Associate, Retail Operations
United Arab Bank - UAB
Total years of experience :13 years, 9 Months
Branch Operations:
● Supervise a team of tellers and staff and manage day-to-day operations of the bank center ensuring compliance with all
the banks policies and procedures.
● Verify all daily transactions to detect and correct errors/mistakes and reconcile discrepancies to ensure accuracy of all the
bank’s records.
● Plan and manage the cash requirements of the branch including ordering cash from the central bank, monitoring cash
with tellers and replenishing and reconciling branch ATMs.
● Maintain all prescribed registers and records at the branch covering all bank operations - ATM, cash desk, treasury,
cheque books, demand drafts, debit cards and PINs, key register, handover and takeover reports, attendance and branch
maintenance.
Customer Service:
● Develop and reinforce business relationships with customers, providing high standards of service to improve the bank’s
reputation and image and facilitate business growth.
● Respond to account related queries from customers and provide prompt, complete and accurate responses including
resolution of complaints and issues.
● Maintain a database of detailed client profiles including requirements under the bank’s Know Your Customer (KYC)
requirements and the client’s banking history to support business development initiatives.
● Track and maintain required records of all high risk documents including ATM cards and PINs, cheque books and liability
letters.
● Coordinate and support the sales team in selling new products to the clients as per their requirements including
cross-selling and up-selling of products
Teller:
● Interface with existing and prospective customers and generate sales of the bank’s products by identifying and exploiting selling and cross-selling opportunities.
Assist customers in completing all their day-to-day transactions including cash deposits and withdrawals, cheque deposits, issue of banking instruments and statements.
● Maintain daily cash and treasury balance and process transactions including 150+ daily cash transactions, demand drafts, ICSS clearing transactions and internal/SWIFT transfers.
● Maintain records in prescribed formats of all cheque clearing and returns, daily cash deposits and withdrawals treasury reports and provide inputs for daily, weekly and monthly branch reports.
Highlights:
● Successfully introduced 4 new international fashion brands - Piazza Italia, Promod, BodyCare and Bebe - in the Indonesian retail market.
Key Responsibilities:
● Managed planning and execution of projects for introduction of international and local retail brands in the fashion sector
across Indonesia aligned to overall brand strategy of the company.
● Developed action plans covering all activities across the brand launch cycle and monitored on time, within budget
completion with quality deliverables.
● Conducted detailed market studies to evaluate potential for various brands and associated product lines in the Indonesian
market and produced feasibility reports on the viability and profitability of the project.
● Contributed to negotiations with international and domestic owners of target brands to secure deals meeting the overall
business objectives of the company.
● Participated in negotiating terms and conditions for placing the brands with retail partners and provided support with
visual merchandising across outlets to adhere to predefined brand standards.
● Conducted financial analysis of projects including budgets, balance sheets and cash flow projections, identified variations
from plans and recommended appropriate corrective actions.
● Supported the development and implementation of effective marketing and promotional strategies to achieve
sustainable and profitable growth of the brands.
Company Profile: NAB is a leading bank with 800 locations in Australia, New Zealand and around the world providing
personal, business and small business banking services to 10 million customers https://www.nab.com.au/about-us
Key Responsibilities:
● Supported customers in making optimum banking decisions by analyzing their requirements and providing complete
details of the bank’s products including accounts, loans, mortgages and credit cards.
● Dealt with all paperwork for opening accounts and provide customers with all products and services required by them
including collection and verification of documents and completion of all prescribed forms.
● Managed client relations ensuring continued customer satisfaction and loyalty through delivery of the highest standards
of customer service.
● Marketed the bank’s range of products to potential customers availing of cross-selling opportunities to achieve or exceed
targets and quotas.
● Ensured that all transactions adhered to the applicable approved policies, procedures and guidelines of the bank related
to products, compliance and customer service.
● Initiated and processed international and local fund transfers through various modes including online transfers as per
customer instructions and requirements.
● Prepared and submitted prescribed periodic reports to the Area office of the bank.
Key Responsibilities:
• Assisted senior executives with project planning and evaluation through an organized framework for developing, implementing and launching marketing communication programmes.
• Coordinated and conducted meetings with clients to collect service reviews/feedbacks; enhanced quality levels in alignment with customer demands in order to strengthen engagement.
Grades Achieved:3.2/5
Grade Achieved: 3.0
