1. Syed Wardul Hijaz
Email :hijazmail1988@gmail.com
Mobile : +971562375232,0557978850
Skype ID: swardulhijaz
--------------------------------------------------------------------------------------------------------------------------------------------------
OBJECTIVES:
To obtain a position that will enable me to utilize my strong organizational skills, educational background, and ability to
work well with people. Seeking a challenging career with a progressive organization which will utilize and enhance
my experience contributing to both Personal and Organizational growth.
PROFESSIONAL EXPERIENCE:
Tahseel –Al Hadaf Sharjah UAE
Designation: Collection Officer (March 2016-Present)
 Carry out comprehensive collections functionalities from start to end.
 Maximize recovery on delinquent portfolios adhering to the laid down policies and procedures of the banks .
 Handled ADCB,Dubai First,ENBD,RAK,Majid al Futtaim banking portfolios.
 Manage and achieve overall collection targets assigned.
 Follow up with default customers for early regularization.
 Recommend course of actions including lodging of civil/criminal cases where default continues
 Finalizing of repayment arrangements for bad loans and rescheduling as per approvals
 Contact to Default Customer’s Reference Person’s. To find out customer, ensure customer problems are identified
and properly address.
 Advise customer or guarantor of consequences for failure to make or break an arrangement and consider
realizations action
 Skip Tracing & Labor Check by UAE Ministry of Labor web service portal, tracing from Social Media & Job
Portals for skip customers
Ocwen Financial Solutions – Bangalore, India.
Ocwen Financial Solutions is a provider of residential and commercial mortgage loan servicing, special servicing and
asset management services Ocwen is headquartered in Dunwoody, Georgia with additional offices in west palm
beach, Orlando, Florida, Houston, Texas, Waterloo, Iowa, and Washington. It also has support operations in
Philippines and India.
Designation: Financial Analyst – Loan Verification Dept. (Aug 2012 – Sep 2015)
Key Responsibilities:
 Handling high priority projects and completing it EOD.
 Handling & Supervising the team of 30 staff as acting team leader.
 Preparation of Daily/Weekly/Monthly reports of performance of new joiners.
 Preparation of Error report and QC on errors.
 Weekly discussion of staff on production and accuracy.

2.  Assigning and collation of the sheets.
 Point of Contact for both Off Shore and Onshore process related Queries.
Designation: Financial Associate – Loan Verification Dept. (Nov 2011 – July 2012)
Key Responsibilities:
 Complete Loan Verification (Fixed, Balloon,ARM and OPT loans)
 Verification of Loan Modification (HAMP and non HAMP/Underwriting).
 Verification, Calculation and Updating the Pending Changes in the Real Servicing.
 Calculation of interest and Principle amounts.
 Verification of Loan Modification terms and Amortization of loan term.
 Validation of loans and QC (Quality Check).
 Verification of borrower details, SSN (Social security Number).
 Worked with the quality team in classification of errors (Fatal & Non-Fatal) to reduce errors. Assistance to Lead in
preparation of Internal and External Error reports on weekly basis & a consolidated report on monthly basis to
determine the trend of errors, individual processors error trend, team’s accuracy levels.
Applications used:
HKDC collection software, Real Servicing, Real resolution, Looking Glass, Citrix, Fiserv and CIS.
Awards & Achievements:
 Awarded as consistent performer (Best Performer) of the year 2014.
 Was instrumental in the growth of a Process, which grew from a team of 8 members to 30 members.
 Awarded as Best Performer in the month of June 2016.
Academic Chronicle:
Qualification University/Board Year of
Passing
Grade Obtained
MBA(Finance) Bangalore University 2011 1st
BSC Kashmir University 2009 1st
12th
and 10th Board of School Education Srinagar 2005 and
2003
1st and
1st
(Distinction)
Computer Skills:
Working knowledge of Microsoft Office tools (Excel, PowerPoint, and Word)
Project: A study on Non Performing Assets of J&K Bank Ltd with special Reference to Corporate
Headquarter Srinagar.
Duration : 6 weeks
Description : To find the effect of NPAs on Profit of Bank / Cause of accumulation of NPA’s
To find out various methods for reduction of NPAs
To find the various factors responsible for formation of NPAs
STRENGTHS:

3. Proliferate in Excel.
Good Communication & Inter-Personal Skills.
Confidence & Perseverance.
Ability to learn quickly.
Positive attitude and Enthusiastic in team work.
PERSONAL PROFILE:
Name : Syed Wardul Hijaz
Nationality : Indian
Passport No : H9031502
Marital Status : Single
D.O.B. : 11/05/1988
Visa Status : Working Visa
Languages known : English, Hindi and Urdu.
Permanent Address : 306 Al Majid Tower A Alkhan Sharjah
It is an endeavor that I would like to contribute my efforts and enclose here above my detailed CV for your kind perusal
and consideration. Giving and opportunity; I am optimist that a synergistic relation could be established.