Develop and manage products for retail and corporate clients with over 25,000 customers locally and overseas. Assess client needs and propose effective and results-driven solutions to cultivate productive relations with existing and new clients whilst achieving sales targets. Negotiate and secure new contracts with new customers leveraging excellent business negotiation and interpersonal skills. Supervise and mentor sales team, assess performance, and devise training plans to optimize productivity and efficiency.Selected Contributions:  Create and maintain product performance plans including product road map, marketing calendars, product guides, portfolio segmentation and performance reporting Introducing Cozy Sac to the digital platform by launching the official website and repositioning its presence on the social media platforms.  Product positioning and customer segment analysis to focus on the identified profitable segments.  Implementation of effective marketing campaigns and promotions for brand awareness and sales increment.

Create and maintain product performance plans including product road map, marketing calendars, product guides, portfolio segmentation and performance reporting. Support line of Business through market and competitor research including industry, marketplace, and future trends, covering both primary and secondary sources. Identify, develop and implement initiatives to meet established and strategic goals. Formulate proposals for value added services and improve product features for enhancing current value proposition. Work with teams on product market segmentation and service experience design. Selected Contributions:  Conducted marketing campaigns & promotions which were first to the market thus creating positive brand awareness.  Analysis of entire Credit Card portfolio and support to optimize the portfolio.  Product positioning and customer segment analysis to focus on the identified profitable segments. Assess status of service delivery, plan and coordinate for service delivery improvement, implement and validate implementation results. Effective use of relevant MIS and development of measuring and tracking mechanisms.

Credit Manager – Retail Clients (Aug 2014 – Feb 2017)Manager - Unsecured Policy (May 2013 – July 2014)Asst. Manager – Unsecured Lending (Nov 2010 – April 2013)Overall Policy Governance of Credit Initiation, Fraud Risk Management, Collections & Recoveries and MIS & Analytic related to credit cards, personal loans. Develop a good / bad bank segmentation model for use in portfolio management activities. Prepare procedures, flow charts, reports wherever necessary on the day to day credit functions to run the department smoothly & consistently. High level of business partnership and engagement to ensure alignment and implementation of the strategic agenda. Actively engaging business in portfolio activation and intervention initiatives.

Area of Responsibility:  Evaluation and recommendation of companies to the businesses to promote new business (Credit Cards & Loans)  Develop a company segmentation model for use in unsecured portfolio product management.  High level of business partnership and engagement to ensure alignment and implementation of the strategic partnerships

Area of Responsibility:  Product development & execution, promotion development & management, coordinating with the banks region group level on product & service issues, MIS reporting, complaint management, etc.  Product Manager for Internet banking – Developed programs to increase the usage of the product thus helping the bank to reduce cost on operations.  Launched & Managed the Outbound telesales unit for Wealth Management (General Insurance

Successfully completed the Management training programme in the following areas – Priority banking & Branch Banking / Wealth Management.

Screening and recruiting resources for the company. Resource management – allocate resources to projects and coordinate. MIS maintenance and reporting to local & group.