Deputy Head

• Apr 2023 - Present

Business Development Manager

• May 2016 - Apr 2023

- Develop comprehensive customer contact plan to promote The Access Bank UK's brand in the UAE and to approach prospects and customers in specific market sector- Ensure the branch in DIFC (Dubai International Financial Centre) reaches annual budgets by developing new to bank profitable introductions under Commercial/Corporate Banking and Trade Finance Strategic Business Units- Establish, enhance and manage the Financial Institutions and Correspondent banking relationships with Local & International banks (FI - India, GCC, China, UK)- Build strong network of contacts and effective relationships with the various business units, enhancing trade finance awareness- Drive and Measure post implementation results / return on investment for all initiatives like events, sponsorship, marketing campaigns and PR- Give tailored presentations and demonstrations of products, insight and understanding of the business, market and target- Establish and market productive and cost-effective relationships with a variety of 3rd party suppliers including PR, event and advertisement agencies- Maintain excellent audit trails and reporting in support of all office approvals, registers and forms- Prepare and maintain internal control standards of The Access Bank UK SOPs, product and process manuals, including timely and regular updates and approvals- Ensure The Access Bank UK doesn’t incur any reputational loss arising from communications, activities or as a consequence of entering into unreasonable contracts- Stay alert of industry and competitor best practice together with changes in the market, regulatory environment including DFSA (Dubai Financial Services Authority) in Dubai, FCA (Financial Conduct Authority) and PRA (Prudential Regulation Authority) in the UK and improvements in customer service processes and technologies- Be responsible of ensuring that all relevant legal and compliance requirements are adhered to including AML, KYC, TCF, Data protection etc. Show less

Senior Relationship Manager - Commercial Banking

• Dec 2014 - May 2016

- Awarded for outstanding performance for generating maximum revenue in the Emerging Corporate Banking - Originating leads and booking customers by providing them with EI's Sharia Compliant Islamic Banking products - Checking informally potential customers' conduct with other banks on their and conduct full due diligence in order to avoid rejections by credit and maintain - Keeping customers updated on new Islamic banking products like Corporate Ijarah, Liquidity Murabaha (cash-into-account) facility and finance against mortgage of property with full limits up to the mortgage value - Coaching Senior Relationship Officers in Analyzing the financials and preparing quality Credit Proposals - Justify credit proposals by adding quality comments upon review of concerns raised by underwriters and liaison between the bank and customers to close deals successfully - Coordinating with Islamic Banking departments for limit loading, account opening and utilization of TF facilities - Pro-actively manage portfolio of clientele from various industries and different book sizes and enhance limits - Routinely visit customer on a periodic basis to update call reports on observations made, changes in business performance, financial conditions etc - Alerting management in case of any alarms received by proactive identification of delinquency and prepare EWR - early warning report of unsatisfactory account conduct - Referred customers for cross selling EI's banking products like sukuk investment products, payroll accounts, liability corporate accounts, retail banking products - Actively participated in campaigns like "Sales Blitz" in Bur Dubai Computer market for lead generation - Identified strategies to mitigate risk to full extent possible by adding assignments/mortgages - Completed Moody's Risk Analytics training (Modules 1 & 2) conducted by the bank Show less

Relationship Manager - Corporate & Commercial Banking

• Jan 2014 - Dec 2014

- Portfolio Management - Corporate Banking (Large corporate segment) - Provide structured financing solutions based on business model - Manage trade finance and working capital facilities for medium and large corporate clients - Risk Rate corporate banking customers based on their financials and banks internal credit rating system - Analyze the customers’ cash flows and prepare spreads, credit proposals & credit memorandum - Market new clients requiring Trade Finance, project finance, syndication and working capital financing facilities - Conduct field visit, routine visit and regular follow up with clients, cross sell other banking products - Peripheral Skills include sound knowledge of credit analysis and operational procedures - Attended training program on corporate banking, advanced financial analysis and internal applications conducted by FH Show less

Senior Manager - Corporate Relationship

• Mar 2010 - Aug 2013

• Discuss potential customers’ financial needs, structure appropriate financial products, negotiate and book facilities. • Discuss with financial institutions on customizing financial products for healthy customers • Head the Lead Generation Unit and Negotiations & Execution Management team • Risk rate corporate customers on rating system and appropriate tools for financial analysis • Manage clients’ portfolio and company relations with financial institutions, local and international • Ensure facility repayments are made as scheduled • Notarize and witness shipments of goods • Maintain steady relationship with developers to generate leads and references • Contacted around 29,900 customers, evaluated 900+ customers and successfully closed 150+ deals so far • Ensure the company complies with the quality certification rules and conduct internal audit, renew ISO QMS certification • Establish and implement CRM application and clouding application (Zoho, Pimero, ACT, Sales Cloud), train employees and ensure smooth flow of data Show less

Relationship Manager - Business Banking

• Aug 2008 - Mar 2010

• Risk Rating business banking customers based on their financials and required information by using tools like 6 sigma risk rating system or Moody’s Risk Analysis • Analyzing the customers’ cash flows, preparing Credit Memorandum and credit proposals and comply with the Target Market and Risk Acceptance Criteria • Marketing new clients requiring Trade Finance or working capital financing facilities whose financial health falls into investment grade category as per bank’s internal financial analysis model • Ensure loading of appropriate mix of product as per client’s business requirements • Managing portfolio of clientele i.e., businesses utilizing primarily trade finance and working capital facilities • Conducting field visit, routine visit and regular follow up of clients and decision makers • Monitoring relationship for proactive identification of delinquency and provide timely updates to the management • Peripheral Skills include sound knowledge of credit analysis and operational procedures for feeding limits and settlement keeping in mind the compliance requirements as well as protect the security of the bank • Attended 6 week Core Credit Analysis Program conducted by 6 Sigma Consultancy Group on Credit Analysis and Relationship Management • Certified Total Quality Management professional, expert level from Expert Rating • Research the target market and participate in development of new business to the organization • Maintaining a steady relationship with developers and Companies to generate leads and references. • Identifying potential corporate clients and providing mutually beneficial product and service • Assisted the senior management for the recruitment process of fresh candidates for the organization • Maintaining relationship with various Banks and Financial institutions in the UAE and following up of the client’s record with other banks Show less

Team Leader - Business Banking

• Sep 2006 - Aug 2008

• Monitoring the team's daily activity & ensuring that they meet the allocated targets. • Preparing spreadsheets based on the financials and analyzing customers based on the Risk Acceptance Criteria • Visit customers as per calendar entries prepared by the CSD team & ensure effective implementation of the groups KYC & ML procedures. • Monitor market competition and provide feedback to Manager • Monitoring quality by regular check on Call Reports • Monitoring effective use of STACM through contact profile, call reports, action plan & outcome of the call. • Performance Management and Training & Development to the new and existing employees • Developing suitable MI reports & ensuring that the MI is submitted on a daily/weekly/monthly basis as required by the Senior DFS Manager • Assist Senior DFS MGR at all level of work to help smooth running of the department. • Awarded twice - “Best Business Banking Advisor” for consecutive extraordinary performance in the year 2007 for 2 sets of 6 months each. • Focused on sale and increase the account base of non-borrowing customers • Convert appointments and other leads into successful account opening and product sales. • Actively promote corporate products such as Credit Scoring, HSBC Islamic Banking Products (AMANAH), Business Select Package, Internet Banking, Business Telephone Banking, ATM Card and other Corporate Products relevant to the customer and refer leads to other departments. • To do house keeping on a continuous basis. All the accounts managed by the jobholder to have complete Contact Profiles, Contact details and Call reports • Comply with all statutory and administrations compliance requirements. Show less