Kifthi Fuwaji Nihmathulla
U.A.E
Summary
Results-driven banking professional with over 16 years of experience across business banking, branch operations, customer service, and sales. Proven ability to build strong client relationships, grow portfolios, and deliver tailored financial solutions — consistently recognized with top performance awards. Skilled in credit evaluation, risk management, and regulatory compliance, with a deep understanding of SME and mid-corporate client needs. Now seeking to leverage this extensive frontline and business development background in a Relationship Manager role, bringing a client-centric and growth-focused approach to a dynamic financial institution.
Overview
22
22
years of professional experience
Work history
Senior Relations Officer- Business Banking
National Bank of Fujairah (NBF)
Dubai/ Sharjah
11.2022 - Current
- Prepared and submitted credit proposals for new and existing clients with portfolios exceeding AED 1B.
- Served as primary liaison between clients and credit teams, facilitating timely approvals.
- Supported over 65 corporate clients with tailored financial solutions, including working capital and structured loans.
- Conducted financial analyses and obligor ratings using Moody’s Risk Rating module.
- Managed credit renewals, restructurings, and transaction monitoring to ensure compliance.
- Oversaw client onboarding and account openings, ensuring seamless facility drawdowns.
- Ensured full KYC/AML compliance while maintaining high service standards across all interactions.
- Monitored portfolio performance, identifying risks for proactive management and escalations.
Customer service officer - Branch Banking
National Bank of Fujairah (NBF)
Sharjah
06.2015 - 11.2022
- First point of contact for walk-in clients, resolving queries and ensuring high satisfaction.
- Facilitated SME and individual account openings with full regulatory compliance.
- Handled compliance queries on business accounts in coordination with internal teams.
- Maintained strong relationships with individual and corporate clients, fostering long-term loyalty.
- Promoted and processed retail credit products, including personal, auto, construction loans, and credit cards.
- Cross-referred asset and liability products to enhance product penetration.
- Sourced Fixed Deposits, contributing to branch liability growth.
- Coordinated timely disbursal of approved loans with credit teams.
- Managed client onboarding, KYC verification, and maintained clean audit records
- Resolved conflicts quickly whilst preserving positive business relationships.
Assistant Team Leader- Retail Sales
Mashreq Bank
01.2009 - 03.2015
- Assessed creditworthiness of customers through comprehensive financial analysis and risk evaluation.
- Verified, analyzed, and validated loan documentation to ensure accuracy and prevent delinquency.
- Logged and tracked loan applications using VECTUS system and Electronic Data Management System (EDMS) for seamless processing.
- Collaborated with credit department to obtain timely approvals, ensuring fast and efficient customer service.
- Developed and implemented targeted marketing strategies to acquire new clients and promote financial products.
- Consistently achieved and exceeded monthly sales targets for Personal Loans, Bancassurance, and Credit Cards.
- Ensured full compliance with KYC norms, AML regulations, and internal credit policies, maintaining high audit standards.
- Provided expert support to walk-in customers, addressing their financial needs with professionalism and care.
Processor
Dubai Islamic Bank
01.2008 - 01.2009
- Processed and dispatched internal transfer cheques accurately and on time.
- Managed internal cheque returns and resolved related queries.
- Credited customer salaries and resolved payroll issues.
- Reconciled GL accounts and addressed discrepancies promptly.
- Issued Manager’s Cheques following control protocols.
- Handled Foreign Bills for Collection (FBC/IFBC) including lodging, realization, and returns
Branch banking and Central clearing
Commercial Bank - Sri Lanka
, Sri Lanka
01.2004 - 01.2008
- Handled retail banking operations including foreign exchange, personal lending, and account openings.
- Led daily team operations, set performance targets, and managed vault/ATM cash balancing.
- Managed foreign currency accounts, KYC due diligence, and client documentation.
- Represented the bank at Central Bank settlement meetings and assisted with budget preparation.
- Played a key role in implementing the Image Clearing System across branches.
Education
MBA -
Cardiff Metropolitan University (UK)
/2013 - /2015
Skills
- Client Relationship Building & Retention
- Corporate Lending & Portfolio Management
- Credit Risk & Compliance Management
- Working Capital & Project Financing
- Financial Analysis & Credit Appraisal
- Trade Finance & Treasury Services
- Sales Growth & Cross-Selling Strategies
- Contract & Documentation Handling
- Team Leadership & Staff Mentoring
- Customer-Focused Communication
Accomplishments
- Awarded for Exceptional Work Quality & Service Excellence (Happiness award) – National Bank of Fujairah (NBF), 2025
- Performer Award – Recognized for consistent sales and portfolio growth- – NBF, 2020
- Top Performer – Islamic Mudarabah Campaign – NBF
- Performer Award for client acquisition success – NTB Onboard Campaign -NBF
- 1st Runner up- Blockbuster contest, 2014- Mashreq Bank.
- Sales Star Personal Loans- Mashreq Bank, Q2 2012
- Top Performer – UAE - National-level recognition, Nov 2010, Mashreq Bank,
- Top Card Promoter Award – Highest card sales & campaign performance – Mashreq Bank
- Brought in AED 10M+ business in 2010, 2012 & 2013 – Mashreq Bank
Timeline
Senior Relations Officer- Business Banking
National Bank of Fujairah (NBF)
11.2022 - Current
Customer service officer - Branch Banking
National Bank of Fujairah (NBF)
06.2015 - 11.2022
Assistant Team Leader- Retail Sales
Mashreq Bank
01.2009 - 03.2015
Processor
Dubai Islamic Bank
01.2008 - 01.2009
Branch banking and Central clearing
Commercial Bank - Sri Lanka
01.2004 - 01.2008
MBA -
Cardiff Metropolitan University (UK)
/2013 - /2015
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