Krunal Shah

• Part of award winning team - Gartner Innovation Awards 2021, EMEA
• Define vision, strategy and roadmap for product delivery in consultation with key stakeholders (CEO, Group Heads & Whole Sale Digital Head)
• Co-lead scrum teams/squads to ideate and deliver world class suite of digital products for the Corporate & Investment Banking (CIBG) and International Banking Groups (IBG)
• Oversee end-to-end development & delivery of product features using the scrum framework
• Applied customer-first strategy to product development and marketing materials
• Analyzed customer behavior to derive digital product performance insights and identify areas of potential improvement
• Collaborated with UX (User Experience) team to incorporate customer feedback and User Acceptance Test (UAT) into future patches and iterations
• Defined solution requirements to convert strategic ideas into actionable workflows

Relationship Management - NBFI

• Originate and on-board top names in the Non-Banking Financial Institutional space globally
• Responsible for covering major Private Equity/Financial Sponsors, Multilateral / Developmental Financial Institutions, and Family Offices across the GCC
• Manage deal execution process including building financial models, preparing information memorandums and bank presentations and soliciting credit approvals
• Manage large liability portfolio of regional Multilateral Institutions with deposits in excess of c.AED 1.5Bn
• Liaise with client and Bank's legal teams to negotiate facility documentation, and disbursement of approved finances

Credit Relationship Management - Large Corporate

• Managed portfolio of Large Corporate / Family Groups based in UAE with Turnovers in excess of AED 1Bn and business interests across various sectors like Automobiles, Hospitality, Real Estate, etc
• Deal origination & End to End Transaction Execution
• Manage and market to PE / Financial Sponsor clients via products including Subscription Line/Capital Call Facility, NAV Finance,
• Acquisition Finance, War Chest Facility, etc
• Cross-sell of Corporate Banking Products - Cross-sell trade finance and other financial products like cash management and treasury (Repo, TRS, IRS/FX hedging), products by leveraging relationships developed with clients
• Debt Syndication - Due diligence of documentation to identify and mitigate all key risks, obtaining important and key inputs from legal teams to prepare water-tight loan/security documents
• Call / Subscription Line Facilities

• Market credit products of the bank to existing and new relationships to grow business volumes for larger share of customer wallet
• Driving higher product and channel penetration to deepen mapped relationships and to increase customer relationship value with the bank

• Driving revenues and balance sheet growth through increase in Assets and Liabilities business
• Evaluate credit relationships on a regular basis and ensure a profitable portfolio
• Liaise with Risk Management and other cross-functional teams to ensure timely delivery of financial services

• Originate asset / borrowing relationships from corporates along with cross-sell of trade & other bank products
• Market the full range of consumer and commercial banking products
• Achieve individual targets and grow account profitability

• Market debt and financial advisory services to Corporate clients including term finance, trade / factoring, working capital, etc
• Prepare IMs and credit proposals on behalf of clients, liaise with partner banks and handhold clients through the entire credit process