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Rawdat Al Khail, Qatar
September 18, 2019

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Location – Doha, Qatar

Mobile – 009**-********

E-mail –

LinkedIn – prerna-lalwani-805a81177

Career Summary

Banking professional with 15+ years of experience in managing, implementing and driving results in the areas of Business Development, Corporate + Retail Banking & Portfolio Management, Business Banking and Team Management. Innovative, profit-oriented Manager with demonstrated success in increasing revenues, market share and earnings, achieving cost reductions and improving client satisfaction in large diverse organizations. Recognized as possessing exemplary interpersonal, leadership, communication, and presentation skills.

Area of Expertise

Business Development

Merchant Acquiring

Strategic Planning/Analysis

Cross Sell

Fraud Monitoring Program

Portfolio Management

Relationship Building

Profit Maximization

Cost Control

Launch of New Product and services

Business Banking

Process Improvements

Loyalty Partnerships, Reward Programs

Team Leadership

Strong Financial Management

Professional Experience

Employer : Commercial Bank, Doha Qatar

Designation: Relationship Manager, Merchant Acquiring

Duration : August 2012 – Till date

oSuccessfully Built & Managed strategic KEY Merchant Relationships that contribute to the major chunk of the Bank’s total Acquiring turnover through Relationship and portfolio management, prospecting, sales management & grew the key customer base by 40%.

oContributed to development, production and implementation of initiatives as part of the annual planning exercise thereby remarkably exceeding prior profitability and revenues more than 45%

oExcelled in transforming Loss making Merchants into profitable merchants by implementing corrective steps thereby increasing revenues by 210%

oDelivered incremental revenue through sales of Value Added Services by formulating the business plan, launch and roll out of new consumer banking services like Tap N Pay, DCC, BNPL and MPOS and mentored the Product Managers to succeed in the growth and revenues of their products. Successfully achieved a 35% conversion rate of Tap N Pay transactions in the first month of launch and contributed significantly towards 1.5 MN transactions in the first year.

oSlashed the inactive merchants by 22% to ensure Quality Portfolio.

oGenerated incremental business from existing and new KEY Merchant acquisitions, boosted revenues from Large Corporates & High Net Worth Individuals, Revamped pricing, introduced various fee-based income streams, identified new opportunities for growth, develop & implemented plans for demand generation and fulfilment.

oCo-created segmented Marketing Offers, Built Loyalty Partnerships through merchant on-boarding, Rewards Programs, Competitor & Market Analysis.

oContributed in Recruiting, training, built and developed motivated core team members, monitoring and analyzing their performance regularly to be aligned towards organizational goals.

oConceptualized and implemented fresh strategies for onboarding merchants, programs and customized merchant campaigns for improving card acceptance levels and enhancing Bank's position as a key player in the market by constantly rocketing market share.

oIn depth understanding and experience on Retail, Business Banking & Acquiring business development, Products, Card scheme and local payment regulations, contracting and legal agreements.

oImplemented new Ideas to support client retention strategies by practicing the root cause analysis / corrective action process for constant improvement of existing and new customer base.

oAccomplished high level of engagement with clients to provide products and marketing solutions that drive Acceptance Development through POS, E-Commerce (Cyber source) and Mobile Commerce.

oCollaborated with other business units such as branches, transaction banking, cards marketing & product alliances, corporate banking teams & Risk teams supporting existing initiatives and identifying / driving new Blue Box business to contribute towards improving the cross-sell ratio.

oDirected and delegated tasks to the technical team to consistently deliver top class service.

oMonitored merchant chargeback and fraud volumes in response to red flags of high-risk merchants and attained satisfactory scores for E Commerce clients in the Fraud Monitoring program by engaging with Risk team and Cyber Source to be in line with Qatar Central Bank Compliance guidelines

Employer : HSBC Bank, Doha - Qatar

Designation: Premier Relationship Manager (August 2008 – August 2011)

Advance Relationship Officer (June 2005 – July 2008)

Duration: June 2005 – August 2011

oManagement of existing Premier customers through portfolio management & continuously grew the Premier customer base.

oCollaborated with the customer to develop and execute an annual strategic account plan, and putting in place regular review sessions to establish, monitor and report progress against joint objectives.

oDeveloped product roadmap and sales plan to drive growth.

oSuperseded the cross-sell ratio target and contributed towards growth of deposits.

oResponsible to monitor competition, understand and influence Product positioning and pricing of Bank’s products to win client portfolios, considering the regulatory environment of the Bank.

oBoosted revenue through offering Wealth Management and Premier / Advance products & services.


2019 – Retail Achievers Award for Q2 at CBQ in recognition of maximum merchant enrolments for CB Fawri programme.

2017 – Retail Achievers Award for Q1 at CBQ in recognition of outstanding portfolio management skills.

2017 - Certificate of Appreciation at CBQ for client retention despite stiff market competition.

2009 – Shukran Award and Excellence in Customer Service Award at HSBC for superseding the cross-sell targets.

2005 - Shukran Award at HSBC for exceeding the Premier customer base targets.

Educational Qualification

June 2000 - Post Graduate Diploma in Management Studies (PGDMS) from Mumbai University

June 1998 - B. Com from S.I.E.S College, Mumbai University.






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