Sales Officer
Hsbc - United Arab Emirates
Total years of experience :13 years, 5 Months
Tapped business prospects for the company through continued market research. Built meaningful relationships with SME's / Corporates (Sectors to include Hospitals, Information Technology, FMCG, Hospitality, Banking, Construction, Real Estate, Contracting, etc.) in line with their Retail banking needs following company protocols. Managed and maintained client portfolio including post sales activities. Actively participated in company organized events to promote banking products (Cards, Personal /Auto Loan, Balance Transfer, CIP, Accounts, etc.), generate leads and convert prospects into customers. Met individual KPI's (Key Performance Indicators) on month on month basis. Used SalesARM to track phone calls, meetings and closures to effectively manage day-to-day business. Attended periodic trainings to stay up-to-date with new challenges facing the company.
Developed Sales strategy to ramp up business growth with a major focus on Corporate deals. Researched card market to tap new business opportunities on regular basis. Achieved and exceeded KPI's for Retail and Corporate segment on consistent basis. Coached / Mentored new hires to achieve the desired results. Managed the team in the absence of team manager. Listed new companies as per eligibility criteria. Delivered enhanced client experience by providing instant approvals. Used Salesforce.com to handle all the customer relationship by focusing on Sales, Marketing and support process.
Achievements:
• Achieved Shine Award in 2018.
• Nominated for ‘CEO Club’ for demonstrating consistent performance throughout the year.
Identified companies with their need for Group Health Insurance through company visits. Generated business through focused relationship building approach: a)- Acting as a single point of contact. b)- Offering special rates / quotations. c)- Proposing tailor-made solutions. Met sales target for Insurance verticals - General and Life. Boosted company sales by using marketing tools (Cold calling, Market Surveys, Social networking platforms, emails, direct marketing, etc.).
Analyzed SME proposals for Sharia compliant products (Goods / Commodity Murabaha, Ijara, Business Card) as per the policy guidelines. Evaluated client credit worthiness and financial reliability based on in-depth analysis of income documents (Bank Statement / Audited Financial statements) for different business models (LLC, FZ, Partnership, Sole establishment). Prepared Credit proposals and finalized findings post company physical verification. Provided decisions on cases up to AED 500K and sought approvals for higher limits. Conducted due diligence for companies, partners and related parties through available banking applications (CBRB, Norkom, CAS, Customer Connect, Globus, Ethihad Bureau, etc.). Liaised with other departments (CAD, Operations, Sales, etc.) for operational tasks.
Provided overdraft facility against marketable securities (Bonds, Stocks, Structured Notes, Mutual funds, Fixed deposits, etc.) to High Net worth Clients (HNW). Prepared Credit proposals for Leverage/non-leverage deals as per Credit policy. Obtained approvals on cases including Exception from approving authority. Preparation of facility agreements (Limit increase / decrease / renewal) for new and existing clients. Liaised with other departments for execution of Operational tasks. Managed varied MISs including Exception (Limit, Age & LTV based)
Portfolio Management (Term Loan):-
Managed and maintained portfolio for Term Loan clients and ensured regularization for accounts with the collateral shortfall. Preparation of recovery letters (Top-up, Close-out) as per collection strategy.
Achievements:
• Made a recovery of AED 20Mil in 6-month time.
• Renewed accounts in line with Term Loan policy
Managed a team to achieve service standards as well generate sales revenue for the department. Provided customer service on banking products to multinationals. Regular evaluation of team performance. Achieved and exceeded monthly Sales targets.
• Bachelor in Commerce Professional Academy of Commerce, Lahore, Pakistan (Jan 1995-June 1997)