Mohammed Fasiullah khan Lodhi.
Banking & Financial Operations
Al Mamzar Mahdi AlHasan Bldg. 107, Dubai, UAE
About Myself & Career Objective
A versatile and skilled professional with 13 years of experience in the Banking & Financial services industry. I worked with a leading exchange company as a Branch Manager. Possessing strong leadership and dynamism necessary to provide quality service of the highest order and the efficiency to drive products’ competitive advantage. Possess comprehensive knowledge of the money exchange industry, its products and services, and its procedures with the ability to aim high, think smart and act fast. My profile includes meeting Sales & Revenue budgets on the Foreign Exchange services to Retail and SME Clients. It involves liaising with the treasury department and clients to maximize the branch revenue, maintain existing HNI client & SME relationships and new client acquisitions.
Customer retention International banking Management Information
Client relations Negotiating skills Business modeling
Corporate banking AML Transaction Monitoring Coordination
Branch Manager /Internal Audit April 2007 onwards till Jan 2020
Al Rostamani International Exchange Dubai-UAE
Build & implement strategies to ensure Budgeted Sales & Revenue targets are achieved.
Drive Sales activities and Marketing programs for customer acquisitions at the branch.
Handling WPS registration procedures and assisting clients on processing their salary using WPS system.
Assimilate Market information through surveys and research.
Ensure effective Floor Management, implementation of Customer service policies and maintain Service levels at the Branch.
Ensure efficient manpower planning and budgeting to support business needs.
Lead, develop, and motivate team members.
Ensure adherence to policies and procedures, AML guidelines & Central Bank of UAE regulations.
Monitoring AML transaction.
Ensure customer retention through high standards of service delivery and excellent Client relationships.
Co-ordinate with Compliance, Marketing and Service excellence to improve business opportunities
Conduct training on new products and processes implemented in the organization.
Preparing reports on PMS and target achievement of employees and sending the same to management.
Successfully managed a team of 20 Staff from different nationalities including Emiratis, involved in a monthly Branch turnover of 170 million AED.
Branch Revenue and new client acquisitions target achieved continuously from last six years.
Core team member for the Dubai Quality Award initiative for Processes & Customer Results
Commended for quality customer service.
Ensured satisfactory Audit compliance.
Trained Internal Auditor – Process & Quality Management Standard
Participated in the Emiratization program – Tatweer.
Successfully setting-up of two new branches in Dubai.
Designation: In charge – Operations February 1997 till March 2007
Bombay Mercantile Co-operative Bank
A leading Private Sector Bank operating strategically located across India.
Areas of Responsibilities
Acquire & mobilize Savings & Current Deposit Accounts through a dedicated team of Sales Manager and 10 Sales Executives and also Fixed Deposit’s and DE mat products.
Responsible for overall business development, operations & administrations of the branch
Maximize productivity through review of operating procedures, streamlining work flow, budgeting & cost management and attrition management.
Ensure Regulatory & Audit Compliance through periodic collation and submission of various reports pertaining to KYC, AML guidelines etc. within timelines.
Manage the Process Operations of the Welcome Kit, Chequebook, & Statement of Accounts Department.
Implement New Products in liaison with Business Teams.
Identify gaps in current processes and redefine the current process.
Support launch of New Branches, Products, and Redesigning of processes.
Liaison with Regulatory Offices, Central Office – Business Departments and Branches.
Develop new Business partners; enter into Service Level Agreements (SLA) and Inventory Management.
Achieve budgeted revenues and sales growth of Wealth products like OD, Auto Loans, Personnel Loan, Salary class loans, Insurance with focus on Financial Planning & Customer Relationship through a team of Wealth-Relationship Managers.
Service & manage portfolios of customers in the High Net worth Individuals (HNI’s) segment through Priority Banking.
Promote and cross sell Third Party products of Mutual Funds & Insurance to the existing & new to bank branch customers thru presentations on Wealth products to various Corporates.
Sell Personal loans and OD, Car Loans, Mortgage Loans, LAS to Salaried and Self Employed clients
Conduct presentations on various Wealth products for Corporates especially Senior Executives & employees.
SME & Trade Finance:
Manage the present SME Portfolio of INR 100 million comprising of 68 customers with varied profiles like Trading, Manufacturing & Software Companies with Service Relationship Manager
Meet potential customers to promote various Products through SME Relationship Manager
Responsible for Business Acquisition for Fund Based & Non-fund based limits covering Cash Credit, Overdrafts, Term Loan, Letters of Credit, Buyer's Credit, Bank Guarantee, Pre & Post-Shipment Finance through a team of Trade RM and SME RM’s
Analyze credit-worthiness of SME and Business Banking clients and liaise with credit teams for obtaining sanctions, following up for disbursals and monitor the asset performance.
Scrutinize Loan Application forms, Ensure requisite documentation, & Appraise customer profile for Retail Assets- Personal, Car, & Home loans.
Ensure Regulatory & Audit compliance through periodic collation & submission of various reports pertaining to KYC /AML guidelines etc. within time and periodic review of Audit related matters.
Corporate Banking Operations:
Manage the Corporate Banking operations of 6 clients – Jc D’Souza, JM D’Souza, Pretibial Industries, Rallis India Ltd thru a dedicated Trade RM and a Corporate RM
Meet potential Corporate Clients along-with Corporate Relationship Manager to enhance the business relationship
Successfully managed a team of 35-Staff.
Top performer with excellent track record of meeting and exceeding the sales targets and customer’s expectations.
Conducted many detailed market surveys, and made some value able decisions, including a recommendation for cost free current account with average balance requirement, which really proved out to be an excellent product of the bank which gained very good share of market deposit.
Successfully Managed & Executed the design, production, and dispatch of security stationery to the Bank’s 45 branches during the Re-branding exercise.
Designed and Implemented the Payable-At-Par cheques facility to Cash credit accounts.
Designed and implemented the auto-cheque replenishment facility for NRI customers.
Ensure secrecy and safe handling of stock of security stationary cheque books, ATM cards, and customer feed backs, complaints. And to address the issues.
Successfully supervised the floor team and ensured Audit accuracy in Account opening.
Identify customer needs and propose solutions or means for these needs and submit suggestions to senior management for any improvements required in operations.
To supervise all the working of the branch and checking of day end reports.
Supervision of account opening documents, uploaded by the banking officer/teller.
Trained New and Existing staff on Product details for Account opening and KYC documentation to mitigate financial frauds
Masters of Business Administration (MBA Marketing)
ISO 9001: 2015 Quality Management System
Awareness & Internal Auditor Training Course
Date of Birth: 25thOctober 1970 Nationality: Indian
Languages Known: English, Hindi, and Marathi & Urdu Marital Status: Married
Passport No: M 1016683 (Valid till 2024) Driving License No: 1929365 (UAE)
Reference available on Request