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ماريا خان, Sales Executive – Banking Products

ماريا خان

Sales Executive – Banking Products·Unicorn Commercial Brokers

الإمارات العربية المتحدة

بكالوريوس, Art

الخبرة العملية

مجموع سنوات الخبرة: 7 سنوات, 6 أشهر

Sales Executive – Banking Products

يناير 2025 - حتى الآن

Unicorn Commercial Brokers

دبي، الإمارات العربية المتحدة

يناير 2025 - حتى الآن

• 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.
مجال الشركة:
البنوك
الدور الوظيفي:
المحاسبة والتدقيق

Account Manager

نوفمبر 2023 - يونيو 2025

Encore Capital Group

New Delhi، الهند

نوفمبر 2023 - يونيو 2025

مجال الشركة:
البنوك

Customer Relationship Expert

يناير 2023 - يناير 2025

Encore Capital Groups

New Delhi، الهند

يناير 2023 - يناير 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.
مجال الشركة:
خدمات الدعم التجاري الأخرى
الدور الوظيفي:
خدمة العملاء ومركز الإتصال

Degital excelation expert

أبريل 2022 - يونيو 2023

American Express

جورجاون، الهند

أبريل 2022 - يونيو 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.
مجال الشركة:
الاستعانة بالمصادر الخارجية لخدمة العملاء
الدور الوظيفي:
خدمة العملاء ومركز الإتصال

Customer Relationship Manager – Escalation Expert

يناير 2022 - يناير 2023

American Express

New Delhi، الهند

يناير 2022 - يناير 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.
مجال الشركة:
البنوك

Personal Banker

مارس 2019 - مارس 2022

Barclays Shared Services

Noida، الهند

مارس 2019 - مارس 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.
مجال الشركة:
الاستعانة بالمصادر الخارجية لخدمة العملاء
الدور الوظيفي:
خدمة العملاء ومركز الإتصال

Customer Relationship Officer

يناير 2019 - يناير 2022

Barclays Bank

دلهي، الهند

يناير 2019 - يناير 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.
مجال الشركة:
البنوك
الدور الوظيفي:
خدمة العملاء ومركز الإتصال

التعليم

lovely profficanial university

يناير 2016

يناير 2016

بكالوريوس، Art

الهند

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

اللغات

الانجليزية

متمرّس

الهندية

اللغة الأم

التدريب و الشهادات

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

الهوايات والاهتمامات

reading and music