narayanan ganapathi
@narayananganapathi
I lead secured collections and digital transformation across banking portfolios.
United Arab EmiratesWhat I'm looking for
At FAB, I lead a 70-person secured collections team managing an AED 50B+ portfolio across mortgages, business banking, trade finance, and POS lending.
I've cut cost of risk by 20% and improved recoveries by 20% through risk-based scorecards, predictive dialers, digital self-cure channels, and redesigned agency and legal recovery panels.
Previously at ADIB, I led the Barclays-to-ADIB core banking migration and an agile, RPA-enabled transformation of retail operations while advising senior leadership.
Across 30+ years with Barclays, Dubai First, Standard Chartered, American Express, Citigroup, ADIB, and FAB, I've led credit risk, debt management, collections, governance, and executive transformation initiatives across the UAE and India.
Experience
Work history, roles, and key accomplishments
Head of Secured Collections
FAB
Jan 2019 - Present (7 years 8 months)
Leads a 70-person team managing an AED 50B+ secured portfolio across Mortgages, Business Banking, Trade Finance and POS Lending; built risk-based collections scorecards and segmentation, deployed predictive/auto-dialer systems and digital self-cure channels, and restructured third-party agency and legal recovery panels.
Chief of Staff / Digital Transformation Lead
ADIB
Jan 2014 - Jan 2019 (5 years)
Acted as Chief of Staff to senior leadership; led a core banking systems migration (Barclays portfolio into ADIB) and an agile, RPA-enabled digital transformation of retail operations, with MIS and analytics dashboards for executive decision-making; delivered Year-1 Expat Business objectives ahead of plan.
VP / Head of Debt Management
Barclays Bank
Jan 2010 - Jan 2014 (4 years)
Led large-scale debt management operations, improving operational performance and portfolio outcomes.
Head / Senior Leadership Role
Dubai First
Jan 2007 - Jan 2010 (3 years)
Held a senior leadership role overseeing collections and related operations.
Center Manager, Tamil Nadu
Standard Chartered
Jan 2004 - Jan 2007 (3 years)
Managed a center in Tamil Nadu, overseeing operations and collections.
Head, Collections – East India
American Express
Jan 2001 - Jan 2004 (3 years)
Led collections operations for the East India region.
Head, Cards Collections – East India
Citigroup
Jan 1995 - Jan 2001 (6 years)
Led cards collections operations for the East India region in a final role.
Education
Degrees, certifications, and relevant coursework
Shri Ram College of Commerce, University of Delhi
Bachelor of Commerce (Hons), Commerce
Completed Bachelor of Commerce (Hons) from Shri Ram College of Commerce, Delhi.
Indian Institute of Management Calcutta
EPBM, Business Management
Completed the Executive Programme in Business Management (EPBM) from IIM Calcutta.
Tech stack
Software and tools used professionally
Availability
Location
United Arab EmiratesAuthorized to work in
Salary expectations
Social media
Skills
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