usama masood

*To drive sales and margin goals for North India predominantly through channel partner & distributors and ensure sustainable growth rate.
*To manage & maintain sales pipelines capable of delivering of budgets
*To build and grow enduring & profitable customer relationships
*To be accountable for all credit interactions with the customer
*To collaborate with Engineers, Finance & Operation, Electrical Dept and ensure smooth project delivery for the customers.

in Recovery & Collection department

Job Responsibilities:
•Manage complete assigned allocation of higher buckets and achieving monthly collection set targets
Initiating cost effective ideas & models to improve process within guidelines.
•Responsible for the Portfolio of credit card, Auto Loan, Personal Loan, Business Loans, Merchant Loan, Business vehicle loans delinquency and losses for hard buckets of total 65 million for the entire UAE
•Adapt to different collection strategies to breakdown hard accounts while maximizing back flow
•Coordination with customer service department in resolving issues connected to customer’s account.
•Meeting customer and perform initial credit review with in set policy to understand customer’s credibility; analysis of bank statements, documents, liabilities etc.
•Liaising between customer and management for seeking approval on proposals.
•Skip tracing customers with the help of immigration check, internet facility, social networking site etc.
•Follow-up with Legal department for filing civil, criminal or legal cases.
•Help customers in re-structuring there multiple liabilities, Going on fields and visiting customers which in turn helped in creating good customer relationship for the bank.
•Ensuring adherence to Group Retail Credit policy and guidelines while negotiating with customer.
•Purpose early settlement and negotiating repayment plan for unsecured accounts
•Arranging for approvals for settling customer’s liability of credit card, Auto Loan, Personal Loan, Business Loans, Merchant Loan, Business vehicle loans with the bank.
•Coordination with clients on day to day basis for meeting their business objectives.
•Customer service & Redressing customer queries / complaints

Business Banking Group(Total Experience :6 year in SME and Corporate Banking)

Job Responsibilities:

•Holds distinction of exploring new clients, standardizing retail operations, initiating business activities for escalating turnovers & achieving goals.
•Achieve assigned personal target in a consistent and competent manner.
•Targeting the customer for acquisition new to bank and managing existing customer where the target market is SME’s/ Smaller corporate for liability and, fund based and non-fund based asset products.
•To be responsible for ensuring up-to-date compliance, KYC and client profile for each client as well as maintaining a high level of confidentiality at all times.
•Development of client relationships and being accountable for delivery of products and services.
•Demonstrated abilities in devising financial activities & accelerating the business growth.
•After sales service to Clientele. Products include SME, Business Loans, Corporate Accounts, POS Loan
•Cross-sell & up-sell by getting new business and ensuring complete customer's satisfaction.
•To ensure business development involving complete customer engagement

Business Banking Division

Job Responsibilities:

•Holds distinction of exploring new clients, standardizing retail operations, initiating business activities for escalating turnovers & achieving goals.
•Financial analysis and preparing credit application.
•Establish and maintain a close working relationship with credit decision/credit administration.
•To be responsible for ensuring up-to-date compliance, KYC and client profile for each client as well as maintaining a high level of confidentiality at all times
•Managing the portfolio created with NTB acquisition and servicing for their banking requirements
•Customer Services, Sales & Marketing for the Domestic Market, UAE. (SME products)
•After sales service to Clientele. Products include SME, Business Loans (ADCB Loans)
•Attend meetings, seminars and programs to learn about new products and services, learn new skills, and receive technical assistance in developing new accounts/Loans/Facilities etc

Manage a team of sales executives of 7-8 people and achieve set targets of the team..
•Holds distinction of exploring new clients, standardizing retail operations, initiating business activities for escalating turnovers & achieving goals.
•Demonstrated abilities in devising financial activities & accelerating the business growth.
•Customer Services, Sales & Marketing for the Domestic Market, UAE. (SME products)
•After sales service to Clientele. Products include SME, Business Loans (RAK Finance)
•To Present Monthly and daily Reports on MIS Word, Excel, PP, and Outlook.
•Prompt in identifying prospects, analyzing requirements, rendering guidance to clients and closing deals.
•Attend meetings, seminars and programs to learn about new products and services, learn new skills, and receive technical assistance in developing new accounts/Loans/Facilities et

•TWO MONTH TRAINING FROM BAJAJ ELECTRICAL