BIJESH BALAN
Bahrain
Mobile No: +97337578930
Email: - bichoo000@gmail.com
OBJECTIVE
Ambitious to pursue a career in the field of MIS and Analytics, I strongly believe that I can be a valuable asset towards
the betterment of your organization, by putting into action, knowledge that I have gained through experience &
education. I have a very good knowledge and experience in MIS and Portfolio Analytics.
EDUCATIONAL QUALIFICATIONS
❖ B – com (Computer Application) from M.G.University (India)
COMPUTER PROFICIENCY
❖ SQL Server 2005, Business Objects XI, Hyperion Brio, ODS, Tableau, Power BI.
❖ C , C++ , VISUAL BASIC , FOXPRO , MS - OFFICE ( Word , Excel, Macros, Access, Power point )
❖ Tally 6.3 from TALLY ACADEMIC SOLUTIONS , BANGALORE , INDIA
EXPERIENCE
❖ Working as Assistant Manager - MIS & Reporting in Finance House from Feb 2022 to Aug 2023.
❖ Worked as Senior MIS / Portfolio Analyst in Al Khaliji France-SA from Jul 2019 till Feb 2022
❖ Worked as Business Intelligence Analyst in FIRST ABUDHABI BANK from Jan 2016 Jun 2019
❖ Worked as MIS / Portfolio Analyst in UNION NATIONAL BANK from May 2014 to Dec 2015
❖ Worked as MIS Analyst in FIRST GULF BANK from July 2013 to Apr 2014
❖ Worked as MIS / Portfolio Analyst in ABU DHABI COMMERCIAL BANK from May2007 to May 2013
PROFESIONAL EXPERIENCE
Feb 2022 to Aug 2023
Position: - Assistant Manager - MIS & Reporting, Business Intelligence Unit, Consumer Banking
Finance House, Abu Dhabi
✓ MIS maintenance & reporting.
✓ Preparation of loans & credit card portfolio.
✓ Preparing credit card spends reports.
✓ Preparation of daily dash boards & KPI's.
✓ Preparation of adhoc reports as per management request.
✓ Preparing base for cross selling &campaigns.
✓ Preparation of business performance reports (Branches, Direct Sales).
✓ Assisting finance team for budgeting.
✓ Ensure data integrity in all reporting’s. Assure timely report preparation and its distribution to the
management.
Jul 2019 to Feb 2022
Position : - Senior MIS / Portfolio Analyst, Finance Department, Consumer Banking
Al Khaliji France-SA, Dubai
✓ MIS maintenance & reporting.
✓ Preparation of loans &credit card portfolio.
✓ Preparation of daily dash boards & KPI's.
✓ Preparation of Central bank reports - Regulatory Reporting
✓ Preparation of CBUAE regulatory reporting returns ( BRF’s- Business Return Forms)
✓ Preparation and / or Review of various financial & non-financial reports to Central Bank of UAE ( CBUAE )
at various frequencies ( fortnightly, monthly, quarterly, half yearly , and annually ).
✓ Preparation of Central bank reports for Qatar (QCB) & France.
✓ Ensure that all reporting to CBUAE is with due professional care without any error/omission and time
frames.
✓ Ensure data integrity in all reporting’s. Assure timely report preparation and its distribution to the
management.
Jan 2016 to Jun 2019
Position: - Business Intelligence Analyst, Business Intelligence Unit, Consumer Banking
First Abu Dhabi Bank, Abu Dhabi
✓ MIS maintenance & reporting.
✓ Preparation of loans portfolio.
✓ Preparation of credit card portfolio.
✓ Preparing credit card spends reports .
✓ Preparing and analyzing monthly credit analytics pack containing information on loan delinquencies, Gross
Write offs (GWO’s), segment wise, region wise , income wise, NPL, Delinquency wise, Industry Wise.
✓ Standardize, automate, enhance and disseminate adhoc reports and routine MIS
✓ Preparation of daily reports for E channels& Digital banking reports( Mobile Banking , Internet Banking,
ATM's)
✓ Preparation of monthly reports.
✓ Preparation of daily dash boards& KPI's.
✓ Preparation of business performance reports ( Branches, Direct Sales, Wealth management, Channels).
✓ Preparation of adhoc reports as per management request.
✓ Preparing base for cross selling &campaigns..
✓ Ensure data integrity in all reporting’s. Assure timely report preparation and its distribution to the
management.
May 2014 to Dec 2015
Position: - MIS / Portfolio Analyst, Retail Credit Service Department ,
Union National Bank , Abu Dhabi
✓ Preparation of Retail & SME loans Portfolio.
✓ Monthly preparation of credit analytics pack - Portfolio Review
✓ Preparing and analyzing monthly credit analytics pack containing information on loan delinquencies, Gross
Write offs (GWO’s), segment wise, region wise , income wise, NPL, Delinquency wise, Industry Wise.
✓ Close interaction with portfolio managers on the portfolio’s monthly performance
✓ Preparation of daily dash boards.
✓ Preparation of MIS reports for the daily logins & disbursements of retail products
✓ Preparation of adhoc reports as per management request.
Jul 2013 to Apr 2014
Position: - MIS Analyst , Credit Administration Department ,
First Gulf Bank , Abu Dhabi
✓ Preparation of wealth management portfolio
✓ Preparation of mortgage portfolio
✓ Preparation of adhoc reports as per management request.
✓ Preparation of MIS reports for the daily disbursements of retail products
✓ Preparation of wealth management reports ( LTV reports )
✓ Preparation of daily dash boards
✓ Preparation of settlement reports
✓ Preparation of staff performance
✓ Preparation of POS reports for NI payment
✓ Preparation of Insurance reports.
May 2007 to May 2013
Position: - MIS / Portfolio / Risk Analyst , Credit Risk and Analytics Department ,
Abu Dhabi Commercial Bank, Abu Dhabi .
Job Profile –
✓ Minimized manual and ad-hoc reporting by automating periodical reports leveraging available reporting
technologies.
✓ Monitoring KPIs to identify business problems and providing recommendations to the upper management for
addressing probable shortcomings; thus enhancing business productivity.
✓ Preparation of daily dash boards for the management .
✓ Drafting and automating reports, providing reviews in addition to ad-hoc reporting to drive management
strategies in direct coordination with the senior management.
✓ Preparing base forcross selling.
✓ Reconciliation of GL’s.
✓ Monthly preparation of credit analytics pack ( Portfolio Deck )
✓ Preparing and analyzing monthly credit analytics pack containing information on loan delinquencies, Gross
Write offs (GWO’s), segment wise, region wise , income wise.
✓ Monthly preparation of portfolio performance for loans - Smart loans , Overdraft , Non salary transfer loan .
✓ Preparing the monthly base data for products like smart loan , overdraft , non salary transfer loan.
✓ Product wise portfolio performance analysis and central bank report on IFRS ( International Financial
Reporting Standards )
✓ Close interaction with portfolio managers on the portfolio’s monthly performance.
✓ Generating MIS and reports of the internal clients as per the requirements and query handling .
✓ Daily reporting of application inflow, volumes disbursed and applications approved with higher authority
escalation.
✓ Preparation of adhoc reports as per management request.
✓ Providing data to finance department ( data for Revenue ,NPL , ENR , Accounts etc ) and other
departments as per their requirements.
✓ Performance of regular UAT related to system enhancement of LAPS co-ordinating with IT for issues
raised in UAT
✓ Preparation of daily MIS report s for credit initiation unit and RCAD.
➢ PAN UAE report for retail products
➢ Daily approved and decline applications
➢ Daily Open/ pending , resubmission & on hold applications
➢ Deviation approved applications
➢ TAT report for approved & declined applications
➢ Staff performance ( Analyst & Data entry)
Achievements:
✓ Was part of the UAT team for testing and implementing the Loan-on-Cardsin LAPS system
✓ Was part of the UAT team for testing and implementing the Etihad credit card in LAPS system
✓ Represented credit team in testing the ITQAN system (360degree view) and successfully trained staff in
using the system for the day-to-day activities
SKILLS
➢ Banking Operating Systems : IFlex, LAPS, CCPS , MIS ONLINE ,Business ObjectsXI,
CRM – Itqan , (SIEBEL) , ODS
➢ Utility Packages : MS Office (Word, Excel, Access, PowerPoint)
OTHER SKILLS
➢ Committed team player with Strong Interpersonal & Communication Skills.
➢ An excellent organizer, Motivated & self-starter.
➢ Well acquainted in any new environment and adopt accordingly.
➢ Innovative and with flexible, successfully performing different job responsibilities.
➢ Willingness to learn & ability to successfully handle multiple tasks while under pressure.
➢ Positive attitude & comprehensive problem solving abilities with the ability to grasp quickly.
PERSONAL PROFILE
Age &Date of Birth : 38 years, 06-Sep-1984
Sex : Male
Marital Status : Married
Nationality : Indian
Reference:
Can be furnished upon request.
