Total Years of Experience: 17 Years, 5 Months
January 2015
To Present
Sales and Service Officer
at Mashreq Bank
Location :
United Arab Emirates - Dubai
Since Jan 2015 with Mashreq Bank (UAE’s leading Bank) as Sales and Servic Officer - Personal Loan / Small Business Loan / Islamic Finance & non assigned products (Credit cards/ BCA & Insurance)
Key Deliverables:
• Prospecting and on boarding new-to-bank Small Business clients for Self Employed Personal loans, Business loans, Credit cards, Merchant Overdraft, POS loans, Insurance products (Life and Medical) and other business finance facilities (Multi Product)
• Conducting customer business due diligence to ensure adherence to banks policies and prudent lending practices.
• Responsible for end to end process of Credit Card application, Loan file, Current account & disbursal.
• Analyzing customers audited financials, bank statements, business invoices/contracts and other source documents to assess their business performance and credit worthiness.
• Preparing loan proposals in accordance with banks policies and pursuing the cases with credit to ensure timely disbursals by addressing their reservation/observations.
• Minimizing rejections in account opening and loan applications by adhering to policies and processes of the bank.
• Soliciting new business leads for Trade and Working Capital finance as well as payroll and Business accounts.
• Analyze potential loan markets and develop referral networks to locate prospects for multiple products.
• Develop and maintain strong working relations with all existing clients at key levels to optimize the utilization of approved facilities.
Key Deliverables:
• Prospecting and on boarding new-to-bank Small Business clients for Self Employed Personal loans, Business loans, Credit cards, Merchant Overdraft, POS loans, Insurance products (Life and Medical) and other business finance facilities (Multi Product)
• Conducting customer business due diligence to ensure adherence to banks policies and prudent lending practices.
• Responsible for end to end process of Credit Card application, Loan file, Current account & disbursal.
• Analyzing customers audited financials, bank statements, business invoices/contracts and other source documents to assess their business performance and credit worthiness.
• Preparing loan proposals in accordance with banks policies and pursuing the cases with credit to ensure timely disbursals by addressing their reservation/observations.
• Minimizing rejections in account opening and loan applications by adhering to policies and processes of the bank.
• Soliciting new business leads for Trade and Working Capital finance as well as payroll and Business accounts.
• Analyze potential loan markets and develop referral networks to locate prospects for multiple products.
• Develop and maintain strong working relations with all existing clients at key levels to optimize the utilization of approved facilities.
May 2013
To January 2015
Relationship Manager
at DCB Bank Ltd
Location :
India - Hyderabad
Key Deliverables:
• Conduct comprehensive review of client portfolios (approx. 300 clients), including meeting with clients to assess strategies based on objectives and risk profile, identify opportunities, and prepare customized product recommendation suggestions.
• Analyzing information and preparing plans best suited to individual clients' requirements contributes to the business development to meet business targets.
• Good knowledge of various financial products/services offered by the bank pertaining to Working Capital, Term Finance Investment banking & Treasury products.
• Complete knowledge and clear understanding of the bank’s credit policy and operating systems
• By drawing up business calling programs, seeking new clients, proactively liaising with Business Segments and looking for suitable SME opportunities
• To evaluate/monitor credit risk on an on-going basis, for new and existing clients/customers, so as to minimize loan losses.
• By evaluating, recommending and structuring facilities, reviewing facilities and ensuring that the risk to reward ratios are acceptable.
• Cross selling of Banking products to family members of portfolio customers viz. SB Accounts, Current Accounts, Term Deposits, Mutual Funds, Demat Account and Insurance products
• By assisting in the implementation of audit recommendations and ensuring compliance with applicable policies.
• Conduct comprehensive review of client portfolios (approx. 300 clients), including meeting with clients to assess strategies based on objectives and risk profile, identify opportunities, and prepare customized product recommendation suggestions.
• Analyzing information and preparing plans best suited to individual clients' requirements contributes to the business development to meet business targets.
• Good knowledge of various financial products/services offered by the bank pertaining to Working Capital, Term Finance Investment banking & Treasury products.
• Complete knowledge and clear understanding of the bank’s credit policy and operating systems
• By drawing up business calling programs, seeking new clients, proactively liaising with Business Segments and looking for suitable SME opportunities
• To evaluate/monitor credit risk on an on-going basis, for new and existing clients/customers, so as to minimize loan losses.
• By evaluating, recommending and structuring facilities, reviewing facilities and ensuring that the risk to reward ratios are acceptable.
• Cross selling of Banking products to family members of portfolio customers viz. SB Accounts, Current Accounts, Term Deposits, Mutual Funds, Demat Account and Insurance products
• By assisting in the implementation of audit recommendations and ensuring compliance with applicable policies.
October 2006
To May 2013
Branch Sales Manger
at ICICI Bank Ltd
Location :
India - Hyderabad
Key Deliverables:
• New Customer Acquisition Channel
• Portfolio Management and Cross selling of banking products viz. Current Accounts, Mutual Funds, Life Insurance, Gold, Term Deposits. Loans and Health Insurance.
• Organizing and leading a team of sales representatives.
• Responsible for a particular type of product or customer, or you could be the area manager in charge of a particular geographical area.
• Developing sales strategies and setting targets.
• Monitoring your team's performance and motivating them to reach targets.
• Compiling and analyzing sales figures.
• Dealing with some major customer accounts yourself.
• Collecting customer feedback and market research.
• Keeping up to date with products and competitors.
• New Customer Acquisition Channel
• Portfolio Management and Cross selling of banking products viz. Current Accounts, Mutual Funds, Life Insurance, Gold, Term Deposits. Loans and Health Insurance.
• Organizing and leading a team of sales representatives.
• Responsible for a particular type of product or customer, or you could be the area manager in charge of a particular geographical area.
• Developing sales strategies and setting targets.
• Monitoring your team's performance and motivating them to reach targets.
• Compiling and analyzing sales figures.
• Dealing with some major customer accounts yourself.
• Collecting customer feedback and market research.
• Keeping up to date with products and competitors.
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