 Responsible for conducting full business audits and performing due diligence on new and existing clients to assess the financial security whilst identifying potential areas of risk. Conduct complete financial analysis including profit and loss accounts, balance sheets, cash flow forecasts and validate with the information obtained through survey activities. Analyze customer sales ledgers, past payment track record to make the assessment on client’s performance risk as per banks due… Show more  Responsible for conducting full business audits and performing due diligence on new and existing clients to assess the financial security whilst identifying potential areas of risk. Conduct complete financial analysis including profit and loss accounts, balance sheets, cash flow forecasts and validate with the information obtained through survey activities. Analyze customer sales ledgers, past payment track record to make the assessment on client’s performance risk as per banks due diligence guidelines. Conduct audits at the client's premises and involves a full analysis of management accounts and business systems by interviewing the owners/management/representative to obtain all required information for the survey report. Closely interact with factoring operations and debtor relationship team to obtain information on the performance of existing factoring portfolio. Update such information in the periodic report. Prepare factoring survey reports as per Bank’s requirements on quarterly, semi-annually and annual frequency and share with all internal stakeholders. Laisse with the associated insurance company for insurance credit limit approval for the buyer under non-recourse factoring. Ensure that insurance premium payments and turnover declarations have been complied by clients w.r.t. credit insurance policies assigned to the bank. Ensure that all credit limits are live and active w.r.t. credit insurance policies assigned to the bank Laisse with trade managers and provide assistance in preparing factoring clearance sheet. Interact with internal stakeholders to resolve queries on the submitted reports. Successfully completed online trade finance training on Factoring (by – Gary Collyer & Dave Meynell) achieving a 90% score on assessment. Successfully completed Trade Finance basic course conducted by EIBFS (Emirates Institute for Banking and Financial Studies) Show less

Responsible for driving profitable volume growth through value added sales and service incorporating the full range of Banc assurance products offered by the bank via various assigned SME branches.Training, guiding and equipping the executives of Emirates Money of assigned SME branches thereby creating new avenues for cross sell of various Banc assurance products. Collaborate with SME channels to provide professional financial planning services by meeting potential customers through… Show more Responsible for driving profitable volume growth through value added sales and service incorporating the full range of Banc assurance products offered by the bank via various assigned SME branches.Training, guiding and equipping the executives of Emirates Money of assigned SME branches thereby creating new avenues for cross sell of various Banc assurance products. Collaborate with SME channels to provide professional financial planning services by meeting potential customers through direct selling which includes visiting prospective clients. Analyzes customers' personal and business financial situation and identify their needs in financial services; subsequently recommending investment-linked products and life insurance products to suit their needs.Laisse with compliance department for approval of savings and investment products and business a/c openings.Closely monitor the performance, resolve discrepancies and ensure smooth end to end process by maintaining liaison between the branches, central coordinator and insurance underwriters.Promote banca products by deepening existing customer relationships via team of assigned SME branches.Solicit new to Bank and new to product leads and guide them for closure by emirates money SME executives across various assigned branches.Offer holistic advisory and consultancy services to key clients in portfolio.Align sales targets and work closely with mapped channels to maximizing business opportunities and optimize sales results. Operate within Risk & Compliance requirements/ framework.Have qualified for all the sales contest and international trips laid by the bank till date.The assigned branch was acknowledged as the best branch for banc assurance in terms of revenue consecutively for the years since 2012.Assigned branch has been recognized consistently for maintaining the highest persistency.Awarded with outstanding performance as Product Specialist for consecutive years since 2012. Show less

 Contributed in increasing the revenue of the branch by bringing in new customers for premium banking, term deposits, investment products and banc assurance. Maintained healthy book balance of the existing portfolio and ensured incremental expansion of portfolio over the period. Responsible for identifying & maintaining relationship with HNI &retail clients by providing them personalized investment services.  Looking after investment requirement for the individuals by providing… Show more  Contributed in increasing the revenue of the branch by bringing in new customers for premium banking, term deposits, investment products and banc assurance. Maintained healthy book balance of the existing portfolio and ensured incremental expansion of portfolio over the period. Responsible for identifying & maintaining relationship with HNI &retail clients by providing them personalized investment services.  Looking after investment requirement for the individuals by providing them comprehensive investment solutions.  Monitor market trends, client tendencies and risk appetite to advice appropriate financial solution. Awarded as outstanding contributor for liability and wealth management referral program for the year 2010. Show less

Topped consistently in the channel as a team leader for loans.Managed the team with new members and delivered 100% target every month.Listed several potential companies and developed influential contacts, thereby generating new avenues for business.Was selected and promoted as Relationship Manager (liabilities) during internal vacancies in Feb 2009 based on outstanding performance in loans.

Top Performer, ABN AMRO across U.A.E for the year 2007Annual international trip contest winner for the year 2007.Promoted as Team leader, 2008.

A Direct Sales Associate of Standard Chartered Finance Ltd for auto loans and personal loan.Job description and Accomplishments: Managed sales planning, facilitated strategic partners, and led promotional campaigns resulting in successful business development and new avenues for growth.Recognized for outstanding performance during the financial year 2001-2002.

An in-house franchisee of Ge countrywide Financial Services Ltd for financing new and used cars (An N.B.F.C set up by the multinational giant Ge in India in collaboration with Countrywide and Maruti Udyog Ltd for funding Suzuki cars in IndiaJob description and Accomplishments:Sourced business from leading Corporate and HNWI by providing auto finance and lease products. Facilitate with comprehensive solution.