNIVERSITY, UAE
2007 - Executive MBA: Finance | S.P. JAIN CENTER FOR MANAGEMENT, UAE
2004 - Bachelor of Business Administration: Finance | CHAMPLIAN COLLEGE – USA

CERTIFICATIONS
Certified Anti-Money Laundering Specialist - ACAMS - Passed in 2020
Certified Compliance & AML Manager – Level 2 – Henley Business School - September 2020
Lean Six Sigma Yellow Belt/Green Belt Certification