AMAN SABHARWAL
Abu Dhabi
Summary
Commercial Banking professional with 15+ years of progressive experience in SME & Mid-Corporate Banking, Portfolio Management, Credit, Sales Leadership, and Relationship Management across UAE. Proven track record of building high-performing teams, driving portfolio growth, improving asset quality, and delivering strong client relationships within regulated banking environments. Aspiring to take on Head of SME / Head of Commercial Banking responsibilities.
Overview
21
21
years of professional experience
Work History
Senior Manager – Ultra Team, Commercial Banking
ABU DHABI COMMERCIAL BANK (ADCB)
05.2023 - Current
- - Lead a team of Relationship Managers & Senior RMs, driving portfolio growth and asset quality.
- - Acquired new-to-bank clients and expanded existing portfolio.
- - Guided RMs on structuring credit proposals, financial analysis, and risk assessments.
- - Presented unit performance and financial results to senior management.
Senior Relationship Manager – SME Business Banking
ABU DHABI COMMERCIAL BANK (ADCB)
01.2015 - 04.2023
- - Managed SME portfolio with turnover ranging from USD 5M to USD 250M.
- - Prepared detailed credit proposals including financial and business analysis.
- - Monitored portfolio health, covenants, and EWS triggers.
- - Cross-sold cash management, treasury, and retail products.
Unit Manager – Business Installment Loans
ABU DHABI COMMERCIAL BANK (ADCB)
03.2014 - 12.2014
- - Led Sales Managers and DSAs for loan acquisition.
- - Conducted performance analytics and drove process improvements.
Sales Manager – Business Installment Loans
ABU DHABI COMMERCIAL BANK (ADCB)
05.2011 - 02.2014
- - Managed DSA team to achieve asset sales targets.
- - Cross-sold Trade Finance, ABF, and CASA.
Relationship Manager – SME Liabilities
ABU DHABI COMMERCIAL BANK (ADCB)
11.2008 - 04.2011
- - Managed liability acquisition team and achieved revenue growth.
- - Cross-sold Cash Management, Trade & Treasury products.
Business Development Officer – Corporate & Investment Banking Group
MASHREQ BANK
06.2006 - 11.2008
- - Acquired corporate liability relationships and met revenue targets.
- Senior Relationship Officer (UAE)
- - Sold PL, credit cards, and other retail products.
Team In-Charge – Sales Support Engineer
SONY INDIA PVT LTD
09.2004 - 01.2006
- - Managed dealer operations and conducted product training.
Education
MBA - Marketing & Finance
MS University
IndiaBachelor of Engineering - Instrumentation & Control
Ambedkar Institute of Technology
IndiaSkills
- - Commercial Lending & Portfolio Strategy
- - SME/Mid-Corporate Relationship Management
- - Credit Analysis & Risk Assessment
- - Business Development & Revenue Growth
ADDITIONAL DETAILS
Languages: English, Hindi, Punjabi
ADDITIONAL DETAILS
Cricket, Table Tennis, Music
Timeline
Senior Manager – Ultra Team, Commercial Banking
ABU DHABI COMMERCIAL BANK (ADCB)
05.2023 - Current
Senior Relationship Manager – SME Business Banking
ABU DHABI COMMERCIAL BANK (ADCB)
01.2015 - 04.2023
Unit Manager – Business Installment Loans
ABU DHABI COMMERCIAL BANK (ADCB)
03.2014 - 12.2014
Sales Manager – Business Installment Loans
ABU DHABI COMMERCIAL BANK (ADCB)
05.2011 - 02.2014
Relationship Manager – SME Liabilities
ABU DHABI COMMERCIAL BANK (ADCB)
11.2008 - 04.2011
Business Development Officer – Corporate & Investment Banking Group
MASHREQ BANK
06.2006 - 11.2008
Team In-Charge – Sales Support Engineer
SONY INDIA PVT LTD
09.2004 - 01.2006
Bachelor of Engineering - Instrumentation & Control
Ambedkar Institute of Technology
MBA - Marketing & Finance
MS University