FINANCIAL CONSULTANT/WEALTH & RISK MANAGER - CERT-CII (UK)
Nexus Insurance Brokers
مجموع سنوات الخبرة :18 years, 5 أشهر
Nexus Insurance Brokers / Nexus Financial Services are the largest financial advisors in the GCC region offering a composite suite of insurance, savings and investment products to both corporate and individual clients from a range of international and domestic product providers.
Office: 4th Floor, Emaar Square Building 1, Burj Downtown Dubai, United Arab Emirates
Achievements and Qualifications:
• CERT - CII UK (Chartered Insurance Institute - United Kingdom) and Economics - Political Science Graduate with Distinction.
- Certificate in Insurance and Financial Services from the Chartered Insurance Institute (CII) United Kingdom, Patron Her Majesty the Queen:
• CII UK Award in Investment Planning (AWP)
• CII UK Award in General Insurance (Law)
• CII UK Award in Financial Planning (AWF)
• Conferred with the Quick Start Award (QSA)/Montblanc Award.
Responsibilities:
• On the corporate side, as a Financial Consultant and Risk Manager, I meet Financial Directors, company Risk Managers and their authorized representatives to evaluate their company profile, needs, preferences and risk exposure; thereby present with them solutions and group policies to manage and protect their personnel, organization's assets and legal liabilities.
• On personal financial planning as a Financial Consultant and Wealth Manager, I discuss with individual clients the concept of holistic financial planning; on how they can protect and manage their current personal circumstances and financial commitments while addressing their future financial and personal goals. If need is established, I recommend bespoke financial advice tailored to the individual need of the client(s) whether it is insurance/income protection plan in the eventuality of unforeseen events and medical condition expenses or planning for retirement, education and other life priorities.
• Design and propose the most fit and suitable Insurance/Product Provider to the client(s) and hold a complete discussion on the construct, features, benefits, pricing and charges thereof.
• Manage customer experience from the financial planning discussion and the presentation of solution to the servicing and processing of insurance and investment claims. Maintain and develop long-term relationships with existing and prospective clients.
• Present with clients the designed online portal, digital access and processes.
• Work closely with global and regional insurance and investment companies on providing clients with the best insurance and investment solutions; preparing and presenting client feedback and concerns on efficiency and service and recommending better processes and procedures.
• Present with the company, opportunities for business development and improvement of service.
• Build market expertise by participating in worldwide fora for financial advisers and investors to be able to discuss with clients the market condition, forecasts and performance of funds, changes in policies, regulations, and laws affecting their policies.
• Acquire high-net-worth individuals (HNWI) and propose with them appropriate insurance and investment solutions.
• Explain the objectives and importance of financial planning and commitment thereof.
• Service existing clients and review their current financial provisions in order to align the same to changes in their changing circumstances in life. Help clients progress toward their professional and personal financial goals.
• Advise clients on the best way they can manage their monthly income and expenses, assets and liabilities as well as evaluate their priorities.
• Provide an atmosphere where internal and external clients will be encouraged to be open and honest in their disclosure of information, circumstances and/or issues.
“Dubai First is one of the leading consumer finance companies in the UAE, specializing in Liability, Loans and Credit Card products. The company strategy is based on building sustainable long term value through innovation in harnessing a genuine customer service experience.”
Marketing and Sales Department
Office: Burjuman Business Tower, Dubai, UAE
ACHIEVEMENTS:
• Achieved monthly targets in two (2) weeks of service. Consistently achieved business and team targets.
• Generated the highest revenue on loans, balance transfers and insurance plans consistently.
• Managed the department’s retention program and activity for clients requesting account cancellation; retained the most number of clients and overachieved conversion of no-use no-payment (NUNP) customers by 100%.
• Handled the department’s official business correspondence with the department heads of Marketing, Collections and Operations for approvals and processing of varying requests such as insurance application, charge reversals, upgrades, complaints, account maintenance, etc.
• Delivered the highest rate of customers who activated and utilized their accounts.
• Awarded with the Best Table Topics Speaker by Toastmasters International; also conferred with the Best Speaker by Dubai First.
RESPONSIBILITIES:
• Identify the needs and concerns of clients by engaging them in a concise discussion. Recommend and book appropriate products and service for clients such as credit card loans, balance transfers and insurance plans.
• Manage the department’s account retention and/or cancellation requests; coordinate with other departments the processing of requests. Convince clients who request credit card cancellation to retain their accounts and start using it by advising on advantages and proper use.
• Train new officers and share best practices with fellow senior officers.
• Negotiate with clients to maintain the existing insurance plans in their accounts.
• Upgrade clients’ accounts, taking into consideration their requirements and interests.
• Coordinate with different departments such as Credit, Operations, Fraud, Contact Center and Branch in processing requests and addressing concerns of clients.
• Conduct surveys on general insurance plan requirements.
ACHIEVEMENTS:
• Named as Collections Champion; also conferred with the distinction, “Star of Collections”.
• Recorded the highest rate of resolution and normalization of delinquent accounts.
• Trusted to train newly-hired officers.
• Confirmed employment in record time, two and a half (2 ½) months of service compared to the regular six-month probationary period.
• Topped the functional area in resolution and normalization of delinquent accounts.
• Served as team captain of the championship team in the company-wide Team Building Activity.
• Nominated as Fursan of Dubai First; served as speaker and coordinator of various functions.
RESPONSIBILITIES:
• Share best practices with newly-hired collection officers.
• Employ the department’s collection strategy to delinquent credit card accounts with three to four months of delayed payments.
• Discuss with clients face-to-face the best settlement possible for their accounts.
• Assist the Legal Department in helping clients release their legal cases.
• Handle balances ranging from 3 Million AED to 7.5 Million AED.
• Offer settlement programs in line with the promotional payment setup of the department.
• Prepare and submit daily report of status of accounts and actions to be taken thereof.
• Help teammates in their clients as deemed necessary to achieve the team and business targets.
"Founded in 1865 to finance trade between Asia and the West, today HSBC is one of the world’s largest banking and financial services organizations serving more than 37 million customers worldwide. Headquartered in London, HSBC operates through long-established businesses and an international network of around 4, 000 offices in 70 countries and territories.”
ACHIEVEMENTS:
• Topped the functional area in Kept Rate (resolved and normalized credit cards) consistently; a team player: every team joined since hired was conferred the Best Team Award.
• Conferred with five Good-to-Great (G2G) Awards in recognition of exemplary performance and substantial contributions at workplace and in meeting business targets.
• Promoted to higher-grade level three times in record time, 15 months of service.
RESPONSIBILITIES:
• Control the delinquency levels of the bank by implementing bank policies and procedures in consonance with the Philippine laws alongside rendering outstanding service to different kinds of clients ranging from Front-end (30-60 days delayed payments) to Midrange (60-90 days delayed) then to Hardcore (90-120 days delayed) and Gold to Premier (high-profile) accounts.
• Give advice to clients on how to handle their accounts in the most effective way possible without sacrificing the interests and image of the bank.
• Send email and payment scheme correspondences to qualified clients.
• Work hand-in-hand with other departments such as Charge-back and Fraud (for disputed transactions), Customer Service, bank branches, among others.
• Compile and analyze customer feedback forms and report the same to concerned officers to further improve current processes and customer service.
Hongkong and Shanghai Banking Corporation
Collections and Recoveries Department
Credit Risk Management (CRM)
The Fort, Bonifacio Gobal City, Philippines
Lead the Council in all its endeavors with the principle of upholding the rights and welfare of the students and the people.
(The Council was awarded with the Gawad Edgar Jopson Pagkilala sa Natatanging Sanggunian ng Mag-aaral sa Buong Pilipinas (Best Student Council in the Philippines) - conferred in Davao City on December 5, 2005 by the National Union of Students in the Philippines (NUSP), (an organization composed of Student Councils from public and private academic institutions nationwide) in recognition of the Council’s exemplary performance and service to its constituency and community.)
University Award for Academic Excellence and Leadership Graduated with a General Weighted Average (GWA) of 1.7643 (falls short by .0143 to graduate with Honors, 1.0 being the highest rating). College Scholar of the University of the Philippines. Academic Scholar of Armed Forces and Police Savings and Loan Association, Inc. (AFPSLAI). Chairperson, University Student Council (Conferred a National Distinction for programs and policy reforms) Chairperson, Economics Society of the University of the Philippines. Consultant of the Council's Official Publication.
Class Valedictorian (Highest Academic Honor) Presidential Leadership Award President, Supreme Student Council Editor-in-Chief, The Thomasian (official publication) Oratorical Champion Extemporaneous-Speech Champion