Regional Manager
Emirates NBD
Total years of experience :16 years, 5 Months
Leading a Regional sales team contributing superior results with significant attributable share in adding value towards organization's imperative goals and visions. Leading a sales team of auto lease sales, personal finance and credit cards sales in western region. Responsible for setting sales strategy to achieve sales goals and achieve each product targets.
Sales Manager:
Managing & Leading a group of 40+ employees to steer organizational goals towards excellence, whilst yearly cost & headcount cap remains paramount.
Personal Finance
• Responsible to keep headcount, budget & turnover at a standard level to ensure achievement of yearly goals.
• To conduct daily, weekly & monthly performance review at group level to keep them focused.
• To hire & train new staff and to help onboard staff to facilitate them achieving their goals.
• Devising strategies to penetrate all channels with maximum profitability.
• Lead Management by daily conciliation of sourced prospects, and keeping the track of each lead till closure.
• Strong interdepartmental communication to facilitate our daily operations and keeping turnaround time under control
• To opt qualified leads from rejected pool and to accord ratification for all exceptional cases from higher management if required.
EMIRATES NBD: (Feb 2011 May 2014) RIYADH, KSA
Assistant Manager Loans:
Job Description
• To manage a team of sales executives and get loan applications processed to achieve monthly sales target.
• Responsible to maintain productivity reports and KPI's
• Handle customers’ complaints and end-to-end resolution to their queries to sustain customer services and loyalty.
• Follow up with the credit department for in process loan applications.
• Review financial statements of business customers and evaluating their income.
• Training sales executives about the product policies and procedures.
• Assigning approved employers to the sales team to penetrate potential market areas to ensure continuous growth.
• To conduct initial review of all received leads to maintain quality and Coaching sales team to seek the right liability and loan customer
• Assessing income of high worth loan customers to avail mortgage or personal loans.
• To review all rejected loan applications and present cases to higher management for exceptional approval.
Under writer Mortgage loans
Worked as a Under Writer for Mortgage Loans in the credit operations department.
Was an active member of the pre launch phase of the Barclays Bank in Pakistan. I was a key member in finalizing the processes to be followed for the credit operations department for mortgages. I was responsible for conducting UAT on the BMMS (Barclays Mortgage Management System) finalized for Pakistan.
Job Description
• To analyze and process credit proposals and applications of Barclays Loans for approval or escalate to Head of Department within the stipulated turnaround time.
• To approve cases as per product / credit parameters and adhere to delegated authority matrix
• Identify and investigate problems specific to their area of expertise and recommend remedial action
• To use discretion authority in approval of deviations from products and credit parameters and to act as an on-line consultant to branches/direct sales force to structure/restructure the loans. To directly assist department head in strategy / policy.
Worked as Support Credit Analyst in Credit Initiation Unit in the Mortgage Department.
Job Description
• Working as a support analyst. To process and evaluate Mortgage applications according to the assigned credit criteria.
• To resolve discrepancies which have marked for entire case and to check the customer’s credit history with bank.
• To check & evaluate property documents, appraisal and lawyer reports.
• To calculate debt burden and financing amount.
• To make offer and sanction while evaluating customer profile and collateral respectively.
• To maintain and update product related MIS