kiara singh

• Originated B2B asset finance deals across SME and mid-market UAE clients, building the regional
book from a standing start within six months of joining.
• Maintained anchor enterprise accounts including Sephora, Apple, Sobha Developments, and Caterina
Bakery.
• Structured asset-based financing for retail and technology clients, aligning tenor and repayment to
client cash flow cycles and risk appetite.
• Prepared credit submissions and presented to internal approval committees, maintaining alignment
with Grenke risk thresholds while accelerating deal velocity.
• Negotiated commercial leasing terms across pricing, tenor, and residual value, balancing revenue
contribution with credit quality and long-term portfolio performance.
• Partnered cross-functionally with credit, legal, risk, and operations to compress deal-to-disbursement
timelines on time-sensitive transactions.

• Delivered R175M+ in asset book growth across FY2024-FY2025, consistently exceeding annual
acquisition and portfolio targets.
• Ranked top 5 of 415 bankers nationally across consecutive years based on scorecard performance,
revenue delivery, and portfolio quality.
• Built and managed a HNW portfolio primarily composed of technology professionals and software
developers, deepening Investecs penetration into the South African tech sector through bespoke
client service, deal structuring, and complex credit assessment.
• Led client adoption of Investecs Programmable Banking — the banks only AI-led platform banking
solution in Africa — supporting technology clients in integrating API-enabled banking functionality
into their operating, treasury, and payment workflows via the Investec app.
• Led end-to-end client onboarding and delivered exceptional service across daily banking,
transactional, and lending requirements, converting prospects into long-term funded relationships.
• Formed part of an overflow team that collaborated with external mortgage originators to grow the
portfolios asset book through optimal deal structuring and accelerated approval times.
• Structured vanilla and bespoke financing solutions aligned to Investec credit policy, approval
authorities, and governance frameworks.
• Drove cross-sell across lending, transactional, and investment products, using portfolio analytics to
improve utilisation and retention.

• Fast-tracked into the Private Banker role within 12 months based on consistent delivery, client
feedback, and demonstrated readiness for senior responsibility.
• Supported relationship managers in managing and expanding client portfolios, executing transactional
and servicing requests across key client touchpoints.
• Prepared and submitted standard credit proposals, gaining hands-on exposure to credit assessment,
approval processes, and lending execution.
• Built product expertise across lending, transactional, and investment solutions, contributing to
increased product uptake and client retention.
• Maintained full regulatory adherence across the client lifecycle, including KYC and Customer Due
Diligence under FICA, responsible lending obligations under the National Credit Act, and client data
governance under POPIA — ensuring all onboarding, credit, and servicing activity met Investec
compliance and SARB regulatory standards.

Sales & Global Portfolio Expansion:
Managed and qualified client leads, referring high-potential prospects to the PrivateBanking division and other international branches, contributing to the institution’s global growth.
Channel & Stakeholder Management: Served as a primary liaison among potential clients, internal stakeholders, and existing clients, effectively communicating the bank’s brand promise and value proposition.

• Recognised as top-performing support banker for resolving complex client queries and escalations
while maintaining high service standards.
• Supported client servicing across multiple banking products, handling post-sale queries, digital
banking adoption, and day-to-day transactional requests.
• Ensured all client interactions adhered to Investecs risk, compliance, and governance standards,
building a strong foundation in regulated banking operations.

• Managed high-volume trade finance transactions, including letters of credit and documentary
collections, ensuring accuracy, timeliness, and compliance with internal policies and trade
regulations.
• Coordinated end-to-end operational processing across internal teams, external vendors, and
international counterparties to support on-time settlement and statutory payments.
• Served as a key operational contact for client and internal queries, maintaining strong service
standards within a cross-border, regulated banking environment.

Instruction & Curriculum Delivery:
Prepared and delivered engaging English lessons tailored to the learning levels,
interests, and time zones of students in Asia.
Assessed student progress through regular evaluations, providing constructive
feedback and detailed reports to support continuous improvement.
Student Support & Guidance:
Offered educational and social guidance, helping learners navigate academic
challenges and enhance their confidence in using English.
Encouraged positive learning behaviours, fostering a supportive environment that
catered to diverse cultural backgrounds and learning styles.
Key Value Add:
Built rapport with international learners, developing cross-cultural communication
skills and effectively supporting students linguistic and personal growth.