Branch Manager / Sales & Service Manager
National Bank of Abu Dhabi
مجموع سنوات الخبرة :21 years, 11 أشهر
Full management of the largest branch in Dubai, including sales and business development, budgeting, revenue, cost, and sales team management, customer service, operational control, compliance and customer due diligence as well as legal requirements of accounts. Ensure compliance with regulatory standards and adherence to internal and external policies. Raise preventive action plans and corrective measurements in case of any deviations. Conduct market research, competitor and customer analysis and manage assets, liabilities and investment portfolio.
Selected Contributions:
♦ Consistently exceed assigned financial targets by not less than 140%.
♦ Major contributor of 1 billion sales in a single month, resulting in a significant growth in new business.
♦ Increase branch revenue by 15% and progressively boost operating income.
♦ Achieve satisfactory audit and compliance reports and retention of existing clients with cross and up selling.
♦ Reach sales, revenue targets, and business goals by developing effective sales strategic planning, supporting Area Manager in the development of business plan, and cascading strategies to the individual team members.
♦ Generate business leads by managing sales kiosks, conducting sponsorship events, and working closely with the Product Team.
♦ Lead a team of Universal Advisors to achieve business goals of the branch by managing, maintaining, and improving long-term relationship with retail and commercial customers.
♦ Develop account planning by mapping and visiting potential clients to ensure great opportunities of business.
♦ Monitor account activities and financial condition of borrowing clients and take necessary action to collect past due accounts and ongoing repayment ability of all other accounts.
♦ Resolve administrative issues and ensure provision of necessary infrastructural resources for effective functioning of the branch operations.
♦ Enhance and monitor employee’s productivity and effectiveness through efficient training programs and accurate performance appraisal. Keep the team updated on policy, procedures, and guidelines.
♦ Accomplish periodic review of booked business and tactical planning for enhancement.
♦ Proactively manage turn-around time as laid out by service level agreement.
♦ Top choice Professional Banker by NBAD Group CEO, board members, executive committee, and group talent in building highly talented, multi-divisional international bankers with significant experience and knowledge.
Managed multicultural direct sales team, business development, company listing, key relationship for bulk sourcing, sales promotions and kiosks. Provided a hands-on approach to client management and led a team in acquiring new clients for retail products with focus on various areas in Dubai and Northern Emirates, such as, Sharjah, Ajman, Umm Al Quwain, Ras Al Khaimah, and Fujairah. Regularly provided market analysis and feedback to product development unit.
Selected Contributions:
♦ Continuously surpassed assigned financial targets of up to 125% minimum YOY basis.
♦ Declared top performer pan in UAE for 5 years successively.
♦ Drove 8% business growth in managing marketing campaigns and sales kiosks.
♦ Solely contributor of the 40% companies listed on the bank panel.
♦ Effectively led and managed a team towards achieving or exceeding monthly financial and non-financial targets for the assigned areas, increased the market share in territory by identifying and developing leads.
♦ Continually educated sales team on increasing product knowledge and sales tactics.
♦ Provided a high quality support by liaising with marketing department in developing special sales promotions.
♦ Instrumental in resolving complex and sensitive problems by providing guidance and reviewing recommendations of subordinates and supervisory staff.
♦ Daily monitored the actual business submitted, approved, booked and/or rejected for each sales staff against the assigned target.
♦ Took over the administration of the department’s day-to-day activities in the absence of the Sales Director.
♦ Participated in interview, selection, development, and evaluation of staff performance.
♦ Ensured documentation for a credit proposal is complete and no security shortfall instigates, initiated and guaranteed disbursements and adjustments of loans.
♦ Monitored risk and ensured that the bank’s relationship strategy is in line with the portfolio and industry quality.
Held responsibility for sales and business development, identification of business opportunities in target market, detailed territory plans development, and sales process management for new prospects from initial contact to closure. Reported business performance to Sales Manager, developed and maintained successful business relationships with all customers and prospects through personal meetings.
Selected Contributions:
♦ Exceeded monthly sales targets by 115% and above and achieved all revenue targets and objectives in line with the business plan.
♦ Successfully managed high profile customer base, resulting in a major contribution in bulk sourcing.
Supervised physical verification of borrower, credit review, recommendation and control of mortgaged asset, ensuring submitted documents for credit proposal are complete and without security deficit. Evaluated financial health of client’s business and industry and made recommendation on appraisal of customer loan applications. Authenticated documentation presented for all credit applications that meet the requirements.
Selected Contributions:
♦ Led a team of verification officers and monitored physical verification to provide excellent results for verification checks.
♦ Minimized risk in credit decisions by providing quality review and recommendation for lending proposals.
Accountable for dealing with foreign customers, product’s introduction, cost finalization, delivery terms, export documentation related to bank, custom and other government departments. Managed export related banking matters, including Letter of Credit negotiation, preparation and submission of collection documents, export entitlement, generation of annual export performance and documentation for custom clearing of export/import products. Responsible for rebate claims and monthly sales tax returns preparation.
Selected Contributions:
♦ Managed export division of head office in Pakistan and branch offices in Italy and Spain.
♦ Key representative of the company in business dealing with foreign clients, increased business volume through international marketing.
♦ Implemented business development strategy, pricing and quality control which resulted in revenue growth of 15 million in 12 months period.
♦ Independently managed relationship with banks, customs, and production units.