Kugathash Thujipshanth
Professional Banker
Sports City, Dubai
Summary
Experienced banking professional with superior attention to detail and highly ethical nature. Dedicated to maintaining optimal security and customer satisfaction while meeting ambitious sales targets. Well-versed in industry regulations and asset protection strategies.
Overview
7
7
years of professional experience
3
3
years of post-secondary education
4
4
Languages
Work History
Customer Relationship Manager
Al Ansari Exchange
Dubai
03.2020 - Current
- Created activities and engagements to enhance customer experience, knowledge and patronage.
- Built partnerships with diverse internal teams and sales, finance, and operations departments to streamline processes.
- Monitored metrics and developed actionable insights to improve efficiency and performance.
- Assisted with conflict resolution during partnership negotiations and acquisitions.
- Worked with clients to address and respond to client and partnership management issues.
- Assisted customers with opening accounts and signing up for new services.
- Created customer support strategies to increase customer retention.
- Completed opening and closing functions to meet operational needs.
- Offered internal and external customers first-rate customer service to maximize satisfaction and business success.
- Made customers aware of current and new programs and services.
- Managed customer relations on ongoing basis to maximize customer retention.
- Liaised between customers and organization with particular focus on working with sales department.
Credit Officer
National Savings Bank
Periyakallar
01.2017 - 03.2020
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Organized and finalized loan applications for underwriter review.
- Prepared reports of findings and recommendations.
- Verified application and account details to accurately asses credit and financial risks of potential clients.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Worked with clients to define and implement terms for approved credit requests.
- Adhered to banking standards and government lending guidelines for loan services.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
Teller
National Savings Bank
Valachenai
06.2016 - 01.2017
- Recording transactions, which involves logging checks and preparing transaction reports
- Counting and packaging currency
- Reconciling cash drawers
- Opening new accounts and helping with loan applications
- Exchanging foreign currency
- Promoting the bank’s products and services
- Keeping customers’ personal information confidential
- Communicating with other bank team members
- Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
- Monitored and reported suspicious activity in line with bank security policies.
- Maintained accurate records of customer transactions in line with bank procedures.
- Assisted with training of new tellers on policies and procedures.
- Generated monthly reports on customer activity and customer feedback.
- Monitored and verified suspicious activity on customer accounts.
- Arranged monies received in cash boxes and coin dispensers according to denomination.
- Educated customers on online banking and mobile banking applications.
- Cross-sold credit cards, loans and other bank products.
- Processed wide variety of retail banking transactions for personal and commercial customers.
Education
MBA -
Cardiff Metropolitan University
UK 03.2023 - Current
Bachelor of Science - Business And Management
Cardiff Metropolitan Campus
UK 11.2021 - 11.2022
Higher National Diploma - HND in Business Management
Cardiff Metropolitan Campus
UK 01.2019 - 01.2021
Skills
CRM
Negotiation expert
Team Building
Exceptional telephone etiquette
Effective problem solver
Administrative support
Microsoft Outlook, Word and Excel
Inter-department collaboration
Personnel training and development
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
Your time is limited, so don’t waste it living someone else’s life.
Steve Jobs
Timeline
MBA -
Cardiff Metropolitan University
03.2023 - Current
Bachelor of Science - Business And Management
Cardiff Metropolitan Campus
11.2021 - 11.2022
Customer Relationship Manager
Al Ansari Exchange
03.2020 - Current
Higher National Diploma - HND in Business Management
Cardiff Metropolitan Campus
01.2019 - 01.2021
Credit Officer
National Savings Bank
01.2017 - 03.2020
Teller
National Savings Bank
06.2016 - 01.2017