بهارات BHATIA

Key Result Areas:
• Facilitating business growth by delivering high-quality solutions, establishing high value HNI accounts & customer retention
strategies
• Managing all transaction processes and delivery of services; providing services to existing customers and improving all aspects
of customer relationships
• Promoting core banking products to New to Bank (NTB) customers for the opening of new savings & current accounts, personal
loans, credit card portfolios and liabilities products
• Developing a strategic business with long-term business strategy & planning, development of products, processes,
organizational structure, risk management policies and business and manpower planning
• Planning and taking strategic decisions & managing the operations; preparing MIS for submitting to compliance department/HO
• Analyzing nature of customer’s transactions on daily basis and pitching products accordingly
• Achieving high C-SAT for internal customers, stabilizing the process stabilization and delivering at par productivity in a short
time span
• Working on client feedback and escalations with the objective of improving upon services
• Monitoring monthly metrics & KPIs, ensuring adherence to operational standards
• Streamlining entire banking operations and ensuring compliance, quality & risk control in line with banking policies; evaluating
internal control systems to highlight shortcomings & implementing necessary recommendations
• Leading & monitoring the performance of team members to ensure efficiency in operations and meeting of individual and
group targets; organizing & imparting trainings to team members for enhancing their productivity & skills
Highlights:
• Successfully managed non-borrowing portfolio with total liability book of 406 Mn
• Led the operations relating to selling of SME liabilities products including Business Current Account, Call Account, Offshore
Company Account and Cash Management Account for LLC, FZE, FZC, branch of foreign company and BVI company
• Managed, and ensured 100% secured accounts & sourcing different trade/treasury products
• Steered overall operations encompassing sales, marketing, customer acquisition, customer relationship management, &
revenue maximization while ensuring internal compliance
• Established service level agreements with business units & stakeholders; evaluating risk, cost, resource requirements &
• schedules associated with projects and submitting the effective delivery opinions
• Achieved complex business challenges and making high-stakes decisions using experience-backed judgment; driving new
business through key accounts and establishing strategic partnerships to increase revenue

Trainings:
• Fitch learning training on Trade and working Capital

Role: Selling SME liabilities products such as Company Accounts and Asset products, including business loan and trade facilities
Highlights:
• Successfully provided comprehensive business finance solutions for business generating sales turnover ranging from USD 1
million to USD 30 Million
• Managed a gamut of banking products such as Letter of Credit, Bank Guarantee, Over Draft, Trust Receipt, Local Bill Discounting
(Invoice, Bills, Cheques), L/C Discounting, and Payment against Document
• Sold SME liabilities products such as Business Current Account, Call Account, Offshore company account and cash management
account for LLC, FZE, FZC, Branch of foreign company and BVI company

Role: Processing of SME Business Loan, selling overdraft facility to existing merchants of MashreqBank & other bank merchant
machine holders
Highlights:
• Established business relations with the key personnel of the assigned companies
• Contacted prospect customers, to provide facilities and cross sell other retail banking products
• Reviewed and analyzed applicants' financial status, credit, and property evaluations to determine feasibility of granting loans
• Informed customers about various types of loans, services and other options services
• Coordinated with potential clients, and relationship managers regarding L.C, T.T, Term loans and Cross selling of different
products

Role: Resolving customer quires by coordinating with other department officials, and managing dispatching of materials
Highlights:
• Entrusted with the responsibility to do the following:
o Resolve customer queries
o Manage dispatch of material goods
o Organize training program regarding safety and security
Achievements: Won Bravo Awards for Quarter 3 and Quarter