Summary
Overview
Work history
Education
Skills
Accomplishments
Timeline
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Adithya Karunakaran

Dubai,UAE

Summary

Accomplished professional with a robust skill set in financial analysis, strategic communication, and negotiation. Demonstrates expertise in team management and leadership, driving business development through strategic sales planning and customer acquisition. Proven track record of achieving sales targets and enhancing customer relationships within the retail banking sector. Adept at compliance and governance policies, with proficiency in banking software such as Finacle and Ficro. Committed to fostering talent acquisition, training, and development to build high-performing sales teams.

Overview

14
14
years of professional experience
5
5
years of post-secondary education

Work history

Customer Service Officer

FAB BANK
Ajman, UAE
09.2024 - Current
  • Maintained up-to-date knowledge about products and services.
  • Delivered high-quality service and sales.
  • Meet montly sales target incluidng personal loans, credit cards and account openings and contribute to branch revenue goals.
  • Company Overview: Core Product - Personal Loans and Credit cards, Retail Banking. Monthly Target - Personal Loans 1.5 million and 8 credit cards.
  • Prioritised tasks as per urgency, ensuring completion of all tasks within shift.
  • Adapted quickly to product changes or updates, resulting in minimal disruption to service.
  • Maintaiin strong customer relationship management.
  • Promote and cross-sell bank products like auto loan, bancassurance and mortgage loans.
  • Maintain proper documentations and audit-ready records
  • Investigate and resolve customer complainnts prompltly and professionally.

Sales Team Leader

RAK BANK
Dubai, UAE
06.2023 - 07.2025
  • Company Overview: Channel Partner - Pact Employment Services (Derby Group). Core Product - Personal Loans, Retail Banking. Current Monthly Team Target - 5 Million Personal Loans.
  • Recruited top sales talent to build a high-performing team specializing in personal loans sales, contributing to the organization's growth and success.
  • Achieved the budgeted 5 million AED personal loans team sales target for Rakbank while leading a team of 10 Sales Executives and an Assistant Team Leader (ATL).
  • Managed end-to-end sales cycles for personal loans, from cold calling and lead generation to closing deals, sales coordination, customer onboarding, and post-sales support, ensuring exceptional customer satisfaction and driving revenue growth.
  • Developed and implemented comprehensive training programs to enhance sales executive proficiency in sales techniques, product knowledge, focusing on personal loans' features, benefits, loan policies, and fraud prevention, ensuring compliance with banking regulations.
  • Generated new business opportunities by strategically listing companies with RAKBANK, leveraging personal networks for customer data access.
  • Implemented strategic plans and activities to achieve business goals, monitored, optimized daily sales activities and approaches to align with strategic objectives. This enhanced team performance, maximizing business opportunities and driving revenue growth.
  • Coordinated with internal departments to streamline personal loans application approval processes, ensuring a seamless customer experience and regulatory compliance.
  • Maintained exemplary customer service standards, ensured compliance with regulatory and internal banking policies for personal loans, including accurate documentation and adherence to lending guidelines, upholding the organization's reputation and fostering customer loyalty.
  • Conducted regular performance evaluations, coaching sessions, enhancing team productivity and product knowledge. Provided regular reports and insights to senior management on sales performance, market trends, and strategic initiatives.
  • Channel Partner - Pact Employment Services (Derby Group). Core Product - Personal Loans, Retail Banking. Current Monthly Team Target - 5 Million Personal Loans.

Senior Sales Specialist

RAK BANK
Dubai, UAE
01.2014 - 04.2023
  • Company Overview: Core Product - Personal Loans and Credit Cards, Retail Banking. Monthly Target - 1.5 Million Personal Loans and 8 Credit Cards.
  • Successfully got promoted from Sales Officer to Senior Sales Specialist, showcasing exceptional performance, leadership in driving sales initiatives, achieving targets, and dedication in driving business growth and fostering strong partnerships with RAKBANK's key stakeholders.
  • Marketed and sold RAKBANK personal loans and credit cards to existing and new to bank customers, consistently exceeding monthly individual sales targets by collaborating closely with Team Leaders.
  • Led the complete sales lifecycle for personal loans and credit cards, overseeing activities from initial cold calling and lead generation through deal closure, sales coordination, personal loans application process, credit card approval processes, customer onboarding, and post-sales support. This comprehensive approach consistently delivered exceptional customer satisfaction and fueled revenue growth.
  • Generated new business opportunities by strategically listing companies with RAKBANK, leveraging personal networks for customer data access and conducting strategic visits to key companies to foster relationships, identify prospects, and expand market share.
  • Coordinated with internal departments to streamline personal loans application approval processes, credit card approval processes and resolution of any pending issues, ensuring a seamless customer experience.
  • Ensure compliance with all regulatory requirements and banking policies throughout sales operations and customer engagements.
  • Prepared detailed daily, weekly, and monthly sales productivity reports.
  • Identified opportunities for cross-selling other banking products and generated leads accordingly.
  • Provided comprehensive mentorship to newly onboarded sales employees, assisting them in building their client base through strategic cold calling and client visits, while also supporting team members in achieving their individual sales targets by meticulously monitoring their daily sales activities and strategies.
  • Provided insightful market intelligence and actionable recommendations to senior management, supporting informed decision-making and business alignment.
  • Assumed leadership responsibilities in the absence of the Team Leaders and Sales Manager, ensuring the team achieves its monthly sales objectives.
  • Core Product - Personal Loans and Credit Cards, Retail Banking. Monthly Target - 1.5 Million Personal Loans and 8 Credit Cards.

Sales Officer

RAK BANK
Dubai, UAE
11.2011 - 01.2014
  • Company Overview: Core Product - Personal Loans, Retail Banking. Monthly Target - 800k Personal Loans.
  • Marketed and sold RAKBANK personal loans to both existing and new-to-bank customers, achieving monthly individual sales targets by fostering collaboration with Team Leaders.
  • Consistently exceeded individual sales targets as a Sales Officer, demonstrating exceptional sales skills and contributing significantly to revenue growth.
  • Managed end-to-end sales cycle for personal loans, from cold calling and client visits to lead generation to closing deals, sales coordination, customer onboarding, and post-sales support, ensuring exceptional customer satisfaction and driving revenue growth.
  • Generated leads through various channels like referrals, cold calling, customer database, networking, and online platforms to expand the customer base.
  • Built client base through strategic cold calling and client visits, fostering relationships with key companies, identifying new business prospects, and expanding market share.
  • Identified cross-selling opportunities by understanding customer requirements and recommending relevant banking products and services.
  • Conducted market research and analysis to identify potential areas for business growth and expansion.
  • Collaborated with various departments to ensure timely and accurate processing of loan and credit card approval and resolution of any pending customer.
  • Maintained accurate and up-to-date records of sales activities, customer interactions, and pipeline opportunities in the Finacle, Ficro Banking systems.
  • Ensured compliance with all regulatory requirements and banking policies during sales activities and customer interactions.
  • Core Product - Personal Loans, Retail Banking. Monthly Target - 800k Personal Loans.

Education

Master of Business Administration - Marketing

VTU University
03.2009 - 04.2011

Bachelors of Commerce -

Calicut University
03.2005 - 04.2008

Skills

  • Strong financial & analytical skills
  • Strategic Communication
  • Negotiation Skills
  • Team Management & Leadership
  • Business development
  • Customer acquisition and retention
  • Staff Supervision & Training
  • Banking Software’s: Finacle & Ficro
  • Compliance and Governance Policies
  • New to Bank Customer Acquisition
  • Customer Relationship Management
  • Retail Banking Products Knowledge
  • Proven Track record of Sales Target Achievement
  • Adaptability
  • Sales Coordination & Customer Onboarding
  • Talent Acquisition & Sales Team Formation
  • Training and Development
  • Market Analysis & Market Research
  • Sales Forecasting and Reporting

Accomplishments

  • Recognized as a Top Performer in Credit Card Sales for Q1' 22 and Jan' 22.
  • Achieved 1st Runner Up in Personal Loan Sales for Nov ' 22.
  • Secured 2nd Runner Up in Personal Loan Sales and Credit Cards Sale for FY' 21.
  • Achieved 1st Runner Up in Amal Personal Finance in Jan'18.
  • Secured 3rd Runner-up in Amal Personal Finance in FY' 18.
  • Achieved 1st Runner Up in Personal Loan Sales for Oct’18, Jan'17, and Jan-Mar '17periods
  • Recognized as Top Performer in Personal Loan Sales for Feb'14
  • Secured 2nd Runner Up in Amal Personal Finance in Feb '14
  • Earned 3rd Runner Up in Personal Loan Sales in Jan '14.
  • Earned 3rd Runner Up in Personal Loan Sales in May'13.
  • Earned 3rd Runner Up in Amal Personal Loan Sales in Nov'13.
  • Achieved 1st Runner Up in Personal Finance in Jun'13.
  • Achieved 1st Runner Up in Amal Personal Finance in May '13.
  • Earned various certificates, awards & prizes based on performance.

Timeline

Customer Service Officer

FAB BANK
09.2024 - Current

Sales Team Leader

RAK BANK
06.2023 - 07.2025

Senior Sales Specialist

RAK BANK
01.2014 - 04.2023

Sales Officer

RAK BANK
11.2011 - 01.2014

Master of Business Administration - Marketing

VTU University
03.2009 - 04.2011

Bachelors of Commerce -

Calicut University
03.2005 - 04.2008

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Adithya Karunakaran