Vinesh Kumar Email & Phone Number

Dubai, Ae

Dubai, United Arab Emirates

- Assist Relationship Managers in preparing and reviewing detailed credit proposals for SME clients, ensuring alignment with internal policies and regulatory guidelines.- Conduct comprehensive financial and credit analysis for SME clients to assess creditworthiness and support business banking operations.- Collaborate with internal stakeholders, including risk and compliance departments, to streamline the credit approval process and ensure timely disbursements.- Monitor and maintain… Show more - Assist Relationship Managers in preparing and reviewing detailed credit proposals for SME clients, ensuring alignment with internal policies and regulatory guidelines.- Conduct comprehensive financial and credit analysis for SME clients to assess creditworthiness and support business banking operations.- Collaborate with internal stakeholders, including risk and compliance departments, to streamline the credit approval process and ensure timely disbursements.- Monitor and maintain a portfolio of SME clients, providing ongoing support for account management, credit documentation, and loan servicing.- Support cross-selling efforts by identifying additional banking products and services suited to clients’ financial needs, contributing to business growth.- Manage daily operational tasks, ensuring efficient and compliant handling of customer transactions, financial inquiries, and service requests. Show less

Karachi, Pakistan

• Managed corporate portfolio of 35 Conventional and Islamic clients with over USD 80 million of exposure.• Conducted in-depth credit analysis to address client financial needs effectively and assess creditworthiness.• Prepared timely credit approval packages and security documentation in line with bank’s guidelines. • Regularly collaborated with internal and external stakeholders to manage transaction requests.• Facilitated client meetings to discern banking requirements and… Show more • Managed corporate portfolio of 35 Conventional and Islamic clients with over USD 80 million of exposure.• Conducted in-depth credit analysis to address client financial needs effectively and assess creditworthiness.• Prepared timely credit approval packages and security documentation in line with bank’s guidelines. • Regularly collaborated with internal and external stakeholders to manage transaction requests.• Facilitated client meetings to discern banking requirements and identify potential cross-selling opportunities.Achievements:• Increased loan portfolio by USD 15 million by acquiring 10 new corporate clients, • Boosted trade volume for corporate department by 15%, amounting to USD 17 million, through cross-selling activities• Generated total commission income of USD 2 million for department during year 2023, surpassing assigned targets. Show less

Karachi, Pakistan

• Managed team of 8 associates to review credit applications and make recommendations to approving authority.• Prepared credit applications following thorough risk assessments and analysis.• Conducted regular portfolio reviews to identify potential risks, including monitoring creditworthiness and market trends.• Addressed clients' inquiries and collaborated with various internal departments to ensure timely resolution.• Conducted periodic joint stock and property inspections to… Show more • Managed team of 8 associates to review credit applications and make recommendations to approving authority.• Prepared credit applications following thorough risk assessments and analysis.• Conducted regular portfolio reviews to identify potential risks, including monitoring creditworthiness and market trends.• Addressed clients' inquiries and collaborated with various internal departments to ensure timely resolution.• Conducted periodic joint stock and property inspections to mitigate bank risk.• Facilitated credit review meetings and presented proposals addressing risk management concerns.Achievements:• Developed SME-tailored product, resulting in 25% increase in portfolio growth, equating to USD 6 million in additional revenue. • Managed diverse loan portfolio, facilitating 35% growth supporting COVID-19 relief efforts, particularly for housing loans.• Received honorary Star Performer Award for soliciting highest number of housing finance clients in region Show less

Karachi, Pakistan

• Acquired 40 new SME accounts, aligning with bank's growth objectives.• Engaged in marketing campaigns to enhance product awareness ensuring portfolio growth.• Maintained up-to-date knowledge of regulatory requirements and bank policies to ensure compliance.• Offered financial guidance to clients, addressing their specific needs and bolstering client relationship management efforts.• Devised and executed innovative marketing strategies to augment new-to-bank client… Show more • Acquired 40 new SME accounts, aligning with bank's growth objectives.• Engaged in marketing campaigns to enhance product awareness ensuring portfolio growth.• Maintained up-to-date knowledge of regulatory requirements and bank policies to ensure compliance.• Offered financial guidance to clients, addressing their specific needs and bolstering client relationship management efforts.• Devised and executed innovative marketing strategies to augment new-to-bank client acquisition.Achievements:• Awarded Outstanding Performance Award for acquiring 40 SME accounts during 2019.• Awarded Outstanding Performance Award for achieving top position in 2018 for surpassing KPI by 25%.• Implemented innovative marketing strategies resulting in a 35% increase in new-to-bank clients. Show less

Master Of Business Administration - Mba, Finance And Marketing, 3.56

Activities and Societies: Participated any sports events in collboration with student's ouncil. Awarded Chancellor's Roll for achieving.

Bachelor Of Business Administration (Bba), Business Administration And Management, General, 3.13

Activities and Societies: - Participated in Student council events and workshops for skills development - Achieved 3.13 CGPA