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In quest of assignments and challenges in Business Development/ Client Servicing/ Portfolio Management/
Team Management or Operations with an organisation of repute.
Vision to excel in my personal & professional goals, to be an asset for my organization & person of value in the
A Business & Finance Graduate with 18+ years of rich experience in the areas of Business Development, branch
operations, Marketing, Client Servicing and corporate client relationship, in the banking sector.
Last position with Dubai Bank as a Asst. Branch Manager & Operations Supervisor - JAFZA Branch
Exposure in sales & marketing a wide range of banking products and achieving business targets.
Proficient in managing sales operations & building relationship with clients & achieving desired goals.
Possess excellent interpersonal communication, relationship management, team building skills with dexterity in
mentoring and managing teams. negotiation, convincing and debt recovery skills.
Large Data base of HNW clients with a total portfolio size of AED 500+ million. HNW personal contacts,
Conventional & Islamic Banking Professional with Corporate banking Exposure & experience .
Multi skilled & Multi tasking professional with wide experience in business management & administration Target
market listing of numerous companies for bank products
Training of new employees ( Citibank & Dubai Bank – Product policies, procedures, Bank systems & Functions)
Handled Supervisory functions of the branch in the absence of Branch manager
Best Sales Executive Award 2002 – Loans, Citibank N.A, Dubai, U.A.E
Approx 400+ Personal Installment Loan sales achieved, Citibank N.A, Dubai.
50 million investment leads from personal contact, Citibank N.A & Dubai Bank
Individual sales contribution of 300+ Personal loans with average Loan size of 60,000/- since Nov 2004, Dubai
Actively increased branch walk- in, based on superior customer service and relationships
Unassigned roles and responsibilities taken and executed effectively on self imitative
Experience in business consultancy, planning and budgeting, project management, Procurement
Exposure in Managing private real estate portfolio
Numerous Customer Compliments and appreciation letters.
Demonstrated superior ability and skills in being organized, hard work, team playing, logical reasoning,
productiveness in all assignments.
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AREAS OF EXPOSURE/ KEY COMPETENCIES
Identifying prospective business, establishing strategic partnership and alliances, generating business from the
existing accounts and achieving profitability and increased sales growth.
Exploring potential business avenues to penetrate new accounts and expand existing clientele; responsible for
mobilization of funds.
Ensuring that the branch/ department is a profit making centre for the bank
Executing the sales and marketing initiatives to achieve designated targets
Identifying prospective clients, generating business from the existing clientele, thereby achieving business targets.
Interacting with the clients on a regular basis & providing the right banking solutions for their problems & resolving
all their queries & complaints.
Mapping client’s requirements and providing them expert advisory services pertaining to selection of right banking
Ensuring customer service & quality standards are in line with the vision of the bank.
Analysing the financial capabilities of clients for providing them apt investment or borrowing solutions, ensuring that
the solutions provided carry the minimum investment risk for customer and Company.
Providing advisory services to clients, based on their wealth portfolio & current market trends and ensuring
retention at all levels.
Large database of HNW retail & corporate customers from 12+yrs in the industry
Leading, managing & monitoring the performance of employees to ensure efficiency in business operations and
meeting of revenue and collection targets.
Imparting training to the executives & bank employees for better productivity.
Conducting meetings for setting up sales objectives, customer service and designing or streamlining processes to
ensure smooth functioning of sales operations.
Staff Performance Management & appraisal
Assisting the branch manager to plan, direct, control sales and services of the branch
Authorizations & approvals of all financial transactions relating to consumer and corporate customers
Maintaining and Enhancing operational standards to safeguard the bank from potential loss
Authorized signatory “A” for all MC/DD & Bank letters
Checking, verification and approval all branch accounts, retail & corporate files, teller transactions
ATM/CDM management, Cost control & Branch Administration
MAR'12 - Till Date - Self employed at Safeware General Trading LLC , Dubai, UAE
Managing Imports, Exports and re -export of wholesale garments and electronics
Management of family real estate business consisting of building, villas, agriculture and home stay facilities in India.
OCT’03 – Till Feb.'12 with Dubai Bank, Dubai, UAE
AS Asst. Branch Manager & operations Supervisor - JAFZA Branch
Managing the daily sales, service and operations of the branch
Consistently achieving and overachieving targets to ensure the branch is a profit centre
Managing and strengthening existing relationships and acquire new to bank relationships.
Monitoring & motivating staff to achieve set targets and performance assigned.
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Consistent performer of assigned targets & goals.
Consistent appreciation from management for being one of the best staff
Recognised for initiating many cost cutting, process enhancing and revenue generating idea
100% staff satisfaction and retention
AUG’00 – SEP‘03 Citibank ,Dubai, UAE
As Sr. Sales officer
As Credit Analyst , As Payroll Analyst, MIS analyst - Additional Assignments
Direct sales, marketing and service of Salary transfer loans and Easy loans
Sales coordination of personal loans and Easy loans depts.
Daily MIS reports on sales, revenue and retention for Personal loan Dept
Was awarded for best sales person of the year in 2002
Recognised for business report on corporate pay roll accounts
OCT ‘96 –Jul ‘00 Obaid Al Sheikh Eng & Cont. Co ,Dubai, UAE
Site supervision and material arrangement, office documentation and day-to-day correspondence. Preparation of
quotations & invoice, Labour supervision
Logistics & accommodation arrangements of staff
BTEC in Business & Finance from Brighton University of technology, UK in 1996
Diploma in computer applications from Emirates computer Institute, Dubai, UAE in 1994
PROFESSONAL CERTIFICATIONS/ TRAININGS
Office Practice Course, BAC, Dubai. - 1993
Operating Systems, Software Applications, BAC, Dubai. - 1994
Sales & service Workshops, Dubai bank, Dubai. - 2005
Anti-Money Laundering -2days, Dubai. - 2005
Measuring Operational Risks, EBIFS, Shj, U.A.E (Dr. Pandy) - 2006
Corporate Banking, EBIFS, Shj, U.A.E ( Dr. Ather) - 2007
Investment banking, EBIFS, ,Shj, U.A.E. - 2007
Islamic Banking Principles, EBIFS, Shj, U.A.E. - 2008
Islamic banking Products and Policies, Dubai bank, Dubai. - 2007
Ron Kaufmann – Up your service course leader certificate. - 2011
Nationality : India
Driving Licence : Valid UAE Driving Licence
Date of Birth : 16
Visa : Resident since 1982
Interests : Sports, Music, Yoga & meditation, Alternative, natural and herbal living , Cinema
References : Can be Furnished on request