Athira Pachiriyan
Abu Dhabi,United Arab Emirates
Summary
As a Customer Sales & Relationship Executive for FAB (deployed by Innovations Group), leverage extensive sales acumen and communication skills to proactively identify potential clients and provide them with credit card solutions tailored to their financial needs. Drawing on foundational banking experience as a Teller at ESAF Bank, combine expertise in accurate, high-volume transaction processing with a strong background in retail sales and cross-selling.
Bring a proven track record of driving sales performance while maintaining strict regulatory compliance, supported by in-depth knowledge of AML and KYC protocols. Passionate about helping customers achieve their financial goals, excel at bridging the gap between client needs and effective banking solutions to foster long-term trust and operational efficiency.
Overview
4
4
years of professional experience
Work history
Customer Sales & Relationship Executive
First Abu Dhabi Bank (FAB)
Abu Dhabi Emirate, United Arab Emirates
2024.11 - Current
- Sales Performance: Exceeded monthly targets with consistent 100% achievement rate via proactive business development.
- Tailored Solutions: Assessed individual client profiles to recommend optimal credit card and personal finance solutions.
- Client Engagement: Secured high conversion rates and long-term retention through strategic, consultative selling.
- Market Research: Conducted competitor and market analysis to uncover new growth opportunities and stay ahead of industry trends.
- End-to-End Support: Delivered seamless, premium customer experience from initial consultation through to successful onboarding.
- Product Mastery: Maintained up-to-date knowledge of banking products and compliance regulations to provide highly accurate financial advice.
Bank Teller
ESAF SMALL FINANCE BANK LTD
Wayanad, India
2023.09 - 2024.11
- Transaction Efficiency & Accuracy: Processed daily customer transactions with speed and precision, ensuring seamless and efficient branch experience for every visitor.
- Cash Handling & Cashiering: Managed daily cash drawer operations, consistently balancing funds with zero discrepancies while upholding strict banking security standards.
- Strategic Cross-Selling: Actively identified opportunities during routine service to introduce retail banking products and drive branch growth by maintaining 100% focus on customer needs.
- Regulatory Compliance (AML/KYC): Minimized operational risk by ensuring every transaction met rigorous compliance standards, including Anti-Money Laundering and KYC protocols.
- Exceptional Customer Service: Served as face of bank, resolving client inquiries efficiently and fostering positive, long-term relationships with community.
- Operational Support: Contributed to overall branch efficiency by handling account updates, administrative duties, and end-of-day reporting with meticulous attention to detail.
Life & Health Insurance Intern
Shriram Life Insurance
Kasaragod, India
2022.06 - 2022.11
- Client Advisory & Engagement: Actively engaged prospective clients to communicate value of life and health insurance, focusing on risk mitigation and long-term financial security.
- Market Intelligence: Conducted targeted market research across deployed region to identify emerging customer segments and generate high-quality leads via community outreach.
- Regulatory Compliance: Managed end-to-end policy documentation and verified KYC requirements to ensure 100% adherence to strict regulatory frameworks and company standards.
- Claims Operations: Gained hands-on experience in claims settlement lifecycle, streamlining beneficiary communication regarding required documentation for efficient payouts.
- Strategic Sales Support: Assisted senior consultants by developing personalized insurance proposals and comparative financial analysis charts to facilitate data-driven client decision-making.
- Financial Literacy Advocacy: Simplified complex financial and insurance terminology for diverse audiences, successfully contributing to increased product penetration within local market.
- Managed correspondence, keeping all parties up-to-date on project developments.
Education
Master of Business Administration - MBA - Finance and HR
Kannur University (KU)
Kasaragod | Kerala | India 2021.07 - 5 2023
Bachelor of Science - PSYCHOLOGY
Mahatma Gandhi University (MGU)
Kottayam | Kerala | India 2017.07 - 5 2020
Higher Secondary Examination 10 +2 - Biology/Biological Sciences, General
Government of Kerala Board of Higher Secondary Examination
Kannur District | Kerala | India 2015.07 - 3 2017
Secondary School Leaving Certificate (SSLC) - Physics, Chemistry, Maths (PCM)
Kerala Board of Public Examination (KBPE)
Kannur | Kerala | India 2014.06 - 3 2015
Skills
- Branch Banking Operations
- Prospecting new clients
- Account management systems
- Sales funnel management
- Meeting sales targets
- Telesales proficiency
- Credit card knowledge
- Knowledge of APR rates
- Cross-Selling products
- Financial literacy
- Customer retention
- Lead generation techniques
- AML policy understanding
- Banking software familiarity
Languages
English
Fluent
Hindi
Advanced
Malayalam
Native
tamil
Fluent
Timeline
Customer Sales & Relationship Executive
First Abu Dhabi Bank (FAB)
2024.11 - Current
Bank Teller
ESAF SMALL FINANCE BANK LTD
2023.09 - 2024.11
Life & Health Insurance Intern
Shriram Life Insurance
2022.06 - 2022.11
Master of Business Administration - MBA - Finance and HR
Kannur University (KU)
2021.07 - 5 2023
Bachelor of Science - PSYCHOLOGY
Mahatma Gandhi University (MGU)
2017.07 - 5 2020
Higher Secondary Examination 10 +2 - Biology/Biological Sciences, General
Government of Kerala Board of Higher Secondary Examination
2015.07 - 3 2017
Secondary School Leaving Certificate (SSLC) - Physics, Chemistry, Maths (PCM)
Kerala Board of Public Examination (KBPE)
2014.06 - 3 2015
References
References available upon request.