Shaiju Shamsudheen Mullayampuly

Finance House established in 2004 is UAE’s first independent finance company with principal activities being investments, consumer and commercial financing.

Designation Chronology:
• March 2010 - December 2010: Personnel Finance Officer.
• January 2011 - June 2013: Team Leader.
• Since July 2013: Business Development Consultant.

Joined the organization as Personnel Finance Officer and moved up the career hierarchy and merited promotion to the position of Team Leader and then Business Development Consultant, through exceptional performance.

Highlights :
• Played a pivotal role in formulating and implementing a strategic business development plan by means of competitor analysis, market research, team performance, sales budget and thus computed pragmatic sales target for enhancing market share.

Key Responsibilities :
• Maneuvering and implementing competent strategies with a view to penetrate new/existing relationships for marketing of various investment/financial products, like Labor Guarantee, WPS solutions and B2B business.
• Regularly reviewing client’s portfolios, monitoring performance of investments and ensuring that they remain within the client’s profit objectives and risk profile with a strong focus on suitability.
• Evaluating prospective clients with focus on key risk indicators and credit/market risk exposures, measurement techniques, and recommending and routing the file to credit authority with strict conformance to assigned TAT.
• Administering entire credit management function i.e. credit structuring/appraisal, maintaining zero bad debts exposure, documentation, reviewing and stimulating the customers constantly to maintain a healthy portfolio.
• Resolving key client queries in an expedited manner, promoting sustained revenue growth through client retention, referral generation, and leveraging cross-sales opportunities.
• Coordinating with different ancillary functions for support required to improve customer service and client satisfaction, handling various customer satisfaction operations to upgrade services.
• Keeping the seniors abreast by providing comprehensive MIS reports, and advising on maximizing business relationships and enhancing customer service, channel management and relationship management.
• Facilitating implementation and execution of various campaigns to promote the products and services offered by the organization, maintaining a formal follow-up and updating the customers of such events.
• Offering strategic inputs to Head - Retail Finance in formulations of new/development of existing procedures, proactively identifying any opportunity to cross sell commercial finance, retail finance and Insurance products.
• Building and developing an effective sales team, ensuring business growth and achievement of business targets through planning, mentoring, training and development of team members

Key Responsibilities :
• Conceptualized sales initiatives for promoting retail products such as credit cards, executive finance, smart guarantees and car loans and effectively achieve assigned targets and enlarge customer base.
• Provided leadership/direction to a team of 15 members, evaluated strategies and provisioned professional guidance to improve performance and deliver service levels that are met with customers’ expectations.
• Computed daily/monthly MIS and routinely updated line managers on team performance, business trends, market dynamics along with strategic recommendations on expanding organizations reach and profit revenues.
• Cultivated professional relationships with other departments such as Credit, Admin and risk review to maximize the effectiveness of business processes and work towards attainment of organization’s goals and objectives.
• Facilitated in preparing high quality business applications with minimum subsequent rework and within assigned TAT, regularly reviewed loan portfolio and stimulated the customer to maintain a healthy account.
• Provided vital inputs to line managers and seniors in devising sale strategies, maximizing business relationships and establishing and environment wherein customer service can flourish.
• Established close rapport with key accounts by making periodic visits; exploring specific needs and anticipating new opportunities.
• Developed and implemented business process, aligned all the systems/procedures, conducted internal controls and other service controls to ensure operational efficiency for the organization.
• Guided team members and resolved their discrepancies/grievances by researching and interpreting organizational policy, applied observations and recommendations to operational issues.

Key Responsibilities:
• Identified and interpreted opportunities to sell organizations products/services by prospecting new clients, communicated effectively with them by conducting meetings, and pitched existing customers for cross selling opportunities.
• Supported and maximized effectiveness of sales operations to assure positive professional services, revenue growth, positive impact on margin and high customer satisfaction.
• Conducted market/customer/competitor mapping to build network/database of contacts in support of assigned targets, contacted these customers by calling/meeting them and thus win new business.
• Proactively promoted new and existing products of the organization cultivated relationships with customers and striven to exceed goals and customer expectations.
• Effectively interacted with customers of diverse backgrounds/temperaments and maintained open lines of communication whilst resolving customer problems/complaints fostering a customer friendly approach.
• Built strong relationships with potential and existing clients, attended to client queries/ grievances to provide best possible level of service while conforming to organizational policies.