Senior Manager
Emirates Islamic Bank
Total years of experience :18 years, 9 Months
Sharjah & Northern District
•Managing branches deposit portfolio across various segments of Mass Retail, Priority, SME, Corporate in line with the institutional standards of quality and profitability
•Co-coordinating and Liaising with other departments of the bank like Compliance, Treasury, FI Department, L/c department to obtain their required support in executing customer requirements
•Implement selling strategies to achieve the sales target for the team
•Address, resolve and respond to customer issues of an exceptional nature in order to achieve timely and satisfactory solutions.
•Approve or recommend transactions/waivers to deliver timely customer service
•Identify and implement measures relating to processing tasks, turnaround time and staffing/cost levels in order to improve productivity of the section
•Ensure preparation/submission/dissemination of relevant reports/returns for management
•Supervise, appraise, coach and motivate staff to develop skills, ensure required levels of competence and productivity to achieve unit’s objectives
•Monitor and implement control measures for business unit to ensure compliance/control and reports/returns submission and to protect the interest of the bank.
•Propose procedural improvements based on periodic reviews in order to enhance service delivery
•Supervise guide and support activities of members in the team to achieve unit’s objectives
•Supervising SME, Priority, Home Finance and Retail teams to support their business generation
•Contribution to annual budget and strategy plans at branch level in order to identify cost saving and productivity opportunities.
•Dealing with the internal, external, regulatory and shariah audit processes and ensure accuracy
•Manage communication and decision from higher management in an effective manner
•Supervision of Cash, Clearing, Customer Service, Back Office and Retail Banking departments.
Managed a branch deposit portfolio of AED 700 Million
•Strategically managing and planning, controlling the entire working of operations, sales and customer services departments in the branch
•Monitoring the performance of the team to ensure branch target achievement and excellent customer services. This includes resolving any performance issues raised by the customer, other branches and head office.
•Anti-money laundering procedures, monitoring and responding all related queries.
•Verifying the daily inward/outward clearing and participating in the ICCS clearing system.
•Checking and verifying all account opening documents and other account processing activities.
•Reconciliation of general ledgers and suspense account
•Customer relationship
•Was part of Project Management team for merger and implementation of new core banking system (Finacle
Accounts/Branch Administration
•Responsible for Controlling and checking of all daily transactions related to the branch.
•Checking of all account activities, profit and loss variance analysis, petty cash, borrowers insurance, inventory control, balancing of assets and liabilities, preparation of statistics, fixed assets, general expenses, maintenance, stationery, reports generation, credit card analysis, payroll processing, central bank reporting, preparing of audit reports for clients.
•Cheque return, cheque purchase, PDCs, In-house transfers and handled cash.
Foreign Exchange/ General Operations
•Supervising outward/inward transfers by swift and telex.
•Managing financial and non-financial communication through swift messages, remittances, and incoming transfers.
•Preparing drafts/manager cheque, travelers cheque, cheque purchase, cheque collection, processing inter branch, interbank transactions, making deals from the treasury. In house transfer, standing orders, clearing and cash management
Customer Service/Retail
•Accounts opening and closing, ATM cards, credit cards, Statements, Dormant accounts, Personal loans, auto loans, discounting bills, fixed deposits, inquiries and assistance, handling complaints, file custody, safe boxes.
IT Coordinator
•Daily backup, Supervision of scanning process.
•Updating of antivirus, complete support to the staff in terms of hardware and software, ATM inspection, updating of new modules and applications, preparation of presentations, troubleshooting of complex issues with coordination of MIS.
•Was involved in UAT for new core banking system (Flexcube) for Dubai region branches.
Corporate Banking
•Credit Risk Evaluation
•Financial risk analysis for corporate customers
•Credit history correspondence with other banks
•Corporate account monitoring (weekly/monthly) for excess over line and over due
•Customer relationships and account management.
•Exposure in Trade Finance through Central Trade finance Department in establishing different kinds of L/Cs and L/Gs
•Assisting Branch/Relationship managers in cross sales
•Supervision of Limit inputs and preparation of credit facility letters / security documentation.
courses: MCSE (Microsoft Certified Systems Engineer
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