AVP Area Manager - Business Banking Liability & Cash Management
Abu Dhabi Islamic Bank
مجموع سنوات الخبرة :24 years, 0 أشهر
Leading team of Unit Heads, RMs, and Business service officers.
• As a deputy manager for 12 years managed Head of Business Banking - Liability.
• Employed a strategic approach by emphasizing the development, guidance, and leadership of my team to consistently meet & exceed the required targets.
• Ensuring that bank's liability products business grows and achieves agreed growth, profitability, and customer satisfaction objectives.
• Defined business strategies and roadmaps to drive performance across all departments, liability, compliance, digital transformation, budgets, legal departments, and customer service.
• Collaborate closely with the compliance department, ensuring strict adherence to regulatory requirements, including Anti-Money Laundering (AML) & sanctions.
• Actively engaged with the compliance team, providing input & support in all decision-making processes related to control & monitoring of business accounts.
• Cultivate robust relationship with key clients in the portfolio, diligently ensuring their satisfaction with the Bank’s services as well as their assigned RM.
• Increased new business connections and revenue generation opportunities by improving networking strategies.
• Providing clients with market-relevant business advice, not only on finance but also on other aspects of business.
• Established with manager first business banking Liability unit in the UAE, generating more than 90% of the department revenue.
• Trained and hired new exceptional candidates to maximize productivity.
Duties:
To manage a team (Relationship Managers, Relationship officers, Operation officers & coordinators) across Abu Dhabi and Al Ain region.
Developing and maintaining portfolio of large to medium size corporate customers in Abu Dhabi and Al Ain.
Working closely with Marketing department developing new product as per customers and market needs.
Formulate and implement unit’s sales and retention strategies for existing and new customers.
Regularly review the market to identify opportunities in allocated segments and develop proposals for approval.
•Implement promotions and selling strategies to achieve the sales objectives agreed for self & Team Products (House Finance, Investments, Car and Goods Murabaha, Credit Cards).
•Implement / monitor delivery of QUALITY service to customers and maintain consistency.
•Appraise, develop, coach and motivate staff to ensure required levels of competency and productivity.
•Interact with all cross-functional depths within the Retail Bank to ensure problem free operations & superior service delivery at all times.
•Guide & coach Team to prepare accurate credit proposals for MURABAHA products & credit / charge cards to reduce rejection rate.
•Ensure that the targets / goals distributed among the Team are based on market segment potential and more than meet Business plan requirements.
•Lead customer service Team to implement and monitor predetermine sales and customer service standard.
•Manage and recommend branch daily workflow changes for greater efficiency.
•Purpose and Scope Develops and maintains strong relationships to enhance Bank’s profitability.
•Take personal responsibility for the establishment and maintenance of key relationships to leverage business achievement.
•Comply with the approved policies, procedures and norms to protect the organization’s and customer’s interests.
•Manages portfolios of existing customers and aims to researches opportunities to gain new customers/cross sell products/services to improve Bank’s financial position.
•Manages portfolios of credit clients. Maintains and develops relationships exploring opportunities to provide additional services and developing new solutions to improve business.
•Review financial analysis, risk evaluation and credit review to evaluate the Clients and prospects credit worthiness. Prepares a comprehensive proposal and makes accredit write up to the management for approval ensuring a high quality portfolio.
•Keep close monitor on market trends in relation to customer requirements and place recommendations to Area sales manager and the management on the same.
•• Coach, Train and Evaluate 65 RBE’s (Retail Banking Executive), CSR’s, Supervisors and Team Leaders Define precisely individual goals and objectives to each of them, Motivating them and training them to improve there sales skills, product knowledge, how to approach customers, create the needs and closing deals.
•Monitor sales representative’s proposals, reports, sales calls records and validate commission payable monthly.
•Conduct weekly sales meetings.
•Maintain through knowledge of competitor products, pricing and marketing activity.
•Collate market information/data to recommend and assist the department head to formulate business development strategies.
•Submit periodic reports to Area sales manager on activities, achievements forecast, budgets and future plans.
•Prepare and review weekly Sales Report with Supervisors and RBE’s.
•Manage RBE performance to improve average performance ratings.
•Regularly visit Car showrooms and Company decision makers to strengthen the relationships and seek better share of business to Support Sales Team.
•Maintenance of MIS related to documentation and loans.
•Assist Direct Supervisor in RBE recruitment.
•Develop good working relations and coordinate with the other departments to achieve common goals.
•Manage the team of Sales Supervisors and work closely with them to ensure that all routes and areas are covered aggressively and that the Sales Supervisors understand the sales plans for their particular area; monitor the same through constant market visits.
•Ensure that the sales team is implementing proper merchandising techniques monitor the same through constant market visits.
•Visit the key outlets on a regular basis and ensure proper distribution of Company products in the market.
•Ensure that the sales team provides regular frequency of service.
•Conduct on-the-job training along with the Sales Supervisors in order to ensure that sales, distribution and collection objectives are being achieved.
•Set the Supervisors' monthly targets and ensure their achievement.
•Handle all customers and/or consumers complaints promptly and efficiently.
•Control the expenses and operate within the approved budget.
•Front-end sales and market development efforts including company/market.
Chaudhary Charan Singh University (formerly, Meerut University) was established in 1965, to cater to the needs of higher education in western Uttar Pradesh. *Known and recognized by Ministry of higher education in UAE.
April 2008 Terminologies & Sharia Concepts in Islamic Finance. Feb 2007 Customer Service Management Nov 2006 People Management Skills Mar 2006 Decision Making. Jan 2006 Becoming a Manager. Dec 2005 Retail Banking. Aug 2005 Management Functions. Nov 2005 Manager Skills & Tasks. Oct 2005 Introduction to Mgmnt. . July 2005 Investor Financial Analysis and Assessment. July 2005 Emirates Islamic Bank Funds . Jun 2005 Islamic Product Portfolio. Jun 2005 Investment. May 2005 Anti Money Laundering: Law, Regulations & Best Practices. Feb 2005 Financing Through Partnership (Mudharaba / Musharaka). Dec 2004 Leaders-Born or Can be Made? Oct 2004 Islamic Jurisprudence . Sep 2004 Islamic Banking Products & Operations. May 2004 Retail Sales & Service Mgmnt . Oct 2003 Coaching Skills. July 2003 Successful Office Mgmnt . Mar 2003 Bank Asset Products & Bank Operating System. Jan 2003 Project Financing by Modes of Manufacturing / Construction Agreements. Nov 2002 Cross Selling. Nov 2002 Achieving Targets & Meeting Deadlines. Oct 2002 BOB URICHUCK Certified Why Sales People Succeed. Oct 2002 Problem Solving and Handling Customer. Oct 2002 Banking Fundamentals & Retail Products.