Senior Manager
Emirates Nbd
Total years of experience :25 years, 9 Months
Core competencies:
•Initiation, development and management of projects from inception to post implementation.
•Knowledge of basic cash management services like payments, collections and liquidity management.
•Creation of management dashboards providing a comprehensive view of business revenues and initiatives.
•Ensuring project/department milestones/goals are met and adhering to approved budgets.
•Gathering market intelligence and creation of strategies based on market intelligence gathered.
•Development of research, customer insight and analytics driven reports.
•Management of the retail banking liabilities, remittance and FX portfolios.
•Formulation and execution of overall strategy for both liability and wealth business propositions including insurance and investment products.
•Development of strategic initiatives on product level across liability, insurance and investment products including monitoring performance of products against planned business targets.
•Team Management across multiple locations including management of multiple stakeholders.
•3rd party relationship management including setting up of contracts and managing business continuity standards.
•Development of target operating models for wealth including setting up of processes for streamlining wealth operations.
•Formulation, execution, and monitoring of annual operating plans, processes and control standards.
•Implementation of sales quality management and change management programs.
•Product design, development and management.
•Proposition development and customer segmentation management.
•Service performance and customer experience management including creation of the customer experience framework for wealth.
•Building and exploiting in-house analytics capabilities and initiatives.
•Implementation of the marketing strategy for the bank.
•Execution of advertising campaigns and customer communications
Marketing Strategy Development and Planning.
•Part of the core marketing team that made SABB the only bank in the kingdom to get short listed at Cannes for its advertising campaign innovation of channel usage.
•Managed planning and executions of credit card marketing initiatives and involved in the setting up the CRMS platform for cards and asset products.
•Managed the planning, development and implementation of SABB’s marketing strategy.
•Oversaw the development and implementation of support materials and services for marketing campaigns
•Directed the efforts of the marketing brand managers and coordinated at strategic levels with the business heads and other functions within the bank.
•Lead the development of the SABB marketing medium term outlook strategy
- Middle Market Segment & International Propositions
•Increased acquisition of Ruwaad customers by 100% within one year.
•Increased cross sell of products by 30% through various initiatives.
•Increased in average profitability of the segment 50% increase.
•Conceptualized, planned and implemented business development strategies in support of expanding the market customer segments.
•Planned and executed various cross sell programs (Personal finance, home finance and credit cards) to enhance the bank’s share of wallet across different customer groups.
•Coauthored the SABB wealth management strategy for retail banking in 2010
NRI Channel and Liabilities Development
•Conceptualized, planned and implemented the SABB expatriate banking strategy.
•Monitored team activity to achieve the set business targets, by providing the Sales Tools, M.I and professional guidance to the NRI Staff for optimizing sales.
•Managed penetration and attrition for the SABB NRI Proposition (NRI- Non Resident Indian).
•Contributed to the development of the NRI strategy and plans by submitting strategy proposals.
•Monitored the sales channel and was responsible for the development of the NRI team.
•Implemented the work-site marketing project.
•Coordinated a product development project with treasury, financial planning and SABB Amanah (Islamic Banking) for developing and launching of an Amanah Market Linked Liabilities Deposit product unique to SABB
Asset Sales and Corporate Employee Benefits)
•Conceptualized, planned and implemented a corporate employee benefits proposition (CEBS) in 2008.
•Developed, recruited for, monitored and supported the CEBS.
•Achieved SAR 600 Million (USD$ 160 Million) of asset sales in 2007.
•Coordinated and implemented a Six Sigma project for the auto-pay (salary accounts) proposition for processing of salary accounts in 2007.
•Conceived and developed a retail banking sales aid kit for the direct sales team in 2007
Managed the portfolios of HNI‘s and corporate companies for Deutsche Bank, Mumbai, India.
•Ensured the customer individual needs are met with the help of various tools like strategic asset allocation, periodic review and re-balancing of portfolios.
•Ensuring cross sell of Investment and Insurance products to the HNI clients suiting their asset allocation, set at the time of initiation of the relationship and through ongoing engagement.
the customer servicing team and supported sales for the CITIGOLD Wealth Management products and coordinated the efforts of the service team towards achieving the global CITIGOLD service standards.
•Sourced Insurance leads and cross sold investment based Insurance plans of Birla Sun life and Tata AIG.
•Conducted training on insurance for Citibank staff.
•Lead the Trade Services for CITIBANK N A commercial banking customers, NR Sales and Service related activities & cash management, ATM and vendor related activities
•Managed the process management and control, and activities related to the Customer Service team reporting to me.
•Achieved targets of streamlining costs, affecting a Net savings to the organization of INR 1 Million (USD$ 25000) a year.
•Managed compliance related activities and audit requirements
Accounting maintenance for the Pune Branch Accounting for the Pune Branch Collections and reducing of Bad Debts from 30% to 2% of Net Sales.
•Record management of Pune Branch for all Legal Contracts, Vendor Agreements, Lease and licenses of all Advertising Site related activities
Maintaining of Accounts for the Pune Branch.
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Ranked 1st in College for Cost and Works Accountancy
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