Dennis Roy has over 29 years of experience in fields including tourism, microfinance, social development, banking, and direct sales. He has held several managerial roles at Mashreq Bank in the UAE from 2008 to 2015, managing portfolios, teams, agencies, and improving performance. Prior to that, he worked in Pakistan on community development projects, managing a technical training institute, and conducting research. He holds a Bachelor of Arts degree and certificates in management and development studies.

1. Dennis Roy
106 Astoria, Springfield
Illinois IL 62704
Cell Phone: 217-220-7141
E. Mail,dennisbj40@yahoo.com
CAREER SUMMARY
Over 29 years’ experience in tourism, microfinance, social and community development
management, Direct Sales, Risk management collections/recoveryand management of teams and
cluster, eight and a half years banking experience in Dubai, United Arab Emirates.
Ability and skill set to provide creative, innovative, enthusiastic and forward thinking leadership
in a team environment. Focused on achieving continuous, improved business performance.
Exceptional leadership qualities, with great motivational skills. Ability to get top performance
from teams and direct reports. Self motivated with highly developed sense of loyalty and
performance. Always ready to take on challenges and deliver positive results.
 Manager Agencies with the corporate designation of Assistant Vice President handling
teams and direct reports for all overseas agencies and in-house team.
 Manager Collections with the corporate designation of AVP handling the domestic
agencies and in-house teams.
 Area Manager Collections with the corporate designation of AVP handling in-house teams
and outsourced agency.
 Area Sales Manager with the corporate designation of AVP handling four sales teams
reporting through four team leaders.
 Team Leader Sales handling a sales team.
 Director managing the technical training institute and community development projects.
P R O F E S S I O N A L E X P E R I E N C E
Mashreq Bank, UAE
Manager Agencies, (January 2014 to June 2015)
Took over the recoveries portfolio in January 2014, have managed this portfolio looking after six
domestic agencies and thirty-five international agencies, an in-house Auto recoveries, an in-
house direct calling team, staff/ex-staff collections and recovery team and managing the strategy
for recoveries and risk management.
 On-boarded new agencies.
 Put systems and practises in place.
 Improved the productivity and performance overall.

2.  The financial and non-financial targets year on year and month on month were met.
 Was instrumental in expanding the scope and coverage area of the unit, increasing the
productivity and numbers by over 15%.
 Team building was strengthened and advancement opportunities were enhanced.
Mashreq Bank, UAE
Manager Collections,(March 2012 December 2013)
Based on the above the target achievement as Area Manager Collections I was assigned a bigger
role as Manger Collections in March 2012.
 Handled a portfolio of over one and a half billion, including SME (small and medium
enterprises) products, credit cards, Auto Loans and the Emirati portfolio.
 Kept the delinquency flow into charge off and provisioning within budget.
 For the year 2012, my team closed the Gross write off (GWO) plus provisioning 18.5%
better than plan.
 I have been graded (annual appraisal) Above Target for the year 2011 and 2012, with an
achievement of 110% of the annual GWO target for the year 2013.
 Was graded On Target for the year 2012.
 Under my leadership the unit achieved record numbers and the overall unit rating was
“Above Target”.
Mashreq bank, UAE
Area Manager Collections, (August 2009 to February 2012)
Having completed two and a half years in sales moved to Centralized Collections and Recovery
Department (CCRD) under the Risk Management Unit of Retail Credit.
 Managed a team of 24 collectors responsible for the SME loans portfolio and Mashreq
Personal loans portfolio.
 Was the top performing collections Area Manager month on month and quarter to quarter.
 Working with my team, I was successful in reducing the flow of delinquent accounts and
the GWO numbers.
 Created advancement opportunities for my direct reports and team members.
 Looked at market trends and provided feedback and information to the underwriting
department to assist with loan processing and decision making.
 The outsourced domestic agencies and the overseas collections agency Genpact reported
to me through my agency managers.
 Ran point on Flex cube testing and identifying collection requirements for inculcating into
the core banking system.
Mashreq bank, UAE
Area Sales Manager,(June 2008 August 2009)
Promoted to Area Sales Manager for SBoL (Small business owner’s loans) SME Banking in June
2008.
 Managed a cluster of over 60 sales staff and four team leaders in four teams.
 As a cluster achieved 101% against the target for the year 2008.
 At the time of my internal transfer to Risk Management, achievement against the Target
was 90.7% (for the complete year) with 5 months to year-end.

3. Mashreqbank, UAE
Team Leader PLF, (Jan 2007 to May 2008)
Joined Mashreq as Team leader for PLF (Personal loan finance)
 Managed a 12 member sales team primarily responsible for sourcing business through PLF
portfolio.
 My team achieved 103% productivity against target for the year 2007.
 I was the top performing team leader during second and third quarter in 2007 in all UAE.
Lahore Diocese Board of Education “LDBE”, Diocese of Lahore, Church of Pakistan (1996 -
2007)
Lahore, Pakistan
Director Technical Training Institute
LDBE is one of the largest educational and social development organisations in Pakistan. The
Technical Training Institute specialises in developing tradecraft skills for school dropouts and
works in conjunction with the LDBE to consult on micro-financing options for further technical
training and developing small businesses for some of these individuals.
 Responsible for the overall running of the institute. Budgeting, financial control, and community
awareness.
 Organized and conducted seminars of social awareness of the discriminatory laws in Pakistan
with special emphasis on Blasphemy laws.
 Research and project work on micro credit and rehabilitation of Gum sniffing children of
Bangkok in association with Social Development and Service department, Church of Thailand.
 Participation at the Development Workers Training Workshop, organised by the Christian
Conference of Asia – Special emphasis on micro finance project methodology and success of the
Grameen Bank, Dhaka.
Diocese of Raiwind, Church of Pakistan (1993 – 1996)
Lahore, Pakistan
Development Officer
 Responsible for community development planning.
 Conception of projects, including funding plans.
 Managing a team of nine staff on a daily basis.
 Conducting research and assessment surveys.
 Project management and reporting.
 Some of the projects worked on:
o Revolving loans for entrepreneurs
o Apprenticeship program for school dropouts
o Development & micro-financing seminars and workshops
o Social awareness on Discriminatory laws and impact on the minorities of Pakistan.
Exclusive Tours Limited (1989 – 1993)
Managing Director
A small inbound tourism company established by me.
 Full management responsibility.
 Formulating the business policy of the company, including sales and marketing strategies.
 Supervision of all day to day operations

4.  Managing a Team of 4 sales officers and 2 tour guides including 3 back office staff.
 Conducting sales and marketing road shows in International tourism conventions in Europe
Indus Guides (Pvt) Limited (1988 – 1989)
Manager Operations
 Presentation of in-bound tour concepts to overseas tour operators.
 Developing and negotiating tour itineraries and quotations.
 Managing relationships with hotels, domestic suppliers and other local agents.
 Preparation of tour rotas and logistical arrangement for all guides.
 Supervision and guidance of 20 tour guides and 6 inbound sales staff.
Sitara Travel Consultants (1986 – 1988)
Tour Guide
EDUCATION
Bachelor of Arts - Punjab University
Certificate of Higher Education in Management - University of Birmingham (UK)
Certificate in Development Studies - University of Birmingham (UK)
COURSES ORGANIZED
 Community Development workers workshops - Church World Service 1996 – 1997
 Development Workers Training Workshop for Christian Conference of Asia - 1994
 Training workshop/seminar on special persons (UNICEF) - 1992
COURSES AND TRAINING
Some ofthe coursesand trainings attended:
 Haggai Institute of advanced leadership training
 Cohen Brown, Proactive relationship Banking
 Cohen Brown, Extraordinary sales Leadership
 Franklin Covey, The 7 Habits
 Anti money laundering and combating terrorist financing
 Fraud Awareness
 Wholesale credit policy alignments