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Corporate book of dunia finance
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Table of contents
> From the CEO’s desk 4
> About us 6
> Our shareholders 7
> Our philosophy 10
> Our Credo 11
> Our unique value proposition 14
> What makes us unique 22
> The ‘dunia difference’ 23
> Make the right moves with dunia 29
> Dunia@work 40
> Dunia touch points 41
> Our people 43
> Dunia Cares... “Save the future” 45
> Taking a closer look... 48
> Dunia press room 49
> Dunia brand 51
> Dunia ad gallery 52
> Our board of directors 53
> Our management team 57
03
Changing the way people see and experience life
Welcome to dunia, a world of financial opportunities...
Dunia means ‘the world’ in Arabic and in several other languages spoken in the UAE, and Dunia aims to
offer its customers a world of opportunities.
As a brand, dunia was conceived for one overarching purpose.... To care for and make a difference in
the lives and future of our customers. We provide financial products and services that empower people,
enable success and enrich lives.
Dunia has introduced a new way of looking at the relationship between customers and financial
institutions and created a business model that has the consumer at the center of its universe. We are
an organization that understands, engages and delivers financial solutions to consumers through need-
based segmentations of the market, engendering stability, financial security and confidence.
We recognize the need to go back to the traditional banking basics of being true to the customers
promise, going the extra mile for our customers and building a spirit of teamwork and passion to deliver.
Dunia provides a holistic financial solution catering to customers’ transactions, savings, borrowing and
protection needs. We offer a wide range of products and services ranging from loans, to credit cards,
deposits for non-individual customers, and working capital facilities for small businesses. All this is backed
with world class systems, technology, processes and infrastructure to ensure a unique and consistent
customer experience at all times and at all touch points.
I welcome you once again to dunia, and assure you of our best services at all times.
With my best personal regards,
Rajeev KakarExecutive Director & Chief Executive Officer
Dunia Finance L.L.C.
04
From the CEO’s Desk
05
Together we grow stronger
About us
Dunia means ‘the world’ in many languages and we offer our customers a world that serves from the
heart… where experience, knowledge and commitment create financial solutions that are relevant and
effective. We speak more than 30 languages and we understand our customers’ needs and aspirations
in all of them.
Dunia Finance L.L.C., known as dunia, is the latest entrant in the financial services field. Dunia is a finance
company that was created as a strategic partnership between Mubadala Development, Waha Capital,
A.A. Al Moosa Enterprises, and Fullerton Financial Holdings (a wholly owned subsidiary of Temasek
Holdings). Dunia currently has capital of AED 586 million.
Dunia has a unique customer-centric and segmented approach that aims to first understand customer
needs and then offer relevant financial solutions. Dunia offers a wide range of financial products and
services ranging from loans, to credit cards, deposits for non-individual customers, and working capital
facilities for small businesses.
06
Our shareholders
Fullerton Financial Holdings
Fullerton is a financial services investment
holding company. It is a wholly owned subsidiary
of Temasek Holdings, with shareholdings in
several banks and financial institutions
spanning across countries, and also controlling
management influence in Bank Danamon in
Indonesia, Fullerton India Credit Corporation,
Fullerton Securities Wealth Advisors, Alliance
Bank in Malaysia and NIB Bank in Pakistan.
As a long-term strategic investor, Fullerton has
a flexible and creative investment philosophy
and is committed to growth and stability of
its investee institutions over the long-term
horizon. Fullerton supervises and guides its
investee institutions to achieve the highest
risk-reward balance and create shareholder
value by differentiating through great people,
unique relationship business models and
disciplined execution.
www.fullertonfinancial.com
Mubadala Development Company
Mubadala is a leading business development
and investment company based in Abu Dhabi.
At the core of its strategy, Mubadala makes
long-term, capital intensive investments to
deliver strong financial returns and economic
diversification. Its mandate is to transform
the Emirate from a single-sector economy,
driven predominantly by oil and gas, into a
multi-sector global economy that comprises a
range of thriving industries.
Mubadala is rigorously analytical in its selection
of investments and partners, whether it is
investing in established businesses such as
Carlyle Group and Ferrari or creating new
ones by partnering with leading international
organizations like Cleveland Clinic.
www.mubadala.ae
07
Waha Capital
Waha Capital is an Abu Dhabi Securities
Exchange-listed and Abu Dhabi-based diversified
investment holding company, created by
restructuring Oasis International Leasing
Company PJSC. Waha Capital has adopted a
clear vision and strategy to drive multi-sector
business growth and diversification through
acquisitions, joint ventures and creation of
new businesses. Its current business portfolio
includes big-ticket leasing, financial services,
maritime and property development. Waha
Capital’s main institutional shareholders are
Mubadala Development Company and Abu
Dhabi Investment Company.
www.wahacapital.ae
A.A. Al Moosa Enterprises
The Al Moosa Group, also more familiarly known
as the Arenco Group, is one of the leading and
prominent local business groups in the UAE,
with business interests spanning real estate,
hotels, architectural design, manufacturing,
services and trading. Set up in 1971, the group
has its corporate headquarters in Dubai, with
business interests in all emirates and beyond.
The group continues to rapidly grow in its
various businesses as a service oriented group
and looks forward to its diversification into
financial services through its interest in Dunia
Finance L.L.C.
www.aaagroup.com
08
09
Striving for a simple, friendly and trustworthy service
Our philosophy
Dunia VisionWe care and make a difference in the lives and future of our customers.
At dunia, our customers are at the center of all that we do. Our commitment is realized by listening to and understanding customer needs. We design and deliver tailor-made financial solutions.
Dunia Mission We aspire to serve all our customers by delivering quality products and excellent service, therefore financially empowering our communities and partners, and creating long-term and sustainable shareholder value.
Dunia is unique in its use of a customer-centric approach that aims to deliver a differentiated, yet relevant, unique value proposition that caters to the holistic product, convenience, experience, and service expectations of clients in the UAE. All this will be delivered sustainably and predictably to the customer, through processes and proposition supported by investment in state-of-the-art technology and capabilities, and partnerships with service providers who excel in their individual areas of expertise.
10
Our Credo We Believe in...
We serve our community by respecting their traditions
and enriching their lives through our work, spirit of
volunteerism and resources. We are a responsible player
and believe action is better than words.
Customer commitment
Serving the Community
Striving for excellence
Integrity & Ethics
Value of our people
We proactively reach out to our customers and build
meaningful relationships which make a positive impact in
their lives. Our commitment is realized through listening &
understanding their needs, and in the design and delivery
of quality products and services. We treat them fairly and
with respect.
We have a passion to excel and strive for excellence in all
that we do. We succeed when we have exceeded customer
expectations. We encourage creativity and innovation
and always “THINK BIG” to maximize our potential.
We have empathy, mutual respect, trust and unconditional
support for each other. We recognize the leadership
potential in every individual and provide opportunities to
learn and grow. We are a result oriented team and work
together to achieve our goals and ‘enable success’.
Integrity and ethics are the core of our value system
and embedded in all that we do. We uphold dunia’s
reputation with pride, and conduct our business with all
stakeholders, customers and regulators with the highest
ethical standards, and transparency. We are accountable
for our actions.
11
12
Understanding your needs and requirements with sincerity
13
Our unique value proposition
Dunia means ‘the world’. You mean the world to us.
Come to a world that serves from the heart…where experience, knowledge and commitment create financial solutions ideally suited for you. We speak more than 30 languages and we understand that your needs and aspirations are different. At dunia, we offer you unbiased and tailor-made complimentary financial planning that opens new opportunities.
Our unique value proposition
We want to provide a wide range of customized financial solutions through superior products, service and relationship experience based on respect, with easy access through an empowered Relationship Manager, alternative access channels for convenience and speed, in order to provide for a better life-style and future for yourself and your family.
Why choose dunia?
dunia on-line, and ATMs on the MasterCard Worldwide network
Explore the options dunia offers you…
For detailed information on dunia please visit www.dunia.ae
14
Our unique value proposition
15
You have built your business with passion. Now duniatrade aims to serve your complete business and
personal financial needs with similar passion… so you can always stay ahead.
At duniatrade, we offer you and your staff a wide range of customized business and personal financial solutions. Whether personal loans, credit cards, deposits for your business or tailor-made financial planning services, we can assist you in growing your business and managing your personal finances. Our trained and certified duniatrade staff speak more than 30 languages.
Our unique value proposition
We aim to be a caring community-based financial services provider designed specifically to serve you through a superior relationship experience, empathy and respect, and with convenient, fast and easy access to credit.
Why choose duniatrade?
financial center, 24-hour dunia contact center on 04 42-dunia (38642), dunia on-line, and any ATMs on the MasterCard Worldwide network
Explore the options duniatrade offers you with …
financial planning
fixed deposits to maximize your returns on your business funds
For detailed information on duniatrade please visit www.dunia.ae
16
17
Our unique value proposition
18
At duniamoney, we believe in going the extra mile just like your friends would do for you.
Our friendly Relationship Manager is waiting to serve you and offer you unique tailor-made solutions just for you. So whether you need to send money to your family, buy your dream house back home, educate your children, or need some extra cash, duniamoney is here for you.
Our unique value proposition
To offer a community-based, superior service and relationship experience based on empathy and respect, while giving you access to easy credit, simple savings products, to meet your simple financial needs, in order to help you provide for a better future for yourself and family back home.
Why choose duniamoney?
dunia on-line, and any ATMs on the MasterCard Worldwide network
Explore the options duniamoney offers you with …
For detailed information on duniamoney please visit www.dunia.ae
19
Our unique value proposition
At duniagold, we believe in taking the time to listen and understand your needs and offer you tailor-
made financial solutions to meet your needs comprehensively.
We understand that a person like you has unique needs. Our personalized approach is simple and innovative. We offer a wide range of transaction, deposit, borrowing, saving and protection solutions to meet your sophisticated needs. Starting with the dunia ‘no obligation’ financial planner, we open the door to a world of opportunities.
Our unique value proposition
To be a provider of customized and tailor-made solutions that cater to your unique financial and lifestyle needs. We help you achieve your aspirational goals by providing a wide range of financial products and services and we deliver these with exceptional service and convenience through a single point of contact.
Why choose duniagold?
dunia on-line, and any ATMs on the MasterCard Worldwide network
Explore the options duniagold offers you with …
For detailed information on duniagold please visit www.dunia.ae
20
21
What makes us unique...
Dunia offers a new concept in financial services that is unique and differentiated in the UAE. Dunia has built and is delivering a differentiated, customer-focused financial institution that serves the needs of the different customer segments. The entire dunia business model caters to specific customer needs identified through extensive market research. With this relationship-based model, dunia is a holistic financial solutions provider in the UAE market, for a multitude of consumer segments and financial needs.
Dunia is unique in its use of a customer-centric approach that aims to deliver a differentiated, yet relevant, unique value proposition that caters to the holistic product, convenience, experience, and service expectations of clients in the UAE. All this will be delivered sustainably and predictably to the customer, through processes and proposition supported by investment in state-of-the-art technology and capabilities, and partnerships with service providers who excel in their individual areas of expertise.
22
The ‘dunia difference’
Self-employedMass Market
Mass Affluent
SalariedMass Market
Focus Segments
SME
Affluent
Commercial
Corporate
e
gg
Product
or
Price / return
Fo
e
er
Convenience
we
Service (Hard)
Experience (Soft)
Customer Relationship
Segment Financials
Analytics
Sales & Distribution
MarketingOperations
Collections & Rehab
Credit & RiskPeopleTr Competent
Responsive
Fair
Process
eResponsive
freeTiCompetent
Productsrange
fe tage
Re
ss
Rule EngineBusiness
Rules
25
Acquisition Mix, Ticket sizeX-sell opportunityLead generation
Customer lifetime valueLine increase programs
RevenueEffectiveness:Grow thetop-line
ResponseIncreaseefficiency
Data Warehouse
StrategicAnalytics Unit
RiskMinimizelosses
Minimize Expenses,Unit Costs, Expense / ANR
Turn around time,Approval rates,
Error rates
Identify high risk segments- focus areas for credit & collections
Loss absorption capacity,Application & Behaviour scoring
26
29
Lead a healthy life with a balanced financial plan
Just like a balanced diet keeps you healthy, a balanced financial plan helps ensure your financial health…
At dunia, we understand that every person is different and has different needs and hence, we can assist you in developing a customized plan for you that outlines the road to reaching your long-term financial goals and securing a brighter future for you and your family.
This dunia planner is not a solicitation by dunia to buy or invest in any product, but is a FREE financial planning tool made available to assess your needs, and identify suitable products to invest in. You can use the financial planner to take advantage of the specific product of any provider of your choice and be guided by appropriate advice by your investment advisor.
Your dunia planner is designed to offer you an illustrative and unbiased tailor-made plan, addressing your personal goals and aspirations through the different stages and milestones of your life. This illustrative plan helps you answer some key questions….
Make the right moves with dunia
This dunia planner is not a solicitation by dunia to buy or invest in any product, but is a financial planning tool made available to assess your needs, and identify suitable
products to invest in. You can use the financial planner to avail of the specific product of any provider of your choice and be guided by appropriate advice by your
investment advisor. Dunia does not facilitate the purchase of investment products and undertakes no liability or responsibility for the dunia planner provided.
30
Offering a world of financial solutionsto meet your unique needs
Platinum, Gold and Silver Cards
Key benefits1 and rewards
2 benefits with coverage up to $30,000
1
the sole discretion of Dunia Finance L.L.C. 2Insurance products are offered through third party providers, currently AIG. Dunia simply facilitates the provision of insurance
products to its customers and processes payments of premium from the customers and forwards them to the insurer. Terms and conditions apply and are subject to change
without prior notice and are available upon request. For the current terms and conditions visit www.dunia.ae. Credit card and loans are provided at the sole discretion of
Dunia Finance L.L.C.
31
Credit cards from dunia
Car Loans Corporate DepositsEducation LoansCredit Cards Personal Loans Durable Good Loans
32
Dunia gives you the freedom to tailor make your loan to match your unique needs, at attractive interest rates and the tenor of your choice. Whether you need a loan for your child’s education, to renovate your home, to enhance your business or for that dream vacation, dunia is the place to go.
Key benefits
personalized service and unique tailor-made solutions
33
Personal loans from dunia
Terms and conditions apply. Loans are provided at the sole discretion of dunia.
Car Loans Corporate DepositsCredit Cards Personal Loans Education LoansDurable Good Loans
34
35
Durable good loans from dunia
If you are dreaming of a fabulous home theatre or a
new laptop or planning to buy new furniture for your
home or office, dunia will provide you with the most
convenient way to realise that.
Key Benefits
conveniently located near you
better terms our customers get
provides personalized service and unique tailor-made solutions
Car Loans Corporate DepositsCredit Cards Durable Good LoansPersonal Loans Education Loans
Terms and conditions apply. Loans are provided at the sole discretion of dunia.
36
Education loans from dunia
Dunia cares and can help you take your education
further. This is why dunia has a dedicated higher
education loan to enable you to do exactly that.
Key benefits
flow needs
better terms our customers get
provides personalized service and unique tailor-
made solutions
Car Loans Corporate DepositsCredit Cards Education LoansPersonal Loans Durable Good Loans
Terms and conditions apply. Loans are provided at the sole discretion of dunia.
DUNIA@SCHOOL
37
Car loans from dunia
Dreaming of buying a new car or upgrading the
one you have? With attractive finance options from
dunia, owning your dream car is now easy. Drive
away your dream car with a dunia car loan!
Key benefits
better terms our customers get
provides personalized service and unique tailor-
made solutions
Corporate DepositsCredit Cards Personal Loans Durable Good Loans Car LoansEducation Loans Corporate DepositsCredit Cards Education LoansCar LoansPersonal Loans Durable Good Loans
Terms and conditions apply. Loans are provided at the sole discretion of dunia.
You can also
get a car cash-in
loan TODAY!
38
Corporate deposits from dunia
With dunia’s corporate fixed deposits you can maximize your returns on your business funds. You can earn higher interest rates than a current account, and it‘s a simple and safe way to invest money.
Key benefits
Car LoansEducation LoansCredit Cards Corporate DepositsPersonal Loans Durable Good Loans
Terms and conditions apply.
39
Offering unmatchedbenefits, rewards and privileges for your staff
Dunia@work
Dunia brings you the world of financial opportunities… right to your workplace! Dunia@work program enables your employees to benefit from the strength of your organization. We offer your staff and your organization financial solutions ranging from corporate deposits to personal loans, durable good loans, auto loans, credit cards and financial planning... all bundled with unmatched discounts, unique rewards, exciting privileges and exclusive terms for your organization.
Key benefits
personalized service and unique tailor-made solutions at your door step
40
Corporate DepositsCredit Cards Personal Loans Durable Good Loans Car LoansEducation Loans Car LoansCar Loans Corporate DepositsCredit Cards Personal Loans Durable Good Loans
Terms and conditions apply. Credit cards and loans are provided at the sole discretion of dunia.
Dunia touch points
24-hour dunia contact center on 04 42-dunia (38642)
Dunia online
www.dunia.ae
Visit us at our financial centers
Walk in to your closest dunia financial center. To locate the nearest dunia branch to you visit www.dunia.ae
Email us
Write to [email protected] and a dunia representative will get back to you
Anytime... Anywhere...
Personal Loans Durable Good Loans Car LoansFinancial Centers Car LoansE-mailDunia on-line WebsiteDunia contact center
41
42
DiversityWe believe in diversity, equal rights and creating an open,
nationalities and our people speak more than 30 languages.
Human capitalWe believe that people are a key pillar of our strength and will set us apart and continually provide our customers with a service beyond their expectations. We have selected top talent from around the world, based on their potential, energy, passion, and entrepreneurial enthusiasm.
Commitment Each and every employee plays a critical role in the success of our company. It is therefore our endeavor to provide individuals with a great place to work where they can build lasting relationships, and where talents are recognized, encouraged and rewarded. Most importantly, dunia will be a place where people can learn, grow and have fun.
43
Our people are our key strength
Training and certification
When people join us, they are enrolled into the dunia academy, which is our center of excellence for learning and development, and enrolled in a curriculum designed for their specific role. They are involved in team work, online and classroom training and they are supported by a dedicated Training & Development Team.
At dunia, we help individuals add to their learning & skills and nurture their individual talents through engagement, structured learning and mentoring, and by giving them the opportunity to take ownership of their development. We believe in providing learning in a range of styles that best suit each individual’s needs and preferences.
‘Kawader’ program
As a responsible corporate citizen, dunia is committed to a attracting, recruiting, training and developing talented UAE nationals.
Dunia offers a variety of full-time and part-time programs for UAE nationals to help develop their skills and gain exposure to global best practices.
44
Dunia Cares... “Save the future”
45
Dunia Cares vision
To care and make a difference in the lives and future of our community.
Giving back to the community is at the core of dunia’s values and beliefs. We serve our community by respecting their traditions and enriching their lives through our work, spirit of volunteerism and resources. We are a responsible player and believe action is better than words.
SAVE THE FUTURE
Empower Enrich
CUSTOMER YOUTH AUTHORITIES DUNIA TEAM
EDU
CATI
ON
Shape
the Future
Save
for Future
HEA
LTH
Safe
in Future
ENV
IRO
NM
ENT
Preserve
the Future
EXPERTISE REGULATORY SOCIETY INDUSTRY CUSTOMER STAKE HOLDERS
Products Services
Enable
SOCI
AL
RESP
ON
SIBI
LITY
46
Through our spirit of
volunteerism, we serve our
community, respect their
traditions and enrich their
lives. In big and small
ways, we do what we can
to make a difference
47
Dunia ‘Speak Easy’ English Language Program
March ‘09 - As part of our Dunia Cares programme, our commitment is to empower our community
through education. Dunia launched this program which is aimed at empowering office helpers, security
guards, drivers and messengers with basic conversational English skills. The program has 31 students in
the first batch. Dunia staff were instrumental in making this program a success by preparing the course
material and delivering the weekly sessions to students.
Pink Walkathon
November ‘08 - Breast cancer is the most common form of cancer among women in the UAE. Dunia
employees participated in the Pink Walkathon to raise awareness for this disease and support the cause
by collecting funds that went towards cancer relief programs.
48
Taking a closer look...
Blood Donation Drive
January ‘09 - We believe in promoting wellness, and doing what we can to help one another - especially
if we can help save lives. To do this, we partnered with blood banks across Dubai and Abu Dhabi to
encourage staff and public to donate blood. Dunia and the local community supported the cause
and made a big difference as over 140 donors came to the event and gave blood. This initiative was
recognised by the Government’s Department of Health & Medical Services who recognized dunia’s
contribution and support.
Special Needs Center Fun Bazaar
November ‘08 - The Special Needs Families Center aids young adults with special needs. Dunia worked
hand-in-hand with the Center to hold a Fun Bazaar fund raising event whereby dunia staff took part in
various activities to make it a successful event. Over AED 100,000 was raised at the event.
Shoe Box Appeal
October ‘08 - Dunia held a week long event in an effort to collect essential daily items for construction
workers It was an organization wide effort as employees were split into 5 teams, each competing to
collect the most items. In this friendly contest and fun event, the team managed to collect over 3,300
items that were later distributed to construction workers, putting a big smile on their faces.
49
Dunia press room
Hend Al Ali, HR Manager - Dunia was recently honoured with the “Emiratization Champion” award by the Government of Dubai. Nov ’08
Rajeev Kakar, Executive Director & CEO - Dunia (center) being given the award by Nigel Rodrigues, CEO - CPI Financial (right) and Robin Amlot, Managing Editor - CPI Financial (left). Jun ’09
Rajeev Kakar, Executive Director & CEO - Dunia (left) receiving the award from HH Ruler of Sharjah, Sheikh Dr. Sultan Bin Mohammed Al Qasimi. May ’09
Special recognition for supporting and developing UAE talent
Dunia awarded Banker Middle East Industry Awards 2009
for ‘BEST USE OF TECHNOLOGY’
50
Dunia well positioned as a responsible lenderGulf News, May 2nd, 2009
Positive outlook from DuniaEmirates Business 24x7, April 8th, 2009
Ministry of Finance and Dunia Finance sign agreement to perform bank guarantee E-registration serviceAl Itihad, June 24th, 2009
Dunia confirms opportunities in UAE market despite the crisisAl Itihad, June 28th, 2009
51
Brand Philosohpy
Our ‘can do’ attitude and positive approach to finance will make every aspect of banking simple. Moreover, we are dedicated to becoming the most trusted and accessible financial brand on the market, via our extensive branch network and dedicated staff.
What does dunia mean?
Dunia means “the world” in several languages (Arabic, English, French, Russian, Tagalog, Hindi, Malayalam, Tamil, etc.) spoken in the UAE and the world. Dunia will mean ‘a better world’ to the millions of people that we serve.
Brand Beliefs
We believe that all individuals, regardless of race, gender, nationality or social status have the right to be treated with respectWe believe in constantly providing relevant services & incentivesWe believe simplicity can be achieved in financeWe believe in being part of the communities we serveWe believe a positive attitude will show across all our departments and put a smile on our customer’s face
Dunia brand
Dunia ad gallery
52
Our board of directors
53
Salem Rashid Al NoaimiChairman
Salem Rashid Al Noaimi is CEO of Waha Capital PJSC. Salem
was previously the Deputy CEO of the company and CEO of
Waha Leasing, a wholly-owned subsidiary of Waha Capital.
Prior to that, he worked in the investments department of
Dubai Islamic Bank. His previous work experience includes
stints at Dubai Islamic Bank, UAE Central Bank, the Abu
Dhabi Fund for Development and Kraft Foods. Salem
holds a Bachelor’s Degree in Finance and International
Business from the Northeastern University in Boston, USA.
Currently, Salem holds board directorships of several local
and regional companies such as Abu Dhabi Ship Building, Siraj Finance, Mena Infrastructure Fund
and Bahrain’s Addax Bank.
54
Rajeev KakarExecutive Director & CEO
Rajeev is the Executive Director and Chief Executive
Officer of Dunia Finance, headquartered in UAE. He is
also concurrently the Regional CEO for the Central Europe,
Middle East and Africa (CEEMEA) region for Fullerton
Financial Holdings (FFH), and the Executive Vice President
& Senior Global Management Committee Member of FFH
in Singapore. In this role, he heads Consumer Banking for
all of Fullerton’s Bank & Financial Services Operations,
Investments and Holdings, across the globe. Rajeev is
a Director on the board of Fullerton Securities Wealth
Advisors (FSWA), headquartered in India and was also an Independent Director on the Board of
Visa International for the CEEMEA region, between July 2004 and February 2006. Until January
2006, he was the Regional Head & CEO for Citibank’s Global Consumer Bank, managing the
Turkey, Middle East and Africa region, based out of Dubai. Rajeev has more than two decades
in the banking industry in various senior and diverse business and functional roles across various
geographies. Rajeev has an MBA with a major in Marketing and Finance from the Indian Institute
of Management (IIM), Ahmedabad, India and graduated in 1987. He also has a Bachelor of
Technology in Mechanical Engineering from the Indian Institute of Technology, New Delhi, India.
Khaled Abdulla Juma Al QubaisiDirector
Khaled Abdulla Al Qubaisi is Senior Advisor, Acquisitions
at Mubadala. He is also currently Managing Director of
Tabreed and sits on the Tabreed Board of Directors. Khaled
joined Mubadala from International Capital where he was
the Chief Investment Officer. Prior to International Capital
he was Head Corporate Finance & Business Development
at National Bank of Abu Dhabi where he was responsible
for advising companies on funding requirements, placing
debt and equity, and structuring investment products
for the Bank’s retail and private banking division. Khaled
currently sits as Chairman of the National Health Insurance Company ‘DAMAN’ and is a board
member of International Fish Farming Company ‘ASMAK’, Manazel Real Estate Company as well
as the National District Cooling Company ‘Tabreed’, and has been a member of the Chartered
Financial Analyst Institute since 2003. He holds a BA in Finance and Operation Management from
Boston University and an MSc from George Washington University in Washington, DC.
55
Francis RozarioDirector
Francis Rozario is the Director of dunia, and CEO of Fullerton
Financial Holdings Pte Ltd. Prior to his current appointment,
he was the President Director of Bank Danamon in Indonesia
where he spearheaded the successful transformation of the
Bank into a major all-purpose financial services provider in
the local market. Rozario is presently the Chairman of NIB
Bank Ltd (Pakistan), Fullerton India Credit Company (India)
and Fullerton Enterprises Pvt Ltd (India). A veteran banker,
Rozario spent close to 30 years of his career with Citigroup
International. In his last appointment at Citibank, Francis
was based in London as the Global Head for Commercial and SME Banking. He holds a Bachelor’s
degree from Sydenham College of Bombay University in 1974. He also attended the Program for
Management Development at Harvard University in 1987.
Dr. Ahmed Khalil Al-MutawaDirector
Dr. Ahmed Khalil Al-Mutawa is a respectable academic
professional, as he progressed in his academic career since
he held his B.A. in Economics from Cairo University in 1978,
M.A. in Economics from University of North Carolina in 1981,
and Ph.D. in Economics (with Distinction), Georgetown
University, Washington, D.C. in 1991. As a professor, he held
the position of the Chairman of the Economics Department,
and in 1997 became Deputy Vice Chancellor for Planning
(DVCP), United Arab Emirates University. H.E. Dr. Al-Mutawa
had occupied many important positions, among which:
Head of Teaching Assistants; Executive Director, Al-Mustaqbal Economic & Strategic Consultations;
Strategic Development Director at MMI, Deputy Vice Chancellor for Planning (DVCP), United Arab
Emirates University. His latest position has been Secretary-General of Gulf Organization for Industrial
Consulting. Dr. Al-Mutawa has been member in many Associations, Organizations and Boards of
Directors on both local and international levels. Recently, he won the award for industry CEO of the
year 2005. He has contributed many publications, papers, research and studies.
56
Our management team
57
Barlas BalabanerOperations Head
Barlas has worked in the Banking Industry for almost 22 years, in various
geographies such as Australia and EMEA, and has diverse experience
in both Consumer and Corporate Banking Operations / Technology
Management and M&A projects in the areas of Infrastructure startups,
Branch Network expansion, Data Center Operations, Technology
Organization Management, Quality Assurance, Productivity, Financial
Control, and Customer Service Excellence. Barlas’s last assignment
prior to joining Dunia was the Operations and Technology Director
for Citibank’s Global Consumer Bank, in Turkey and Executive Board
Member of Citibank A.S.
Rajeev KakarExecutive Director & CEO
Rajeev is the Executive Director and Chief Executive Officer of Dunia
Finance, headquartered in UAE. He is also concurrently the Regional
CEO for the Central Europe, Middle East and Africa (CEEMEA)
region for Fullerton Financial Holdings (FFH), and the Executive
Vice President & Senior Global Management Committee Member
of FFH in Singapore. In this role, he heads Consumer Banking for
all of Fullerton’s Bank & Financial Services Operations, Investments
and Holdings, across the globe. Rajeev is a Director on the board of
Fullerton Securities Wealth Advisors (FSWA), headquartered in India
and was also an Independent Director on the Board of Visa International for the CEEMEA region,
between July 2004 and February 2006. Until January 2006, he was the Regional Head & CEO
for Citibank’s Global Consumer Bank, managing the Turkey, Middle East and Africa region, based
out of Dubai. Rajeev has more than two decades in the banking industry in various senior and
diverse business and functional roles across various geographies. Rajeev has an MBA with a major
in Marketing and Finance from the Indian Institute of Management (IIM), Ahmedabad, India
and graduated in 1987. He also has a Bachelor of Technology in Mechanical Engineering from the
Indian Institute of Technology, New Delhi, India.
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Mariam ElsamnyMarketing & PR Head
Mariam Elsamny is a double MBA holder from University of Chicago
(2008) and from the American University in Cairo (1997). Her latest
role, prior to joining dunia was with Citibank, UAE as Marketing &
Product Head handling the bank’s retail products (for both Mass
Market & Affluent segments) and Marketing Communication &
Internet Channel for the bank. Mariam has handled several key start-
up businesses during her 9 year stint with Citibank - Citibank Egypt,
UAE and Russia. Mariam began her career with Procter & Gamble in
Marketing where she gained a solid marketing foundation.
Raman Krishnan Chief Risk Officer
Raman joins us with more than 20 years of rich banking experience
across India, Singapore and Indonesia. Prior to joining dunia, Raman’s
Bank, Indonesia (a joint venture between Standard Chartered Bank
and Astra International, an Indonesian conglomerate) since November
2005, where he was overseeing Credit, Market and Operational
Risks across the Bank. Before joining Permata Bank, Raman was
heading the Business Risk Review for the Consumer Banking Group of
Standard Chartered Bank based in Singapore. Raman completed his
Post Graduate Diploma in Management from Indian Institute of Management, Calcutta in 1987.
Raman is also a qualified Chartered Accountant from Chennai, India.
Sanjay KaoConsumer Business Head
Sanjay brings a wealth of experience and proven results in consumer
banking across products and in multiple markets. Most recently,
he was the Head of Consumer Finance for RBS Asia, responsible
for China, Taiwan, Hong Kong, Singapore, Indonesia, Malaysia,
India and Pakistan. In this role, he led the Asia Strategy and P&L
streamlining following the RBS acquisition of the ABN AMRO
franchise. Prior to this, Sanjay held senior leadership roles with
Citibank in Asia Pacific, based in Singapore and Indonesia as well
as positions in India, Thailand and Egypt. Sanjay has also worked
in the UAE during 2001 to 2003, when he held the position of Head of Marketing with Mashreq
Bank. Sanjay started his career with Unilever India as a management trainee, and took on sales
and marketing roles during his 7 year stint with them. He holds a Business Management Degree
from the Indian Institute of Management, Calcutta.
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Ali HurbasStrategic Analytics Head
Ali started his career at AT&T Universal Card Services in Florida, US
in 1995, where he held various roles in Finance, Marketing and card
analytics. In 1999, he joined First USA Bank, now JP Morgan Chase,
as the Credit Policy Head for card acquisitions, in Delaware, US. In
2000, he returned to Turkey, joining Citigroup as the Credit Policy
Head. This involved formulation of the credit policies for the business.
Subsequently, Ali moved to the Strategic Analytics Unit of the bank.
Prior to joining dunia, Ali was with Citibank N.A. where he was
Strategic Analytics Head for the Middle East region and responsible
for consumer banking analytics, covering UAE, Bahrain, Egypt and Pakistan, based in Dubai. Ali
has an Industrial Engineering degree from Bogazici University and an MBA from the University of
Virginia’s Darden School.
Hend Al-AliHuman Resources Manager
Hend has over 9 years of experience in the HR field. Prior to joining
dunia, Hend was the HR Recruitment Manager at Citibank, UAE for
several years where she successfully carried out the Emiratization
program, which was highly appreciated by the government
authorities. Before joining Citibank, Hend also worked in Mashreq
Bank - Human Resources. She was running the Bank’s recruitment
programs: Al Tumooh, Graduate Trainee program, Summer Learning
program, Core Time and Al Mashreq Al Mutamyez and other work
based learning schemes. Hend started her career with GASCO in Abu
Dhabi in 1999, after completing a Bachelor in Information Technology from Higher Colleges of
Technology from Dubai Women’s College. Hend was awarded the Dubai Human Development
Venu ParameshwarChief Financial Officer
Venu has about twenty years of experience in the banking industry in a wide range of functions and countries including India, Australia, Korea and the UK. His previous roles include Portfolio Risk Manager
the Consumer CFO for the EMEA region for Citigroup where he was responsible for the finance function across Citigroup’s consumer business in Western and Central Europe and the Middle East. Venu is an Economics Graduate from the University of Bombay following which he completed his Masters in Business Administration from the Indian Institute of Management, Ahmedabad. He is also a Fellow member of the Institute of Chartered Accountants of India.
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Monindra GroverHuman Capital Head
Monindra has over nineteen years of broad based experience in HR generalist and leadership positions with leading Fortune 100 companies like MasterCard, Citibank, Johnson & Johnson, Glaxo Smithkline and British Petroleum in diverse regional roles covering the Middle East, Africa, South Asia and Central Asia. His previous position was as Vice
Middle East and Africa region at MasterCard International. Monindra is an Economics graduate from Delhi University and holds an MBA from the Xavier Labour Relations Institute (XLRI), India.
Anthony D’Souza
three decades of rich and varied work experience across various
regions and geographies. Until April 2006, Anthony was with Trans
first from July 1990-June 1995 as
external consultant on treasury, global asset management and risk
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Dhruv Panchal
the banking and fi
years stint with Citigroup Dhruv has successfully led the technology
startups for the new Citibank Franchises in Central/Eastern Europe
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