1. P.O.Box 36929, Dubai, UAE. T/F: +971 4 2825272, E: info@biznrisk.com www.biznrisk.com
About Us | | | Training & Workshops
Global Financial Crisis ABOUT US
checklist: Biz N Risk Management Consultants provide specialized
business risks – across Consumer Banks, Finance
Revise Target Market definition
companies and Real estate developers.
Credit Policy revamp
Tighten Credit Verifications Founded by a Consumer Credit and Risk specialist with
extensive hands-on experience in managing risks and
Focus on Analytics & Forecasts credit cards, consumer loans and real estate businesses
Conduct Stress-tests
Identify Trigger points
Strengthen Collections Based in Dubai and one of its kind in the region, our
Train critical resources
At Biz N Risk, we understand and recognise that the business custodians know
Our services will complement the internal business and risk management
-
the clients, they can be structured around the along-side typical areas.

2. Credit Cards Business Solutions
Leveraging the learnings and expertise drawn over complex
markets and across different business cycles, Biz N Risk can
offer a robust Credit Cards business framework covering
policies, processes and indicators across key functional areas
of the business to help create a profitable and market leading
business.
Additionally, Biz N Risk can support the selection, migration
and implementation of Core Credit Cards system application,
authorisations engine, as well as fraud, collections, credit
origination and decision support / analytics applications.
Training, Certification and Workshops
Cross-functional exposure and specialized credit risk training • The Consumer Credit Cycle and its different components
are wish-lists in most consumer lending organisations, due to • Key credit terms, indicators, processes
‘business as usual’ pressures and lack of specialised training • Analytics & loss forecasting techniques
resources. • The Product Program framework
Biz N Risk offers experienced and senior trainers to share • Introduction to scorecards
consumer credit and risk management concepts and learnings • Credit underwriting
RELEVANT TO GCC, UAE and Indian Subcontinent. With • Collections and Recovery: Procedures, Tools, Systems and MIS
Biz N Risk, consumer lenders now have an opportunity to • Basics of Cards authorizations and fraud
create dedicated training, certification and workshop solutions
imparting the ideal mix of consumer risk management theory
in a practical environment. Core areas of coverage will be:
WHY BIZ N RISK ?
• Benchmark your products, policies and procedures to market best practices
• Leverage our expertise across multiple systems, vendors and similar implementations
• Release your key resources to focus on business as usual
• Overcome internal ‘blind spots’
SUSHIL BHATNAGAR, CEO, BIZ N RISK MANAGEMENT CONSULTANTS,
P.O.BOX 36929, T: +97150 4567005, sushilb@biznrisk.com

3. P.O.Box 36929, Dubai, UAE. T/F: +971 4 2825272, sushilb@biznrisk.com
Sushil Bhatnagar, CEO
Biz N Risk Management Consultants
BUSINESS, CREDIT AND RISK MANAGEMENT SPECIALIST -
Consumer Banking and Real Estate.
MBA (Mktg & Finance), B.Sc (Stats)
CREDIT AND RISK MANAGEMENT: Extensive hands-on experience of over 16 years in International and Regional Banks / Financial
Institutions of UAE and India, across all the areas of Consumer Credit and Risk Management - collections, credit policy and
analytics, credit underwriting, authorisations and fraud management. Well versed with all consumer loan products - especially
Credit Cards, Personal and Auto Loans as well as Mortgages.
BUSINESS MANAGEMENT: Successfully executed specific assignments to scale up and turn around businesses across Credit Cards
and Real Estate industries. Managed revenue generation, sales and marketing, corporate communications and customer service
responsibilites.
CHANGE MANAGEMENT: Expertise ranges from turning around portfolio credit problems, resolving a database fraud compromise,
enhancing scorecard effectiveness as well as building new and migrating existing businesses:
• Key member of the senior management team responsible for the launch and start up of a bank and finance company in UAE
IT and SYSTEMS: Well versed with leading Core banking, Credit Card, Loan Origination, Authorisations, Fraud and Collections IT
application systems and functionalities. Led various system selections, migrations and implementations for the above systems.
WORK EXPERIENCE
1. DEYAAR DEVELOPMENT, Dubai 3. MASHREQBANK, Dubai
Director - Marketing, Operations, Head of Cards Marketing
IT and Risk Head of Risk - Cards & ODs
2. DUBAI BANK / DUBAI FIRST, Dubai 4. CITIBANK, India
Credit and Risk Director, Retail Banking Manager - Credit Policy & Analytics
Credit Officer - Regional Collections