Mohd Samshad
Personal Banking Advisor
Dubai
Summary
Accomplished Senior Personal Banker with a proven track record at Emirates Islamic Bank, adept at expanding customer bases through creative strategies and exceptional customer service skills. Leveraged interpersonal and critical thinking abilities to surpass sales goals and enhance client relationships, achieving significant financial success for high-net-worth clients.
Overview
6
6
years of professional experience
6
6
years of post-secondary education
Work History
Senior Personal Banker
Emirates Islamic Bank
11.2024 - Current
- Collaborated with branch team members to ensure seamless execution of daily operations and optimal customer experience.
- Conducted financial reviews for customers, identifying opportunities for cross-selling additional products and services.
- Developed strategies to acquire new clients, expanding the bank''s customer base and market share.
- Strengthened client relationships through consistent follow-ups and proactive communication.
- Delivered comprehensive financial advice to clients based on their unique situations, helping them achieve long-term financial success.
- Assisted in developing and implementing branch sales goals, motivating team members to achieve targets and drive business growth.
- Managed high-net-worth clients, ensuring their financial goals were met with tailored banking services.
- Enhanced customer satisfaction by providing personalized banking solutions and prompt service.
- Mentored junior personal bankers, sharing industry knowledge and best practices for career development.
Personal Banking Ambassadaor
Abu Dhabi Commercial Bank
11.2021 - Current
- Maintain and message assigned portfolio companies with existing retail banking clients to retain and grow their banking relationship in line with business targets.
- Identify , solicit, and acquire new retail banking clients in line with approved strategy for assets and liabilities sales . Negotiate appropriate credit lines in conformity with the banks underwriting standards .
- Making regular visits to clients and portfolio companies for monitoring and business generation purpose . Record my visit by way of preparing daily NI sheets.
- Providing knowledge on acquisition, borrowing, and revolving with friendly manner & maintaining clean and well-presented facilities for the customers.
- Establish effective and professional communication (both internal & external ) to ensure turnaround time with designated parameters and higher clients satisfaction levels.
- Excellent communication skills, both verbal and written.
- Develop a strong level of local contacts with local business and financial institute community.
- Managed time efficiently in order to complete all tasks within deadlines.
- Paid attention to detail while completing assignments.
- Keep abstract of envelopment in the local business environment to sport business opportunity.
Senior Relationship Officer
Deem Finance
08.2019 - 10.2021
- Responsible for generating new prospects and identify potential clients.
- Inform and educate the clients about product offering by the customer , polices & procedure.
- Create and maintain good relation with existing customer by providing them quality services during the sales and after the sales
- Built and maintained relationships with new and existing clients while providing high level of expertise.
- Participated in industry events and trade shows to promote products and services.
- Created and maintained databases to track customer discussions and preferences for accurate, updated records.
- Deliver prompt and professional solution for customers inquiry Via telephonic conversation , email, or online chart etc.
- Educated and worked with clients on ROI terms to find accurate solutions.
- Worked with clients to provide competitive commercial banking solutions and retail financing plans.
- Worked with departments to facilitate communication and deliver personalized solutions to customers.
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
Relationship Officer
State Bank India
06.2018 - 06.2019
- Responsible client base through cold calling to qualified prospective customer
- Reach out to individual customer and companies to see if they have the need of a credit card or personal loan any other financial assistance .
- Make sure clients understand the term and condition of the loan and credit card .
- Supported team in mining and analyzing customer data to identify and plan for expansion and additional business.Monitored, followed-up and escalated cases to meet customer response commitments.
- Retained and grew portfolio of relationships by performing proactive, mobile and value-adding partnership role.
- Promoted, structured and provided advice customized to best meet needs of customers.
Education
Bachelor of Commerce - Accounting
H. S. C
K.S Collage Darbhanga, Bihar 03.2011 - 03.2015
MBA - Marketing & Finance
Lalit Narayan Mithila University, Bihar
Darbhanga, Bihar 02.2016 - 02.2018
Skills
Retail services
Excellent people skills
Creativity
Interpersonal Skills
Critical Thinking
Customer Services Skills
Timeline
Senior Personal Banker
Emirates Islamic Bank
11.2024 - Current
Personal Banking Ambassadaor
Abu Dhabi Commercial Bank
11.2021 - Current
Senior Relationship Officer
Deem Finance
08.2019 - 10.2021
Relationship Officer
State Bank India
06.2018 - 06.2019
MBA - Marketing & Finance
Lalit Narayan Mithila University, Bihar
02.2016 - 02.2018
Bachelor of Commerce - Accounting
H. S. C
03.2011 - 03.2015