Senior Sales Risk Management

Accomplished professional specialized in Customer Happiness, Sales, Customer Retention,

Credit Initiation, assisting in Mortgage underwriting, Software UAT testing, Credit checks, Customer Verification, Collection, Risk management with an extensive 9 year experience of UAE retail sector. Hands-on experience on working SAP CRM, Flex-cube, OMNI Docs, MB E-name, EDMS, IRIS, AECB and Collection systems,, Prime and SELECT. Proven ability to thrive in high pressure environment.

MUHAMMAD FAHAD KHAN

Senior Sales Advisor & Customer Happiness Manager

0551125669-0552230962

*****************@******.***

CONTACT

Customer Care,

Sales,

Customer Happiness,

Credit Checks,

UAT testing,

Customer Verification,

Collections,

MIS,

Negotiation,

Portfolio Management,

Risk control,

Dialer System Management,

Target Oriented.

COMPETENCIES

PROFILE

PROFESSIONAL EXPERIENCE

ACHIEVEMENTS

Received Appreciation for Job

well done from Mashreq Bank.

Best Performer of the Month Title

for achieving collection targets.

Letter of Appreciation from

K Electric & PIA.

PERSONAL INFO

Married and 3 Kids (in UAE)

Pakistani National

Holding EMPLOYMENT

VISA

Valid UAE DRIVER’S

LICENSE.

Senior Sales Advisor (January 2023-Present)

Dubai Islamic Bank

Selling Personal Finance on Tele-sales.

Selling Islamic Finances, Auto finance and Credit cards.

Dealing with customers on Call and face to face, following Banks Conde of Conduct and maintaining Central Bank Guidelines.

Assistant Mortgage Credit Officer - CIC (August 2021 –November 2022) Mashreq Bank - Dubai, UAE

Documents retrieval using Omni Docs (EDMS) and entering essential information in Mortgage Loan Processing systems like IRIS/RCMS.

Dealing with sales, Mortgage advisors for relevant important documents and statements.

Customer Enrollment in the bank crediting CIFs on Flex Cube for main applicant and co applicant.

Calculating, evaluating customer income for both salaried and self -employed.

Using UAEFTS for customer auto statement generation.

Using MB E-Name for customer name check.

Checking Customer AECB and credit history.

Calling and doing CPV (customer verification, employer and references.

Checking other relevant information’s daily like EIBOR rates, exchanges rates fir Non-Resident Customers.

Documents management, filing valuation reports and dealing with storage department like InfoFort.

Testing the newly built System RCMS, UAT testing for all modules mortgage, personal loan and credit card.

Senior Collections Officer – CCRD (July 2017 – August 2021) Mashreq Bank - Dubai, UAE

Collecting payments from delinquent customers (Credit card bucket cases) using tools like Dialer, Collection management system and Prime. Senior Collections Officer (June 2016 – June 2017) Emirates Management & Debt Collection LLC - Abu Dhabi, UAE

From Fresh write off Bucket 7 till Vintage cases from RAK Bank. Maintaining MIS and sharing it with management and clients on a daily basis.

Dealing with customers from all the products of RAK Bank including Credit cards, Auto Loan, RAK Finance and Personal Loan.

Managing team members and leading the communication with Agency managers. Coordinating with Client in term of performance and taking waivers, settlements and clearance.

Tracing Customers, negotiating with them for settlements and visiting customers and bank for the follow-up to settle disputed liabilities. Senior Collections Officer (August 2013 – May 2016) Tahseel – Hadaf Al Khaleej Debt Management LLC - Sharjah, UAE

Cases from Mashreq Bank Bucket Portfolio (Bucket 1 till 6) Cards. Trace & Communicate with Customers by Telephones, messages, fax, emails, meetings when required and negotiating and resolving their Debts.

Ensuring that Bank and Company Monthly Targets are achieved keeping the Company and Bank code of conduct followed. Monitor the team performance in higher buckets and communicating with clients.

Maintaining the Company MIS and Clients MIS including Field Visit MIS. Coordinate closely with Client in term of performance and taking waivers, settlements and clearance.

Sales Executive

Internet Wadi FZCO – Dubai, UAE (February 2013-August 2013)

Product sales including POS terminals.

Services sales of website and e-commerce sites.

Maintaining Sales track and developing RTM (route to market)

After sales services to customers of Internet Wadi and sister companies like Lorenzo house and paintball Wadi.

MIS Coordinator (August 2009 – August 2010)

Pakistan International Airlines – Head Office Karachi, Pakistan

Ensured the training for the newly inducted Management Trainees is on track. Ensured the MTOs attendance is recorded using Time Management System PIAC

(Tool for recording attendance).

Involved in decision making for placements of MTOs in respective department. Reported all MIS to Director Training and Development, PIA. EDUCATION

Master’s in Business Administration (2011-2012)

Specialized in Branding, Sales & Advertising (MARKETING) University of Karachi - Pakistan

Bachelors in Business Administration (2007-2009)

Specialized in MIS, Accounting & Management

University of Karachi - Pakistan

Contact this candidate