Ahmed Razzak Khant
Dubai,UAE
Summary
Highly dedicated and result-driven professional with core competencies in Sales and Customer Service. Possesses expertise in selling products and services, providing administrative support, and performing under work pressure. An exemplary coach with various coaching methodologies, coordination, and analytical abilities. Proficient in relating to people at any level of business and hierarchy to ensure smooth task execution. Exceptional relationship management skills with proven abilities in completing all assigned tasks amidst tight deadlines and schedules. Experienced in working in cross-cultural and multi-lingual environments.
Overview
17
17
years of professional experience
1
1
Certification
Work History
SRM (Wealth Management Priority Banking)
EMIRATES ISLAMIC BANK
Dubai, U.A.E
12.2015 - 03.2025
- Sourcing existing / new customers for the Wealth Management business of the Bank
- Focusing on developing a book of clients
- Bring in assigned/target upfront revenue from the wealth management products
- Increase casa books / bringing fresh deposits into existing client's accounts
- Understanding the needs of the end customer & providing appropriate financial solutions
- Handling of Relationship to aid customer for all his wealth management requirements
- To ensure customer documentation is complete & in compliance with the bank's requirements
- Identify and segment the target market for potential new business opportunities
- Manage client relationships to achieve assigned sales revenue and customer acquisition revenue based on the individual's potential and affinity towards those client segments
- Maintain regular contact with clients including regular face to face meetings where I expect to profile clients risk and return aspirations and deliver a tailored portfolio of products
- Provide a genuine advisory approach to clients thus becoming their first port of call on Wealth Management requirements
- Build relationships with key clients and influencers across the UAE Market, seeking referrals to grow your list of clients
- Adhere to a robust control framework ensuring that your communications with client meet internal control standards and external regulatory requirements
- Ensure Quality and consistent service delivery at all touch points for all clients
- Attending product trainings, to be up to-date with the market developments
- Excellent experience with different Wealth products
- Successfully delivered on tasks within tight deadlines.
- Carried out day-to-day duties accurately and efficiently.
- Quickly learned and applied new skills to daily tasks, improving efficiency and productivity.
- Supported team by demonstrating respect and willingness to help.
Assistant Team Leader (SME / Balance Building) - Portfolio Management Unit
MASHREQ BANK
Dubai
02.2012 - 11.2015
- Maintain & manage an assigned portfolio with existing Business clients to retain & grow their banking relationships in a profitable manner and in line with assigned business growth targets
- Identify, solicit and acquire new Business clients in line with approved corporate strategies for Assets, Liabilities, Trade and Treasury Sales
- Negotiate appropriate credit lines in conformity with the Bank underwriting standards and risk adjusted targets after thorough analysis of information necessary for the preparation of a detailed credit proposal
- Making regular visits to clients for both monitoring and business generation purposes
- Such visits to be recorded by way of call reports which are to include all pertinent information in a timely manner
- Conduct account planning with Client Service Team Members & cross selling other products & services to Business clients to ensure multi-product relationship and greater Share of wallet
- Facilitating other lines of business in exploiting business opportunities through referrals to Wealth/Consumer Banking
- Establish effective & professional communication both internal and external to ensure turnaround time within designated parameters and higher client satisfaction levels
- Ensure timely and accurate credit administrations through timely completion of annual reviews and regular monitoring of financials, covenants and other parameters within the review cycle
- Manage a team of Support Officers, set, agree and measure annual targets, provide professional advice, guidance, training & motivation to enhance their potential & capabilities to hold higher responsibilities, and conduct their performance reviews
- Sourcing existing Mashreq Customers with Credit Cards, Easy Cash and Balance Transfer across the customer's card portfolio
- Convincing the customer while maintaining the highest level of customer Service
- Ensure compliance in all areas of operational activity and drive sales and profitability through the performance
- Ensure fulfillment of offers and simultaneously build good relationship with the customers
- A Team Player and handle the team in absence of my Team Leader
- Ensured sales achievement of over150% of my target month on a regular monthly basis and I have been consistently rates as Significantly Above target (SAT) since I joined Mashreq Bank
Senior Sales Representative (SME & Healthcare/Medical Insurance) - Business Banking & Retail Banking Group
STANDARD CHARTERED BANK/ SCOPE INTERNATIONAL
U.A.E
11.2010 - 12.2011
- Understand the client's requirements and assess, discuss and agree on a deal's desirability in coordination with Products and Credit partners, to ensure these business requirements can be met and the client's investment would be sustainable and consistent
- Develop account plans in a consistent and timely manner in order to swiftly follow-up on identified business opportunities and regularly update the Unit Head, portfolio's accounts development
- To provide portfolio of SME clients with personalized service so as to develop close relationships, achieve maximum profitable contribution for the client and the bank and retain their loyalty and respect
- Enhance SME clients Wealth sales/revenues and promote cross selling of bank products to all existing clients
- Source new business from SME Gold individuals through referrals, marketing activities and personal contacts
- Ensure clients are aware of all financial services offered by the bank
- Generate the leads as per the given data by the business team and up sale ALICO Insurance for existing customer
- Convincing the Customers and ensure that we deliver the best coverage for Healthcare/Medical insurance as per customers need
- Ensure fulfillment of offers and simultaneously build good relationship with the customers
- A Team Player and handle the team in absence of my Team Leader
- Ensured sales achievement of over 170% of my target month on a regular monthly basis and I have been consistently rates as A Rating
Team Leader (British Telecom Up selling) - Sales Unit
SASCOVO INNOVATION AT IT'S BEST
Bangalore
01.2010 - 07.2010
- Ensure review of existing efficiency levels by tracking efficiency
- Achieving the set targets for the team on Sales /customer satisfaction
- To coach on key business deliverables weekly
- Soft skills coaching on customer service balance and conduct refreshers to help improve sales
- Drive performance and coach team members
- Review and discuss performance with the associates and Report to the stake holders
- Co-ordinate with the client to discuss quality and policy updates
- Ensure the defined process is followed by all the members to ensure 0% errors
- Lead and motivate the team to deliver highest connection British telecom and give its best performance
- Monitored performance and implemented measures to improve the quality and agent skills
- Managing the MIS on a daily basis and reporting the same with the clients
- And also encourage team to identify better customer satisfaction and make suggestions to improve and enhance product performance to drive brand achievement throughout the UK
Senior Account Representative (Collection Process) - GE Money Unit
BEYOND GLOBAL / REPCOL INDIA PVT LTD
Bangalore
01.2008 - 12.2009
- Ensure demonstration to assist the clients to resolve their debts / Liabilities
- To continually update knowledge how to manage their wages and clear the debts at the earliest
- Ensure all payments are complete and correct for each transaction
- Manage debtor's queries and complaints and follow client's feedback procedure
- Report and discuss as and when required agreed performance ratios, comparing actual with targeted performance
- Attend training programs as necessary to maintain product knowledge, so to be able to present in an expert way to client's to get out of any legal actions
- Any other duties as and when required by senior company managers that are reasonably within the capabilities of the person and are aimed at achieving the company's objectives and goals
- A Team Player and handle the team in absence of my Portfolio Manager
Education
Tamilnadu University
Bachelor of Commerce -
Kendriya Vishwa Vidyalaya
IndiaSkills
- Highly dedicated and result driven professional with core competencies in Sales and Customer Service
- Possess expertise in selling products and services together with providing administrative support
- Dealing with performing under any work pressure
- Exemplary Coach with various coaching methodologies, coordination and analytical abilities
- Proficiency in relating to people at any level of business and hierarchy for ensuring smooth task execution
- Exceptional relationship management skills with proven abilities in completing all assigned tasks amidst tight deadlines and schedules
- Experience of working in cross-cultural and multi-lingual environments
- Problem-solving
- Communication skills
- Public speaking
- Team building
Certification
- CISI Level 2, International Introduction to Securities and Investment
- CISI Level 3, International Certificate in Wealth and Investment Management
- CISI, The United Arab Emirates Financial Rules and Regulations
Accomplishments
- GEMS sapphire award for being top RM 2017, 2019, 2020, 2021, 2022, 2023 and 2024 at Emirates Islamic.
- Best Relationship manager in FX revenue multiple times in a year (around 15 times).
- Best employee of the year in 2008 by Beyond Global / Repcol India Pvt Ltd.
- Top performer of the month in 2011 - 4 times by Standard Chartered Bank/ Scope International.
- Best Employee of the Year in Mashreq Bank for 2012, 2013 and 2014.
Languages
English
Hindi
Urdu
Kannada
Guajarati
Khachi
Sindhi
Personal Information
- Date of birth: 09/18/86
- Nationality: Indian
- Marital status: Single
- Religion: Islam
- Visa status: Emirates Islamic Bank
Custom
I hereby declare that all the above mentioned details are true and correct to the best of my knowledge.
Timeline
SRM (Wealth Management Priority Banking)
EMIRATES ISLAMIC BANK
12.2015 - 03.2025
Assistant Team Leader (SME / Balance Building) - Portfolio Management Unit
MASHREQ BANK
02.2012 - 11.2015
Senior Sales Representative (SME & Healthcare/Medical Insurance) - Business Banking & Retail Banking Group
STANDARD CHARTERED BANK/ SCOPE INTERNATIONAL
11.2010 - 12.2011
Team Leader (British Telecom Up selling) - Sales Unit
SASCOVO INNOVATION AT IT'S BEST
01.2010 - 07.2010
Senior Account Representative (Collection Process) - GE Money Unit
BEYOND GLOBAL / REPCOL INDIA PVT LTD
01.2008 - 12.2009
Tamilnadu University
Bachelor of Commerce -
Kendriya Vishwa Vidyalaya
Similar Profiles
Mohammad Saeed AbdullahMohammad Saeed Abdullah
Business Banking, Assistant Relationship Manager at Emirates Islamic Bank PJSBusiness Banking, Assistant Relationship Manager at Emirates Islamic Bank PJS
SHAHEER SHAJAHANSHAHEER SHAJAHAN
ASSISTANT RELATIONSHIP MANAGER at EMIRATES ISLAMIC BANKASSISTANT RELATIONSHIP MANAGER at EMIRATES ISLAMIC BANK
Mohamed SewidiMohamed Sewidi
Escalation Officer at Emirates Islamic BankEscalation Officer at Emirates Islamic Bank