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Customer Service Sales

United Arab Emirates
USD 6000
February 25, 2018

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PO Box no ****

Abu Dhabi UAE

Mob: +971 52 833 5881


A competent banking professional having five years of expertise in Sales/Retail Banking / Customer service/ Banking/Business Loans/Operations/Credit Services seeking key assignments with an organisation of high repute.


Skilled in Customer Service, Cross selling interacting with clients, achieving targets and maintaining good customer relations for effective cross selling of other financial products.

Collating and interpreting financial data for determining the financial performance of the companies; developing the Valuation Model. Preparing monthly and quarterly business/ financial variance reports.

Investigating and understanding key business issues behind the numbers and providing clear, concise and timely Credit analysing & recommendations. Gathering and preparing functional specifications from business requirements.

Proficient in handling the entire gamut of banking operations entailing processing of accounts, SME, Unsecured loans, KYC, handling various accounts & its functioning & providing the basic banking facilities to the account holders.

Demonstrated abilities in cementing healthy relationship with the clients for generating business and leading workforce towards accomplishing business and corporate goals. Experience in team leading & motivation.

Possess excellent communication and analytical skills with demonstrated abilities in customer relationship management and fulfilling the sales target of the branch.

Hands on experience in Banking Software such as ‘Finacle07’, Finnone, I-view, I-sense AOT etc

Professional Experience

Mabeaat (Hadaf Al Khaleej Commercial Services L.L.C)

Job Role –Team Leader for Retail Liability Sales

Dept: Emirates NBD Assets

Duration: March 2016 onwards


Handling a team of Sales officers and tale sales for Abu Dhabi

Responsible for preparing work schedules to ensure appropriate coverage and delegate it to the team on daily basis.

Administration of regular office activities such as leaves requests, time management for the sales team members and other office staffs.

Screen and share target V/S Achievement statistics on daily basis to the senior authorities.

Liable for scrutinizing applications and verifying documents submitted before sending them to the clients.

Responsible for the documentation such as incomplete documents / over writing or any fraudulent documentation.

Ensure the office is ready for audit for any time and maintain compliance as per Emirates NBD norms.

Liable for preparing audit sheet, training sheet, TL report and checking daily visit reports / DSR Reports.

Ensure that all customer queries, complaints and suggestions are handled effectively.

Responsible for taking primary level interview, staff selection and training of newly hired staff.

Maintaining cordial relations with clients for smooth functioning of operations.

Maintaining discipline among the team creating favorable working condition.

Accountable for achieving Team’s target.

Union National Bank, UAE

Job Role -Relationship Officer and Acting Team Leader

Dept: Small and Medium Scale Enterprises

Duration: March 2013 to December 2015


Create New Relationship and exploit the opportunities by visits, telephone, or persuade customer to purchase bank’s products like Bank Guarantee, Letter of Credit, Business Loans etc.

Accountable for self as well as team target.

Identified potential clients using advertising companies, personal contacts etc.

Provide regular market feedback as well as inputs for the formulations of sales strategy.

Maintain good relationship with key organization and their employees.

Monitor performance of the team; explore new ideas and tactics for SME business development.

Problem Solving relates to follow-up and close monitoring of banking needs of customer in SME operation.

Did an additional responsibility of making Client Line proposal for Credit team.

Interact proactively across related operating and support department to find enduring solutions ongoing business issues.


Job Role –Officer

Dept: Customer Service Branch Banking

Duration: November 2009 to February 2013


Meeting the CASA Target of the Branch.

Meeting new customer acquisition of Branch (SB, NRI & Current accounts).

On boarding activities and cross selling products such as FD, RD, Travel Card, LI, GI, Auto loan, BLG, Housing loan etc.

Ensuring compliance of service standards for effective customer service and implementation of systems for appropriate customer complaint management

Conceptualising business development plans for the purpose of achieving pre-designated revenue plans as well as cross selling of productslike Housing loan, Car Loan, Credit Card, Mutual Fund, Life Insurance etc; overseeing personal banking desk & queue management, account opening document checking & exception tracking

Identifying and target new as well as existing clients (individual & corporate) for promoting various banking products and cross selling other products for enhancing revenue generation.

Meeting fee income targets of the branch

Ensuring compliance of service standards for effective customer service and implementation of systems for appropriate customer complaint management

Rendering services with compliance to time & quality norms as per the organizational regulations & standards

Adhering to account opening / KYC Norms (Errors / Discrepancy) confirmation of AML alerts and rectification of AIMS

Mile stones and award

Got a rating of P2 in fiscal year 2010, 2011 and 2012 consistently.

Best sales officer award among the region for the months October to January in last financial year consistently in2011.

Pan India gold medal winner for NCA sourcing in the month of September 2012.

Best Sales officer Grand Master Award in the month of June to October consistently 2012

Lead New Customer Acquisition Team for Vikom New Branch opening.

Orange Cap Winner, Dine with RH Winner For LI and FD Rethna Winner for FD sourcing


Job Role-Business Development executive,

Dept: Business Banking Group

Duration: July 2009 to October 2009


Meeting Business Accounts target for the cluster.

Lead generation activity.

Support branch team to complete the sales as well as the documentation and KYC as per the requirement.

Maintaining good relation to the existing customers for better GL

Adhering to account opening / KYC Norms (Errors / Discrepancy) confirmation of AML alerts and rectification of AIMS

National Educational Development Council, INDIA

Job Role –Centre Manager

Duration: June 2007 to June 2009


Managing day to day activities of the centre

Ensuring proper delivery of the subjects and training to the students.

Timely project completion and examination.

Proper documentation of educational certificate and ensure proper delivery of study materials.

Weekly and monthly review for subjects

Daily audit on accounts and transactions of the centre

Heading monthly meeting with parents and council meeting

TATA AIG Life insurance

Job Role: Financial Advisor

Duration: May 2006 to May 2007


Handling new & existing HNI customers.

Business development through direct sales & Achieving targets.

Maintaining good relation with the new & existing customers.

Up selling and cross selling of product and services

Follow up the renewal etc

Cross sells & Up sell of Life Insurance Products to existing customers.

Marketing of Mutual Funds Portfolio Management Services.

Generating Business from Natural Markets and through references

Providing training regarding Health insurance, sales, products etc.

Identifying the customer needs.

Business result, Business Development, Relationship Management, Risk Management and Persistency.

Ensure timely issuance of policies and claim settlement.

Ensure underwriting of policies at the time of proposal

Professional Development & Qualification

BSc Industrial Chemistry (52%)

Vocational Higher Secondary (agriculture with Science) Kerala Education Board (88.8%)

Matriculation (Kerala Education Board (69.6%)

Extra Curricular Development & Qualifications

President Scout Award from Mr. K R Narayanan (Hon: President of India)

Linguistic Abilities

English, Malayalam,Hindi and Tamil.

Personal Dossier

Date of Birth : 24-10-1985

Marital Status : Married

Nationality : Indian

Visa Status : Transferable

Passport No : H3994396

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