JOSEPH KRAYEM

CAREER HIGHLIGHTS
• Rewarded with Shukran Awards from HSBC for outstanding performance in Sales & Customer Service.
• Declared Employee of the Year - 2013 & 2016
Designation Chronology:
• Premier Relationship Manager, May 2015 to Present
• Sales and Service Officer, June 2006 to April 2014

Significant Achievements:
Premier Relationship Manager
• Build a strong business relationship with the premium customers to ensure retention of the customer base and enhance the business prospects exploring opportunities for further growth.
• Analysed market conditions to devise action plans at par with the market trends to enable acquire new customers to produce incremental business growth.

Key Responsibilities:
Premier Relationship Manager
• Liaise with high value clients to build robust business relationship focussing on specific individual needs and implement fundamentals of financial planning to explore and en-cash on opportunity for further business development.
• Deliver excellent customer care service to acquire, develop and retain relationships with Premier clients, working with the broader branch and direct teams to enable achievement of business performance measures as defined by Retail Banking and Wealth Management protocols.
• Execute portfolio management of Premier clients, acquiring new HSBC clients and upgrading existing clients winning their confidence to function as trustworthy financial advisor.
• Identify opportunities for wealth reviews and deliver wealth solutions to achieve the set goals in-line with the Bank’s policy, adhering to the local regulatory requisitions.
• Undertake market research to understand the current market trends and competitor activities to design action plans that yield results at par with the management expectations.
• Control the operations through control of the various parameters including compliance with the auditory requisitions, update documentation and monitoring of the call reports for client visits.
• Manage different product portfolio of USD 5 Million annual offered by the bank.

Significant Achievements:
• Set up meetings between client decision makers and company’s practice leaders/Principals.
• Planned approaches and pitches.
• Coordinated with the team to develop proposals catering to meet the client needs, resolving their concerns and enabling them to achieve their objectives.
• Participated in pricing the solution and service to make the organization products highly competitive in the market place.
Key Responsibilities:
• Implemented action plans strategically devised by the management to convert potential new customers leading to enhancement of the overall growth in business and profitability of the organization.
• Executed Cold calls adhering to the market conditions within UAE to build a robust list of new customers and high potential target client base for follow up to build a robust pipeline of opportunities.
• Developed an extensive network to expand market coverage and reach out to the untapped potential customer to probe the scope for business development.
• Handled customer service addressing queries and objections, clarifying clauses of agreements and resolved objections to ensure positive customer response.

Significant Achievements:
Sales & Service Officer
• Achieved Business Target scores, Customer Satisfaction score and After Sales Quality Calls scores. (AED 2M loan / 15 New accounts / 30 credit cards) per month.
• Increased cross-sell ratio using the e-distribution channels.
• Honed my selling skills and achieved sales and service targets.
• Developed Marketing strategies to increase banking product sales by 20%.

Key Responsibilities:
Sales & Service Officer:
• Implemented an Activity Based Sales Culture with enhanced focus of Sales Activity Management adhering to the organizational policies and protocols.
• Followed up sales leads with all customers as per the Lead Procedure Guidelines to ensure maximum conversion to create a robust new customer base.
• Explored new avenues for business enhancement contacting business owners to extend business plan with HSBC and following up to ensure high rate of conversion.
• Designed and developed a robust sales channel network to ensure deep market penetration and increased product visibility to enable generation of incremental sales and profitability.

Achieved a consistent growth of Priority Banking products to High Net Worth customers and reached the monthly targets.