Aref Meer

afer-loan
+ Manege to roll out and introduce the new product (Expairite Morlgage loans) to
Bahrain market mainly for Retail and SMEs
+ Implemented short and long term KPIs and monitor branch and esmployee performance and productivity.
+ Monitoring market and regular follow up with competitor activities
+ Motivated end developed the brench team for efficient performance and produciviy.
+ Initiated and managed contacts with al external partes and Auto Dealers to enhance brand image and the operations to
remain two steps ahead over the competition.
+ Upsell of various organization products like Top up of existing cleats loans, and cross sel different products to
maisiain business continuity and lead clients forwerd to loyalty.
«Promote branch aciviies to increase client base like ME, Retail.
+ Review of online users and walk in customers and approving the requesis, added to tha if required obtining approvals
from top management and considering exceptions for certain desl approval.
+ Offering the clients with customized financia solutions like Higher Purchase — Lease to avn scheme, aad Islamic
financing according to client needs and requirement.
+ Support, promote and conduct special marketing campaigns of own Auto brands like (Cadillac, Chevrolet, GMC,
Honda, GAC, Havl, Great wall,
and GAC) sales
+ Liison with Auto dealers for Ato loan spprovals, LPO arrangements, PDC, Promissory Note, Legal executive order
according fo client profile.
+ Offering client advice to utilize digital payment channels like Kiosk, Mobile application and th portal.

• Manage to roll out and introduce the new product (Expatriate Mortgage loans) t o
Bahrain market mainly for Retail and SMEs.
• Implemented short and long term KIs and monitor branch and employee performance and productivity.
Monitoring market and regular follow up with competitor activities
Motivated and developed the branch team for efficient performance and productivity.
• Initiated and managed contacts with all external parties and Auto Dealers t o enhance brand image and the operations t o
remain two steps ahead over the competition.
• Upsell of various organization products like Top u p of existing clients loans, and cross sell different products t o
maintain business continuity and lead clients forward to loyalty.
• Promote branch activities to increase client base like MEs, Retail.
• Review of online users and walk in customers and approving the requests, added to that if required obtaining approvals
from top management and considering exceptions for certain deals approval.
• Offering the clients with customized financial solutions like Higher Purchase - Lease t o own scheme, and Islamic
financing according to client needs and requirement.
• Support, promote and conduct special marketing campaigns of own Auto brands like (Cadillac, Chevrolet, GMC,
Honda, GAC, Haval, Great wall, and GAC) sales
• Liaison with Auto dealers for Auto loan approvals, LPO arrangements, PDC, Promissory Note, Legal executive order
according to client profile.
• Offering client advice to utilize digital payment channels like Kiosk, Mobile application and the portal.

Products Services: Personal & Mortgage loans, Credit & Debit Cards.
+ Manage revenue growth of existing / new Retail accounts and culfivate close relationships with decision-makers, by
targeting Small / Medium and large organizations.
+ Maximize client retention and loyalty rato by introducing the required solution and attend regalar visit to enlance
relationship and increase revenue.
+ Calculation of Personal / Mortgage loans and installments, Process loan applications, verify related income documents,
obisining required approvals and necessary Insurance coverage, and follow up with borrowers at related sectors like
Survey and Land Registration Burean.

Services: Credit cards, Auto loans, Investment plans.
+ Manage and coordinate
sales campaigns.
+ Handling monthly sales report, forecast calendar.
«Liaise with al departments (Operations Sales, Risk managemen) for processing client credit requisitions.

+ Provide all necessary support related to payables for invoices of the dealers.
+ Date cary forall revenue department payments. Ain
+ Daily reconciliation and process pf payments

+ Analyze all revenue related reports and financial transactions such a sales contract, etc. to AC
conclude on appropriate accounting treatment nd identify any ssuss, cnsuing thst all Bapco
ovens tear are recorded is compliance with aeeounting Sanders
+ Prov dat thts acute, congruent and ible, and crane te formation is casi avalble 0 users or ict
consumption o tegration wilh ober syste
RT
te te
+ Daly report and update regarding status of calls

• Communication with clients and follow u p with them t o settle dues
• Monitoring bad debt clients and reporting t o higher management
• Daily report and update regarding status o f calls