AVP Team leader-institutional Liabilities Unit - Corporate Banking -
Dubai Islamic Bank
Total years of experience :23 years, 3 Months
(Institutional Liabilities & Transaction Banking) - Corporate Banking Group.
•To enhance the Corporate Banking Liabilities Portfolio, increase number of client relationships and maximize Non-funded income.
•Identify new business opportunities for increase in market share of business by Focus on prospecting new clients and increase the bank market share.
•Proactively manage relationships with customers and take personal responsibility for the establishment and maintenance of key relationships to leverage business achievements.
•Provide professional and expert advice on products and services to customers and business leads to other units to ensure that business opportunities are realized.
•Manage a team of competent relationship managers and their performance to deliver targeted results and high level of service.
•Tracking each individual’s performance motivating them and creating an atmosphere conducive to success.
•Regularly review account performance and make appropriate recommendations for optimizing returns.
•Maintain quality standards and ensure team members deliver superior service to match and exceed customer expectations to achieve ‘customer delight’.
•Ensure compliance with the bank’s approved policies, procedures and norms to protect the organization’s and customer’s interests.
•Ensure the unit is trained, retrained and refreshers conducted, that will ensure each team member is confident and conversant with the product, the policy and the processes to provide better service to the customers.
Award received:
Dubai Islamic Bank (Contribution To The Best Business Dept. 2011).
Dubai Islamic Bank (Contribution To The Best Business Dept. 2012).
Dubai Islamic Bank (Contribution To The Best Business Dept. 2013).
•Managing Private Banking Clients Portfolio.
•Marketing of new High Net worth Individual Relationships and cross selling of the Bank’s retail, treasury, corporate & investment products.
•Selling a wide range of Investment Funds launched by the bank (Mutual Funds - Local, Regional & Global Equity Funds, Real Estate Funds, Shipping Funds, Commodities Funds, Structured Notes, Saving Schemes and Private Equity Funds).
•Providing advisory services to clientele in terms of liquidity cycles, wealth management and gauging risk appetite.
•Conceiving strategies for identifying business that maximizes benefits to the bank in terms of portfolio requirements & revenue.
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Dealer Domestic Equities - Treasury Dept. (May 2005-April 2006).
•Execute securities purchases and sales in coordination with portfolio managers; actively participate in the investment process and securities selection.
•Handle Bank’s portfolio, bank’s listed funds as well as major clients & VIPs orders.
•Provide portfolio managers and analysts with ongoing information about market sentiment and trading environment, maintain on-going dialogue with portfolio managers and analysts regarding investment strategy and the investment decision-making process.
•Apply an understanding of market dynamics and client specific objectives and constraints to create relative value ideas, develop and maintain relationships with other dealers.
Branch Office - Retail Banking- ( July 2003 - May 2005 )
•Responsible for achieving the assigned targets in loans, CASA, credit cards, as well as payrolls account.
•Used investment products as a vehicle to introduce new high net worth customers to the bank for future cross selling of other bank products.
•Responsible for handling the walk ins customers’ complaints & inquiries
•Prepare proposals to the Head Office with the branch manager monitor in order to record new employers in our approved list.
•Acting as branch manager during the branch manager annual leave.
•Daily field visits to fresh, existing, potential customers to assist the branch to achieve the targets
•Monitoring the competitors offers then report it to the head office along with my suggestions
•Handling all required procedures for the anti-money laundry policy & report the suspicious transaction or accounts to the branch manager.
•Retain the unconvinced customer, through either repeating their loans or by any other proper solution.
Asst.Team Leader - Retail Banking - TBMS (Jan 2003-Jul 2003).
•Direct the activities of 12 subordinates involved in marketing and promoting the sales of Retail Banking Products.
•Credit Cards / Personal Finance and new CASA.
•Planning, developing and implementing sales management strategies, plans and programs aimed at enhancing image of the Bank and overall financial performance of the Department.
•Direct responsibility for achieving Revenue Budget set and agreed with the Management including profitability forecast.
•Establish accountability and authority limits for subordinate staff and monitor their performance in execution of sales and service plans, and Bank’s objectives, taking corrective action where warranted.
•Recruit, train and motivate dynamic employees for optimum operations for achieving the sales and service objectives of the bank.
•Assign duties and shifts to subordinates and observe performance to ensure adherence to Bank policies and established operating procedures. Prepare daily work assignments roster and maintain work performance records.
•Monitor works flows and implement changes to maximize productivity.
•Prepared periodic reports for management.
•Provided team with guidance, motivation, and discipline to consistently achieve Bank’s goal & customer satisfaction. Conducted meetings with staff to know their feedback.
Personal Loans Sales Officer - Retail Banking - TBMS ( Feb 2001 - Dec 2002 )
Personal Loans Sales Officer - Retail Banking:
•Extensive involvement managing client relationships at all levels.
•Handling the client’s needs and requirements and offering them the best service.
•Successfully launched and marketed for the Personal Loans offered by the bank.
•Manage a time for visiting and meetings clients in different companies to offer them the bank products.
•Achieve the required target for every month.
Award received:
Mashreq Bank (Exceptional sales performance in personal loans for-2002)
Mashreq Bank (Outstanding Contribution To Retail Banking Group during-2003)
Mashreq Bank (Consumer lending championship Top performer-2004)