Leading the digital sales channel in Accounts, credit cards and loans

Setting up cross sell for the bank and will be involved in all network strategies of the bank

⇨Devising and implementing strategies to increase the cross sell ratio by increasing product penetration per customer resulting in growth of RAK Bank market penetration.⇨Formulating plans to maximize cross sell opportunities through appropriate profiling of NTB customers at the time of acquisition and to existing customer through fulfilment of their multiple needs across the various stages of customer lifecycle and through various sourcing channels.⇨Designing product enhancement and product customization to suit existing customer needs. Also assisting business in devising plans to increase the sale of new product launched. ⇨Designing and executing various cross sell programs and special packages to motivate bank staff to cross sell relevant products to the customers.⇨Planning continuous upgradation of the lead management sys by ensuring business requirements, competition, market and industry standards are considered.⇨Initiating analytical campaigns to increase the product holding per customer and quality of campaigns⇨Monthly reporting the banks product holding per customer segment wise, identifying and presenting opportunities to management to increase product penetration and cross sell ratio.⇨Increased customer loyalty with existing customers through multi product relationship in order to maximize funded income and non-funded income generated from those customers.⇨Responsible for setting cross sell targets across all channels and decide the staff incentive and reward scheme for the same.⇨Engaging with marketing and businesses to introduce sales and marketing programs with a goal to increase customer penetration across core product offerings.⇨Driving synergies between business units while lowering acquisition costs and effectively capturing opportunities across customer segments to meet customer needs within the bank.Notable Achievements:Repeatedly recognized for top performance through multiple promotions and selection for high priority initiatives.

⇨ Supported the business manager in implementing all cross sell strategies ⇨ Along with manager BI and analytics initiated campaigns that develop cross sell business through data analytics⇨ Managed the formulation, designing and deployment of cross sell and lead management system that maximize the integration opportunities and increased customer product ratio penetration within the bank.⇨ Implemented the development of cross selling methods between products, revenue models, cross sell ratios and cross sell contribution ratio to respective business.⇨ Suggested improvements and supervised in house cross sell system, incorporating business analytics and tools for opportunity development.⇨ Suggested and executed product enhancement and customization, process changes across all departments of the bank.⇨ Assisted business to increase sales of any new product launched by the bank.Notable Achievements:⇨ Recognized and awarded certification of appreciation for a. Leading the cross sell performance on asset products.b. Supporting the business manager in effectively planning and rolling out the new business plan.

⇨ Primarily responsible for increasing customer per product ratio through cross sell of a variety of products across the bank⇨ Deepening the existing inter-departmental relationships while providing them with the best standards of service and training.⇨ Initiated motivational programs to keep the generator keen on generating leads on the cross sell system.⇨ Responsible for achieving referral cross sell conversions and increased the no. of generators through all cross sell channels⇨ Responsible for ensuring all audit requirements are in place and the business is complaint with all aspects of audit⇨ Responsible for improving Operations/ Processes to reduce operational redundancies.⇨ Responsible for suggesting and monitoring enhancements to the in house cross sell system from a user perspective.⇨ Recruit, train and guide the staff in the team as and when the processes and system changes occur.Notable Achievements:⇨ Recognized and awarded certification of appreciation for a. Providing excellent idea to increase Liability and fee based income product for RAK Bank.b. For excellent teamwork, timely completion, accuracy, quality, willingness and proven ability to bring about innovative ideas.

⇨ Responsible for generating fee based income for the bank and liability book of HNI customers, through wealth management & insurance solutions ⇨ Responsible for providing excellent customer service to HNI customers of RAK Bank.⇨ Strict adherence to audit & compliance procedures towards these products. ⇨ To gain customer confidence to manage his/her complete financial portfolio.⇨ Responsible for educating the prospects about our products viz- a- viz competitor products.⇨ To ensure that all the forms are filled correctly before submission to help minimize delays in policy enforcements.Notable achievements:⇨ Appreciated & credited for the unique achievement of exceeding the various sales as well as service targets set by the bank, which are amongst the most stringent in the industry, for all the months till date.

⇨ Responsible for generating fee based income for the bank, through wealth management & insurance solutions ⇨ Met and exceeded the revenue targets on a monthly basis.⇨ Responsible for identifying need and providing financial planning assistance-solution oriented.⇨ To provide excellent customer service in terms of renewals and deliveries.⇨ To provide quick response to customer queries.⇨ Strict adherence to audit & compliance procedures towards these products. NIL Audit comments till date.⇨ To gain customer confidence to manage his/her complete financial portfolio.⇨ Responsible for educating the prospects about our products viz- a- viz competitor products.⇨ To ensure that all the forms are filled correctly before submission to help minimize delays in policy enforcementsNotable Achievements:⇨ A letter of appreciation by the Vice President for a splendid performance in 2007 (Insurance & Investment) ⇨ Received a certificate of excellence for splendid performance (Insurance & Investment) in 2008 by the Cluster Manager – Bandra Branch