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Maria Khan, Sales Executive – Banking Products

Maria Khan

Sales Executive – Banking Products·Unicorn Commercial Brokers

United Arab Emirates

Bachelor's degree, Art

Work experience

Total years of experience: 7 years, 6 months

Sales Executive – Banking Products

January 2025 - Present

Unicorn Commercial Brokers

Dubai, United Arab Emirates

January 2025 - Present

• Sell RAK Bank credit cards, personal loans, and loan buyout (debt consolidation) products to new and existing
customers in the UAE market.
• Identify prospective clients through cold calling, referrals, and field visits; manage end-to-end sales cycle from lead
generation to disbursement.
• Conduct financial needs assessments to recommend suitable RAK Bank credit and loan products aligned with each
customers profile.
• Process loan buyout applications by reviewing existing liabilities and offering better interest rate solutions to transfer
outstanding balances to RAK Bank.
• Consistently meet and exceed monthly sales targets for credit cards and personal loans while maintaining full
compliance with UAE Central Bank regulations.
• Coordinate with RAK Bank relationship managers and back-office teams to ensure timely processing and high customer
satisfaction post-sale.
Company industry:
Banking
Job role:
Accounting and Auditing

Account Manager

November 2023 - June 2025

Encore Capital Group

New Delhi, India

November 2023 - June 2025

Company industry:
Banking

Customer Relationship Expert

January 2023 - January 2025

Encore Capital Groups

New Delhi, India

January 2023 - January 2025

• Served as primary point of contact between the bank and third-party collection partners, resolving complex account
delinquency issues through premium settlement plans.
• Negotiated one-time settlement agreements for customers with deficient balances, recovering outstanding dues while
preserving long-term relationships.
• Guided clients through credit profile improvement strategies, resulting in measurable reduction in default rates across
assigned portfolios.
• Maintained accurate CRM records of all customer interactions and resolutions in accordance with compliance and data
integrity standards.
Company industry:
Other Business Support Services
Job role:
Customer Service and Call Center

Degital excelation expert

April 2022 - June 2023

American Express

Gurgaon, India

April 2022 - June 2023

I worked as a expert to solve the customer or client queries related to online account app Banking related issues like payment plans credit card issue emi of a large amount adding account manager to the coprate, business, and personal, card upgrading the card status also checking the reward points Status on the app and online profile as well as the related arline helped them in maintaining the expanse reports by giving the steps to access software like quick books and quicken.
Company industry:
Call Centers & Customer Care Outsourcing
Job role:
Customer Service and Call Center

Customer Relationship Manager – Escalation Expert

January 2022 - January 2023

American Express

New Delhi, India

January 2022 - January 2023

• Handled high-level digital escalations for card members related to the American Express online portal, mobile app, and
website functionality.
• Resolved card member dissatisfaction issues involving digital wallets, QuickBooks integration, and Quicken query
linking.
• Managed second-level escalation queries across multiple CRM platforms, ensuring first-call resolution and adherence to
SLA commitments.
• Worked directly with bank client profiles to investigate disputes and provide compliant, customer-centric resolutions.
Company industry:
Banking

Personal Banker

March 2019 - March 2022

Barclays Shared Services

Noida, India

March 2019 - March 2022

Handed the client and customers queries in regards to vertiual credit card payment plans financial difficulties related queries and provided solutions as payment plans reference to third party agency to settle the account handed persestiant depths account and also dispute for the client and card members in the time of pandemic and fraud related issues handed desised card members account with poa or the attorney closed the cards as well as offered new card.
Company industry:
Call Centers & Customer Care Outsourcing
Job role:
Customer Service and Call Center

Customer Relationship Officer

January 2019 - January 2022

Barclays Bank

Delhi, India

January 2019 - January 2022

• Handled inbound and outbound queries related to virtual credit cards, payment disputes, and account sustainability
assessments.
• Communicated credit score impact of missed payments and offered tailored payment plans during COVID-19 financial
hardship periods.
• Managed soft collections for delinquent accounts, providing solutions to both individual clients and business customers.
• Assessed account sustainability by analysing customer income and expense data and recommending appropriate
financial products.
Company industry:
Banking
Job role:
Customer Service and Call Center

Education

lovely profficanial university

January 2016

January 2016

Bachelor's degree, Art

India

Skills

Customer Care

Expert

Customer Support

Expert

Customer Service

Expert

Microsoft Excel

Expert

Microsoft office

Expert

Negotiation

Expert

Problem Solving

Expert

People Management

Expert

Teamwork

Expert

Team Leadership

Expert

ANALYTICAL THINKING

Intermediate

ASSERTIVENESS

Intermediate

COLLECTIONS

Intermediate

COMPUTER SECURITY

Intermediate

CORPORATE FINANCE

Intermediate

CUSTOMER RELATIONSHIP MANAGEMENT

Intermediate

EMPATHY

Intermediate

ESCALATION MANAGEMENT

Intermediate

FINANCIAL MANAGEMENT

Intermediate

LOANS

Intermediate

Data Entry

Expert

Customer Service

Expert

Call Center

Expert

Banking

Expert

Sales

Expert

PAYROLL ADMINISTRATION

Intermediate

CORPORATE FORECASTING

Intermediate

CROSS FUNCTIONAL COLLABORATION

Intermediate

FINANCIAL SERVICES

Intermediate

PORTFOLIO MANAGEMENT

Intermediate

RESULTS FOCUSED

Intermediate

Microsoft Word

Expert

Customer Care

Expert

Front Office

Expert

Languages

English

Expert

Hindi

Native Speaker

Training and Certifications

Certifications
Credit Card & Personal Loan Sales
CRM Systems & Digital Banking Operations – On-the-Job Certification
Anti-Money Laundering (AML) & KYC Compliance – Banking Industry Training

Hobbies and interests

reading and music