AMIR SHORA

• Cultivated strong relationships with merchants through regular visits, account reviews, service support, and tailored commercial solutions, enhancing client satisfaction and loyalty.
• Managed merchant retention and portfolio protection to keep high-value merchants active and prevent them from moving their POS/payment facilities to competitors.
• Retain merchants by negotiating and providing competitive MDRs based on their MCC, business profile, and transaction volume.
• Identified and leveraged opportunities to increase merchant revenue and engagement through targeted cross-selling and upselling of additional payment solutions, driving portfolio profitability.
• Promote and onboard value-added products including Pay by Link, BNPL, Payment Gateways, and other digital payment solutions.
• Currently manage a portfolio of 100 active merchant accounts with a combined monthly transaction volume of approximately AED 80–120 million.
• Manage AED 80–100M monthly transaction volume across approximately 100 merchant accounts.
• Analyze merchant transaction volumes and business requirements to identify opportunities for upselling, cross-selling, and increasing wallet share.
• Monitored merchant activity proactively, implementing corrective actions in response to declining transaction volumes to sustain portfolio growth.
• Maintain strong relationships with business owners and key decision-makers to develop long-term partnerships and maximize merchant lifetime value.
• Managed a monthly target of AED 20,000 in POS rental revenue and 15 new merchant acquisitions, consistently meeting the assigned targets.
• Successfully combines new business hunting with strategic account management and merchant retention.
• Drive additional revenue through MDR optimization, Pay by Link, BNPL and other payment solutions.

RELATIONSHIP manager

• Joined the organisation with responsibility for acquiring new merchants and promoting POS terminals and payment solutions across the UAE.
• Consistently ranked among the Top Achievers from the first month, delivering strong merchant acquisition and transaction volume.
• Successfully sold an average of 30 POS terminals per month, generating approximately AED 35,000 in monthly rental revenue.
• Built and managed a merchant portfolio generating approximately AED 12 million in monthly transaction volume.
• Proactively identified new business opportunities and acquired merchants across multiple business sectors.

Key Achievements - First Year

• Onboarded approximately 350 new merchants within one year.
• Contributed to more than AED 100 million in monthly transaction volume through newly acquired merchants.
• Promoted to Accounts Manager after one year based on sales performance, merchant acquisition, and business contribution.

Accounts Manager

• Managed a portfolio of approximately 100 key merchants, with a monthly transaction volume of AED 80-100 million.
• Maintained strong merchant relationships and supported the portfolio to stay active, profitable, and well-managed.
• Conducted regular merchant visits and business reviews to understand customer requirements and identify growth opportunities.
• Focused on merchant retention and portfolio growth by offering competitive MDRs, customized commercial solutions, and value-added services.
• Promoted additional products and services including BNPL, Pay by Link, Payment Gateways, and other digital payment solutions.
• Developed long-term relationships with high-volume merchants to protect and grow the existing portfolio.

Key Career Highlights

• Recognized as one of the Top Achievers from first month of employment
• Sold an average of 30 POS terminals each month
• Generated AED 35,000 in rental revenue from POS terminals monthly
• Facilitated AED 12 million in monthly transaction volume during sales role
• Onboarded 350 new merchants throughout the year
• Generated over AED 100 million in monthly transaction volume from newly acquired merchants
• Achieved promotion to Accounts Manager within one year
• Oversaw a portfolio of 100 merchants generating AED 80-100 million in monthly transaction volume

• Team of 50 Retail Banking sales staff - Portfolio of Credit cards, Personal Loans, BEYOND PREMIUM CASA, Merchant Loans, Auto Loans, Achieving Highest Revenue in a unit by selling Retail Products. 2020 - 150% Target achievement, 2021-185% Target achievement, 2022 - 200% Target achievement, 2023 Q1 and Q2 - 230% Target achievement.
• First Team to do 100 cards and 320 CASA beyond accounts, 200 cards and 511 CASA beyond accounts, 350 cards in a Unit and 740 CASA beyond accounts, First Team to achieve 17 productivity as a team with Non digital sourcing, Average Productivity of 13-14 cards with 2-3 M PF monthly - 33 Top manager awards in 3 Years.
• Awarded Top Manager for exceptional performance in selling Super Premium Cards for Emirates NBD.
• Winner of the prestigious GEMS Award for outstanding results in the Manchester Card Contest.
• Spearheaded upselling of Personal Finance solutions to top MNCs and non-listed companies, driving significant revenue growth.
• Specialized in reviving dormant company accounts by building and maintaining strong business relationships with CEOs, CFOs, and other key decision-makers.

• Established relationships with key decision makers at target accounts to drive business development initiatives.
• TOP premium and super premium cards sales staffs
• Focus on HNW customers to sell INFINITE cards and advise them to invest in wealth as Refer program
• Sales of credit card and personal loans.
• Conducted extensive market research to identify new opportunities for customer acquisition and retention.

• Assisted customers with account inquiries and bank service requests efficiently.
• Promoted banking products and services to enhance customer financial portfolios.
• Conducted credit assessments and approved loan applications following bank policies.
• Ensured compliance with banking regulations and internal controls consistently.
• Resolved customer complaints promptly to maintain satisfaction and loyalty.
• Supported cross-selling efforts to meet branch sales targets effectively.

• Customer Service Executive: Handled incoming queries of customers and provided effective resolutions.
• Managed customer accounts with accuracy and efficiency.
• Cross-sold various banking products including CASA, Credit Cards, and Insurance.
• Advised customers on suitable Wealth Management products based on their profiles.
• Promoted to Team Lead role, managing a team of 10 staff members.
• Supervised inbound and outbound operations ensuring smooth handling of queries, disputes, and complaints.
• Guided the team in cross-selling and up-selling banking products including CASA, Credit Cards, Insurance, and Wealth solutions.
• Acted as Wealth Advisor to customers, providing tailored investment and financial guidance.
• Ensured high service standards and achievement of monthly sales and service targets.