Mohamed Ahmed Ali Abdelkarim
Dubai
Summary
Personal Finance Sales Leader
Islamic Banking | Team Management | Portfolio Growth & Revenue Optimization
Sales leader in Personal Finance with over 10 years of experience in Islamic Banking at Dubai Islamic Bank. Currently leading a sales team and performing key Sales Manager responsibilities including target planning, performance management, and revenue growth.
Consistently achieved and exceeded sales targets above 130%, managing a high-value personal finance portfolio. Specialized in Sharia-compliant solutions including Murabaha, buyouts, and top-ups.
Strong expertise in team leadership, client relationship management, and handling complex credit cases. Proven ability to drive business growth, improve team productivity, and deliver sustainable results.
Overview
12
12
years of professional experience
Work History
Team Leader - Personal Finance Sales
DUBAI ISLAMIC BANK
DUBAI
04.2022 - Current
- Leading a sales team of 13+ staff, driving personal finance, credit card, and auto finance portfolios across multiple channels
- Consistently achieved and exceeded team targets, reaching over 130% of monthly sales goals.
- Managing a high-value portfolio exceeding AED 20M in monthly personal finance bookings.
- Coaching and developing team members to improve productivity, conversion rates, and overall performance.
- Handling complex credit cases, buyouts, and top-ups while ensuring compliance with bank policies and Sharia guidelines.
- Driving cross-sell strategies and maximising revenue through effective client engagement.
- Monitoring team performance, preparing sales reports, and aligning strategy with management direction.
Senior Officer - Personal Finance Sales
DUBAI ISALMIC BANK
12.2017 - 04.2022
- Achieved consistent high sales performance, exceeding individual targets of up to 200%.
- Built strong client relationships and generated repeat business through excellent service.
- Managed personal finance solutions including buyouts, top-ups, and new acquisitions.
- Identified new business opportunities and contributed to team sales growth.
- Collaborated with internal teams to ensure smooth processing and customer satisfaction.
Officer - Personal Finance Sales
Dubai Islamic Bank
01.2015 - 01.2017
- Delivered top-quality customer service by providing professional after-sales support.
- Maintained excellent client relationships by providing excellent customer service and proactively solving issues.
- Optimised sales methods to best acquire, develop and retain customers.
- Continuously improved self-performance by analysing customer feedback and monitoring service reviews.
- Provided exceptional after-sales support, addressing queries and resolving issues promptly.
- Conducted market research to identify new business opportunities and potential clients.
- Tracked sales, click-through rates and conversion rates by marketing campaign for comparison.
Senior Sales Advisor - Personal Finance
Dubai Islamic Bank
Dubai
01.2014 - 12.2014
- Achieved or exceeded sales targets consistently through strategic up-selling and cross-selling efforts.
- Provided customers with precise quotes and pricing details to aid decision-making processes.
- Resolved complaints promptly with adept problem-solving skills, ensuring high satisfaction rates.
- Managed customer inquiries professionally, quickly restoring satisfaction after service disruptions.
- Cold-called prospective clients to grow lead database successfully.
- Significantly increased average transaction value by identifying upselling opportunities.
- Demonstrated outstanding follow-up support to strengthen customer relationships.
- Cultivated a deep understanding of customer needs through attentive listening and customized solutions.
Education
Bachelor Degree - Law
01-2011
Skills
- Sales management and team leadership
- Personal Finance (Islamic – Murabaha)
- Portfolio Management (AED 20M Monthly)
- Target achievement and revenue growth
- Credit Assessment and DSR Analysis
- NTB -Buyouts and top-ups structuring
- Negotiation and Pricing Strategy
- Client Relationship Management (CRM)
- Pipeline Management and Conversion Optimisation
- Cross-selling and Business Development
Languages
English
Proficient
C2
Arabic
Proficient
C2
Training & Certifications
- High Potential Leadership Program – DIB (2022–2024)
- ICARE Customer Experience Program (Level 1–4) – DIB
- Effective Selling Techniques – EIBFS
- Negotiation Skills – DIB
Key Achievements
- Achieved No.1 ranking multiple times with consistent overachievement of targets
- Maintained 130–200% performance across several years
- Recognized with 30+ appreciation awards within Dubai Islamic Bank
- Awarded Top Performing Team Leader (2023, 2024, 2025)
- Selected for High Potential Leadership Program (HIPO)
- Recognized as Customer Champion and Best Sales Performer (Year & Quarter)
Timeline
Team Leader - Personal Finance Sales
DUBAI ISLAMIC BANK
04.2022 - Current
Senior Officer - Personal Finance Sales
DUBAI ISALMIC BANK
12.2017 - 04.2022
Officer - Personal Finance Sales
Dubai Islamic Bank
01.2015 - 01.2017
Senior Sales Advisor - Personal Finance
Dubai Islamic Bank
01.2014 - 12.2014