Nazia Qamar

• Relationship management of existing portfolio- in excess of 300 relationships.
• Detailed Business reports submitted to VP on daily, monthly performance & Sales review/ projection.
• Regular field visits to existing clients for up selling, & submitting client service satisfaction reports.
• Sales and distribution expansion-X-sell & telemarketing unit setup, corporate companies tie up, investment seminars & road shows conducted.
• Client advisory & fund management services provided, upon tracking of local & international markets/indexes.
• Staff targets supervision and training of new hires.
• Keen tracking on insurance industry, new market trends on BRIC Countries & emerging markets & updating sales force on the same.
• Proposed & designed monthly incentive structure, prepare monthly sales contest boosting sales volumes by 30%.
• Acquisition of priority banking relationships through corporate clients, HNIs networking & client referrals.
• Database management of leads through referrals, selective marketing, field visits, & mass emails, driving productivity increase by 40%.
• Liaise with product specialists when required.

Managed all aspects of card sales & marketing encompassing brand development, target strategy, policy management, lead generation, collateral development and branch management. Managed up to 100 staff and reported to VP Sales & Cards Business Head.


• End to end department expansion from 20 to 100 staff. Managed productivity of 25 cards.
• Independently handled Sales Branch for targets, staffing, inventory & administrative responsibilities.
• Responsible for setting & achieving KPIs including sales volumes, merchant tie-ups, bulk acquisition.
• Effective territory management of Dubai and Northern Emirates; increased sales penetration by 40%.
• Added 4000+ companies to cards TM List, Top Sales manager for niche market development.
• Effective policies & resource management, design incentive programs, performance reports, credit & sales reviews, budget reports.
• Staff recruitment, training & performance management; increase in DSA productivity by 50%
• Establishment of sales channel for acquisition of new profitable cards, managed cards retention, customer services queries, & X-sell revenue targets.
• Executed marketing programs i.e. Kiosk Management, E-marketing, brand enhancement events; increased lead generation by 30%.
• Strict adherence to compliance & AML requirement

Portfolio Management

• Successfully achieved key targets of Balance Transfers, Quick Cash, Easy Buys Card, Internet Card and Supplementary Cards thus growing cards CIF by 70%.
• Achieved successfully in excess of 500 policies for all insurance products increasing revenue by 60%.
• Monitored and managed to keep cards attrition below 15%. Submitted a detailed business report of 20% clients sourced every month for service quality and customer retention.
• Managed a team of 5 staff to convert 60% NUNP customers through customer education of benefits and retail spending offers every quarter.

Led the sales team to meet the yearly objectives in Northern & Southern Emirates. Established the sales team of 10 staff and reported to Sales Manager and Head of Cards Business.


• Identified niche companies to be added to TM list.
• Identified opportunities for cross sell products like Citi-gold & NRI accounts, Easy Loans.
• Key accounts manager for GRB companies like Nokia, J.Ray McDermott, Gillette ME, Sony Ericsson.
• Manage productivity of 21 cards/SE.

• Prepare Performa invoices for import & export orders, handle office administration tasks.
• Communicate & co-ordinate with customers & suppliers as directed
• Work closely with Director for appointments, maintain travel schedule, hotel bookings etc.
• Prepare and handle HR & PR documents as advised.
• Maintain all client database, filing & office records.

• Meet sales revenue targets for pre-conditioned vehicles.
• Manage incoming customers for vehicle testing, job orders and billing.
• Prepare HR documents as required.

• Ensure timely delivery, & handle customer service queries.
• Assign job cards, & co-ordinate with body shop & other units for service.
• Co-ordinate with Director for appointments, daily schedule.