AMMAD ALI RAJA
Dubai
Summary
Banking & Financial Services Professional with 12+ years of experience across Relationship Management, Asset Management, Branch banking, Real Estate Sales & Investments, and Business Development. Expertise in Client Acquisition, Portfolio Growth, Product & Market Development, Partner Channels, and Revenue Generation.
Overview
2
2
Languages
17
17
years of professional experience
Work History
Relationship Manager – Branch Banking
United Arab Bank
Dubai
07.2026 - Current
- Managed client relationships and supported branch sales, service, and account growth
- Collaborated with internal teams to ensure seamless customer service
- Provided tailored banking, lending, investment, and wealth solutions
- Identified cross-selling opportunities through proactive client engagement
- Handled account servicing, transactions, and issue resolution efficiently
Senior Relationship Manager – Retail Banking
FIRST ABU DHABI BANK
Dubai
03.2025 - 07.2026
- Identified and developed new business opportunities through market mapping, lead generation, and strategic outreach
- Expanded customer acquisition channels through referrals, corporate connections, and on-ground business development activities.
- Developed strategic relationships with external partners and key stakeholders to generate new revenue opportunities.
- Executed targeted acquisition campaigns for Personal Finance, Credit Cards, and Retail Banking solutions.
- Monitored market trends and competitor activity to identify emerging business opportunities.
- Delivered growth targets through structured pipeline management, conversion strategies, and business development initiatives.
Business Development Manager – Retail Banking
DUBAI ISLAMIC BANK
Dubai
10.2022 - 05.2024
- Developed new business opportunities, acquiring clients and expanding the portfolio within personal finance and retail banking.
- Generated and converted leads through strategic client engagement, referrals, and market outreach.
- Strengthened client relationships, identifying and leveraging cross-selling opportunities in loans, credit cards, and liability products.
- Built a strong sales pipeline and consistently delivered business and revenue targets.
- Oversaw end-to-end sales cycle, ensuring quality service delivery and adherence to compliance standards.
Business Development Manager
FIRST ABUDHABI BANK
Dubai
07.2018 - 04.2022
- Conducted high-volume outbound calls to existing and prospective customers, identifying financial needs to enhance product sales.
- Engaged customers through consultative conversations, promoting Personal Loans, Credit Cards, Accounts, and other banking solutions to meet their financial goals.
- Increased multi-product penetration by identifying cross-selling opportunities during customer interactions.
- Consistently achieved sales and revenue targets through effective communication, product knowledge, and customer conversion.
- Followed up with customers throughout the sales process to maximize conversions and provide a seamless experience.
Senior Sales Executive – Consumer Finance
MAID AL FUTTAIM FINANCE
Dubai
08.2016 - 02.2018
- Led direct Credit Card acquisition initiatives across kiosks, on-ground activations, and strategic customer channels.
- Cultivated partner relationships and launched joint business initiatives, which enhanced acquisition and revenue opportunities.
- Executed cross-selling strategies for banking products through consultative customer engagement and targeted product positioning.
- Developed partner relationships and joint business initiatives to expand acquisition and revenue opportunities.
- Facilitated sales execution through proactive customer engagement, timely follow-up, and strategic market activation.
Senior Relationship Officer | Retail Banking
MASHREQ BANK
Dubai
12.2014 - 04.2016
- Assisted leadership in enhancing revenue, sales volumes, and telesales performance.
- Evaluated team performance through call reviews and MIS analysis, ensuring daily productivity met targets.
- Pinpointed performance gaps and facilitated coaching initiatives for team improvement.
- Maintained high standards of conduct, governance, and sales quality.
- Escalated and managed control issues with transparency and timely resolution.
Store Manager
NISA TODAY
11.2009 - 02.2013
- Managed daily store operations to ensure smooth functioning.
- Exercise general control over all activities in the store.
- Oversaw all promotional offers, ensuring alignment with store goals and customer needs.
- Supervised product entry into inventory system, ensuring accuracy and timeliness.
- Ensure quality and quantity of materials
- Managed point-of-sale system to process transactions accurately and efficiently.
- Maintain Proper records Staff Management
- Worked as a Store Keeper
- Supervised staff scheduling and task assignments to optimize team performance.
Education
High School Graduate -
PUNJAB COLLEGE OF INFORMATION TECHNOLOGY
ISLAMABD, PAKISTANSkills
- Relationship & Portfolio Management
- Client advisory services
- Client growth strategies
- Revenue development
- Sales Strategy & Target Achievement
- Investment & Financial Solutions
- Branch Banking & Customer Service
- On-Ground Sales & Market Activation
- Strategic partnerships
- Strategic Alliance Building
- Negotiation resolution
- Risk compliance governance
- CRM & Microsoft Office
- Communication & Interpersonal Skills
Accomplishments
- Diversity and Equality
- Maintain Proper records Staff Management
- Awarded with best performance awards
- Best performance for Highest sales
- Best performer for highest Sales In Region
Languages
English
Full Professional
Urdu
Native/ Bilingual
Timeline
Relationship Manager – Branch Banking
United Arab Bank
07.2026 - Current
Senior Relationship Manager – Retail Banking
FIRST ABU DHABI BANK
03.2025 - 07.2026
Business Development Manager – Retail Banking
DUBAI ISLAMIC BANK
10.2022 - 05.2024
Business Development Manager
FIRST ABUDHABI BANK
07.2018 - 04.2022
Senior Sales Executive – Consumer Finance
MAID AL FUTTAIM FINANCE
08.2016 - 02.2018
Senior Relationship Officer | Retail Banking
MASHREQ BANK
12.2014 - 04.2016
Store Manager
NISA TODAY
11.2009 - 02.2013
High School Graduate -
PUNJAB COLLEGE OF INFORMATION TECHNOLOGY