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Sales Customer Service

Dubai, Dubai, United Arab Emirates
May 29, 2018

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Tehmina Saleem

Dubai, UAE.

Mob: +971*********

Email to:

UAE Driving License Holder


Highly-motivated Banking Professional with over eight years experience in banking Industry as Credit Coordinator, Sales & Customer services. Seeking position that reflects my experience, skills, and personal attributes including dedication, meeting goals, creativity, and the ability to follow through.

Highlights of Qualifications:

Hands-on experience in performing coordination and documentation activities.

Profound knowledge credit policies, requirements and reconciliation procedures.

Ability to protect and maintain confidential information, efficiently.

Ability to create and maintain customer profiles for the company.

Familiarity with professional and excellent customer service attributes.

Amazing ability to work independently and in a group environment.

Immense ability to communicate effectively both verbally and in written form.

Management with excellent computer skills.

Experience in delivering client-focused solutions based on customer needs

Meticulous approach to work with good organization skills.

Can handle multiple tasks effectively & very much flexible with time.

Excellent spoken & written communication skills in English & Urdu.


Expert in handling people of diverse nationalities, and renowned for being an excellent team player.

Confident and capable of working on own initiative under strict deadlines.

Ability to adapt to new environments and grasp work quickly.

Comprehensive understanding of client confidentiality

Well organized, systems oriented & have a strong attention to details.

Efficient, smart, reliable and hardworking.

Dependable and truthful.

Ability to keep calm under pressure.

Professional Experience:

Marketing Analyst & Coordinator – Zee Zee Arts SDN BHD,KL Malaysia (March 2017 – Feb 2018)

Implements marketing and advertising campaigns by assembling and analyzing sales forecasts; preparing marketing and advertising strategies, plans, and objectives; planning and organizing promotional presentations; updating calendars.

Researches competitive products by identifying and evaluating product characteristics, market share, pricing, and advertising; maintaining research databases.

Monitors budgets by comparing and analyzing actual results with plans and forecasts.

Updates job knowledge by participating in educational opportunities; reading trade publications.

Participate in daily edit meetings to monitor and communicate progress of various projects.

Assists others in the department as needed.

Other such duties as required.

Credit Coordinator – SME, Islamic Finance House PJSC, Dubai, UAE (Sep 2015 – Feb 2016)

Received daily login from sales end.

Prescreen and Review the complete files according to the Policy.

Perform all Checks on files & vigilance on applications.

Conduct and review ECIB reports.

Complies loan applications with all necessary documents and determine their eligibility.

Calculate DBR & Income from Bank Statements.

According to policy finalized the case before sending to credit.

Submit applications to credit analysts for verification and recommendation.

Monitor TAT in order to keep track of each case being processed.

Ensure efficient and effective of processing of cases.

Ensure productivity from team and that turnaround time is minimized.

Ensure that all guidelines set by management are adhering to.

Coordinate with Loan processing, sales, credit and operation departments.

Ensure enforceable legal documentation for credit facilities as per legal guidance and standard format/procedures

Ensure Credit appraisals are adequately approved and conform to internal and Regulatory guidelines

Co-ordination with operation department for disbursement.

Managed and reviewed team performance and project completeness,

Develop and maintain MIS Reports of the status of all applications processed with remarks.

Maintain the record of daily forwarding files.

Ensure the safekeeping of all legal documentation file including document imaging and creation of legal documentation files.

Coordinate and follow-up loan files submitted to the credit until disbursal.

Personal Banking Officer,Multi Products, HSBC Bank Middle East, Dubai,UAE (Sep2013 – June2015)

Established and executed tactical plans for sales focusing on company listing, payrolls and cards that go beyond expectations, maintaining /increasing, product profitability, and customer satisfaction

Acknowledging customers promptly and treating them in a courteous manner.

Finding out what information, products or services the customer requires to meet his/her needs, providing clear, accurate and relevant information.

Opens customer accounts by recording account information

Maintains customer records by updating account information.

Resolves product or service problems by clarifying the customer's complaint; determining the cause of the problem; selecting and explaining the best solution to solve the problem; expediting correction or adjustment; following up to ensure resolution.

Manage customer arrivals to maximize relationship building opportunities.

Improving the overall customer relationship, delivering reliable administrative support and customer service.

Senior Sales Officer, Retail Cards Cross sell Team, Barclays Bank Dubai, U.A.E.(Aug 2011 – Aug 2013)

Responsible for developing and maintaining a portfolio in an assigned market.

Recommend more products and provide business advice that will benefit the business client.

To ensure that every employee is working to his/her potential and that most appropriate approach is used by the team members.

Rresponsible for expanding the bank's market share on all products, selling more effectively and ensuring customer satisfaction ensuring the bank's presence as a major player in a competitive environment.

Leads, motivates, guides and manages the direct sales team.

Creates new relations and exploits the opportunities to bring fresh sales officers to achieve targets.

Works on new ideas to reduce attritions. Adheres to internal work rules and regulations

Following long-term sales strategies that increase portfolio and helps in cultivating the long-term relationships with proper decision makers.

Maintain and grow strong mid-to-senior level client relationships by understanding their key marketing objectives.

Acting as the bridge between customers and management.

Maintaining the reports for improvement in client service on the basis of the feedbacks provided by the clients and the sales force.

Relationship Officer - Wealth Management, Emirates NBD Bank, Dubai, U.A.E. (Jan 2011- Jul 2011)

Maintaining sound client relations and bringing portfolio of the company to the bank.

Managing the teamwork and guiding the team members over the issues highlighted by them.

Mentoring newly hired employees and supervising them, get knowhow of the policies and standards of the organization.

Being a part of the daily team meetings to give opinions and suggestions for a better and an enhanced teamwork.

Dealing the customers personally by visiting them, having a persuasive conversation, convincing the individuals and bringing in new companies as clients focusing the payrolls, accounts and loans, investments, fix deposits.

Dealing the customers on the queries and the problems faced by them.

Following the rules and regulations, completing the task being given with full commitment, achieving the given target, as per policies and standards of the organization.

Handle all requests in the best interest of both customer and company.

Demonstrate continuous effort to improve sales volumes, decrease turnaround times, streamline work processes, work cooperatively.

Resolve the most difficult customer complaints and correspondence and authorize adjustments to customer accounts.

Cater to customers by communication channels like portal, telephone and e-mail, being first pints of contact for external customers.

Sales Coordinator, Wateen Telecom, Karachi, Pakistan (April 2009 to Sep 2010)

Preparing daily call reports and a monthly pipeline of the targeted market.

Promoting company products & services to identified the prospective clients.

Being a part of the daily team meetings to give opinions and suggestions for a better and an enhanced teamwork.

Keeping a track of the customers by maintaining individual files in case any need arises for any record in the future.

Review completed orders for errors or complains, train employees in order taking procedures and customer relations techniques.

Organize in such a way that the sales activities are delivered timely in order to guarantee a perfect customer service.

Maintaining a strong knowledge of products of the company.

Assist in the analysis of customer trends to enhance sales and service management process and pre-requirements.

Sales activity planning, including reviewing existing customer files to identify business opportunities.

Customer Care Officer, Nib Bank, Pakistan (Sep 2006 to Mar 2009)

Dealing the customers personally by having a persuasive conversation

Expert in a consultative customer service, teaming up and collaborating with others.

Observing new clients’ achievement, by making contact with the customer at planned intervals.

Ensuring customer agenda satisfaction.

Identifying and understanding customer problems and taking necessary actions for solving.

Cultivate and manage new and existing client relationships of high-net worth individuals, their related businesses and organizations.

Maintains good relationships with key organizations and their employees.

Determining extra product prospective through the other product brands, places, and sections.

Offer management with the suggestions for developing volume in terms of sales and maintaining high-end client database.


Master of Science (M.Sc.) 2005

Plant Bio - Chemistry

Karachi University, Pakistan

Bachelor of Science (B.Sc. Hons) 2004

Karachi University, Pakistan


Comfortable working on various operating systems and platforms like Windows, Mac OS, Outlook Express, Email writing, Web and social skills and many more.

Familiar with installation and configuring different applications. Proficient with: MS word, Excel, and Power point.


Nationality : Pakistani

Visa status : Visit Visa

Languages known : English, Urdu

Marital Status : Married

D.O.B : 27th July 1981

Religion : Islam

Driving License : Valid UAE Driving License

*Supporting Documents and References will be provided on request*

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