Product lead (Personal Loan and Over Draft)
Emirates NBD
مجموع سنوات الخبرة :23 years, 8 أشهر
• Drive acquisition, market share and optimize products’ sales and profitability.
• Partner with sales and digital teams to help increase application / lead conversion by improving on-boarding processes across face-to-face and digital channels.
• Serve as the primary contact for all internal stakeholders on Personal Loan Products to drive solutions to day to day issues.
• Enhance the Lending Value proposition through analysis and segmentation of existing portfolio to understand customers’ needs and behaviors and update the product program/ sales strategies accordingly.
• Providing Support to sourcing channels on daily basis for their cases on basis of Policy and eligibility.
• Ensure product’s day-to-day operations and new initiatives are compliant with regulations and EMIRATES NBD internal policies through regular business control reviews.
• Work with internal stakeholders to build digital capabilities of straight through processing of applications.
• Work closely with partners and stakeholders to ensure smooth delivery of products to the customers.
• Defines pricing rules and levels.
• Ensure management and monitoring of retail propositions.
• Manage and document changes to policies and procedures that are required to drive the client experience and minimize operational risk.
• Ensure delivery channels are trained and well equipped for the product delivery as per customer segment.
• Digital Application Project:
o Focal Point of contact for digital application Process
o Involved in Requirement Gathering and fields rationalization for PL Digital Application.
o Assist All Sales Channel towards adapting to Digital Application.
o Coordinating with RCC & Sales on CRM and BPM loan Process.
o Collated feedback from frontline and suggested process & system enhancements towards improvements.
o Tracked implementation plan and full roll out to branches and RBS.
o Tracked Digital Application sourcing usage and highlights to management
• Review and approve Sourcing Channels request for Rate of interest or charges Discount.
• Make sure approved ROI provided to channels are within cost of Fund.
• Make Sure to increase the yield for assigned channels to meet the threshold Target.
• Providing Support to sourcing channels on daily basis for their cases on basis of Policy and eligibility.
• Conduct Regular meetings to update the Agents on new promos and policies.
• Branch Visits: Regularly visit Branches and obtain feedback on competitor’s offerings and customers’ requirements.
• Approving liability / No Liability Letters:
o Review the customer’s profile / risk score whether customers is eligible for a loan / top up:
o Approve to let go customers that are having high risk hence not eligible for personal loan.
o Pricing and Fee Waivers: Customers moving to competitors in order to benefit with low pricing / interest rate.
o Review and assess customer’s requirements and offer pricing and fees as per risk based pricing. Sometimes require interaction with customers to convince in staying with us by laying down the benefits.
• Attrition Report: Monitor daily / monthly attrition numbers and aim to achieve ZERO attrition on good and profitable customer segment.
• Achieve assigned sales targets in order to contribute to the sales volumes/ revenues.
• Provide quality customer service to ensure customer satisfaction and retention.
• Servicing client’s enquiries, transactions and complaints.
• Ensuring high customer satisfaction levels through a welldeveloped service procedure and processing all customer requirements efficiently and promptly.
• Attend all Customer Care cases.
• Follow up with Customer service requests.
• Supervise the Cash with Tellers at shift end & Cash in Vault.
• Following up the accounts of clients from different segments .
• Provide prompt feedback on all lists provided by management.
•Ensuring high customer satisfaction levels through a well developed service procedure and processing all customer requirements efficiently and promptly.
•Following up the accounts of clients from different segments.
•Servicing client’s enquiries, online transactions and complaints.
•Deliver CCs for the customers and cancel them if not delivered in 60 days .
•Attend all walking in customers at meBnk service unit.
•Attend all meCare cases.
•Provide prompt feed back on all lists provided by management.
•All KYSs to be attend to within a week time when provided.
•Attend all lists ( unsatisfactory, irregular, OD, Hold A/Cs) when required
•Daily review of meBank SUS A/Cs, Appropriot follow up with the customers and other departments, when staff is on leave.
- Study & Prepairing for Microsoft Business Solutions (Navision)
- Useing Microsoft Access in building DataBase for The Stock Takeing
- Prepairing the Infrastructure to have RF-Connections
- Dealing with Windows 2000 Server & the Active Directories
- Dealing with the network
-HR System Analysis and study the current System
1.Start using ORACLE as a Database For HR system.
2.Start using ORACLE programming Tools in developing HR system.
·SQL Programming in Oracle7 & Oracle8i Database.
·For ERP System Using Oracle RDBMS Programming Tools Include:
1.PL/SQL Programming.
2.Developer 2000 Form 4.5 & 6 .
3.Developer 2000 reports 2.5 & 4.
Responsible on Safeway Golden Card Programs (Loyalty Program), Inventory, Payroll, Purchase and Some of the Accounts Programs.
·Dealing with UNIX Operating System.
- Using DOS, WINDOWS, and UNIX Operating System.
- SQL Programming in ORACLE7 Database.
- Data Entry &Typing.
- Cash & Scale Maintenance.
- Computer maintenance ( Software & Some Hardware ).
Oracle 9i OCP (ORACLE CERIFIED PROFESSIONAL) Taking Course In 1. Introduction Into SQL 2. Introduction Into PL/SQL 3. Forms Design by Oracle FORMS 9i
COMPUTER PROGRAMMING AND SYSTEM ANALYSIS PROGRAMMING LANGUAGES BASIC , COBOL , PASCAL DATABASE MANAGEMENT FOXPRO , ORACLE SQL
scientific section