Nirmal Punjabi
Dubai
Summary
Results-driven expert with over seven years of experience in client servicing, financial analysis and regulatory compliance monitoring. Skilled in managing day-to-day business operations, contributing to improvements in business performance, regulatory compliance, and best practices with meticulous attention to detail regarding client onboarding and financial analysis. Demonstrated the ability to drive financial processes, implement improvements, and consistently produce results. Outstanding reputation for prioritizing requirements to meet deadlines and to support stakeholder decisions. Excellent interpersonal communication skills with an innate ability to build and maintain relationships with employees, clients, and key decision-makers.
Overview
11
11
years of professional experience
Work History
Sr. Officer Business Support
The National Bank Of Ras Al, Khaimah, P.S.C
2016.12 - 2024.05
- Schedule appointments for potential and current customers to promote new products and services.
- Deliver active functional support and assistance to the business team in daily operational activities.
- Design and review facility credit documents on potential banks based on in-depth financial analysis for syndication, bilateral, and club loan deals.
- Draft and evaluate daily M.I.S reports comprising degree of risk involved in extending credit facilities.
- Partner and build rapport with W.B.G Coverage team in managing Large Corporate (incl Govt entities), Financial Institutions (including NBFI segment), Energy and Natural Resources and Business Development Team (Russian Onboarding clients).
- Managed and updated portfolio accounts, such as account behavior, repayments, and cash flows; verified that portfolio complied with all applicable credit and regulatory criteria.
- Drove substantial revenue streams by securing and maintaining accounts and proactively engaging with customers to promote new products
- Created and implemented strategies for retaining existing clients while credited for searching for account servicing opportunities to derive revenue consistency
- Utilized credit risk analytics products such as Credit Lens to do financial analysis for large corporate customers and banks and prepared Letter of Application for renewing facility limits.
- Established strong relationships with key clients to maintain customer loyalty and drive repeat business opportunities.
- Developed and proposed solutions on potential risk areas in regard to customers' queries, including trade finance documentation, remittances both inward and outward, compliance queries, and several service-related facilities
- Redesigned operating procedures for KYC onboarding for banks and corporate customers
- As part of Business Operations Risk Committee team, responsibilities were to initiated control procedures for daily business activities and monitored controls for daily updates of customers' KYC and trade licenses.
- We have established strong relationships with key clients to maintain customer loyalty and drive repeat business opportunities.
- Maintained overall safe work environment with employee training programs and enforcement of safety procedures.
- Developed effective improvement plans in alignment with goals and specifications.
Consultant
Speartek Manpower Services, Mashreq Bank P.S.C
2015.11 - 2016.01
- Steered and coordinated all facets of trade finance operations for retail banking department
- Mapped statistical models to evaluate impact of different marketing tactics
- Interacted with executives to develop strategies
- Received performance recognition for completing designated duties during a brief period of employment
- Rendered exceptional support in aligning processes and procedures.
Finance Assistant Intern
Costra Group
2013.06 - 2013.08
- Performed financial functions as an intern in the finance and strategy department
- Maintained agile and responsive business with continuous sales growth by overseeing industry projections, optimizing budgets, and modifying marketing strategies
- Set and met company revenue goals by aiding in defining standards, policies, and procedures
- Increased senior management decision-making by generating and processing financial data reports.
- Assisted with account reviews and preparation for account reviews.
- Verified financial journals for clarity and completion under supervisor direction.
Education
Executive Program - Investment Banking And Capital Markets
Indian Institute of Management
Calcutta05.2023
Master of Arts - Accounts & Finance
Heriot-Watt University
Dubai11.2014
Skills
- Financial Management
- Strategic Planning & Execution
- Corporate Credit and Financial Analysis
- Customer Management
- Process Improvement
- Reporting & Documentation
- Risk & Compliance Control
- Relationship Development
- Cross-team Collaboration
- Stakeholder Engagement
- Issues & Dispute Resolution
- Negotiation
- Market Analysis
Accomplishments
- Certified in Logistics and Supply Management
- Certified in Talley, Peachtree, and Quick Books Accounting Software
- Developed Self-knowledge in Advanced MS Excel Level (II)
References
ReferencesReference will be available upon request.
Languages
English
Bilingual or Proficient (C2)
Arabic
Intermediate (B1)
Hindi
Bilingual or Proficient (C2)
Timeline
Sr. Officer Business Support
The National Bank Of Ras Al, Khaimah, P.S.C
2016.12 - 2024.05
Consultant
Speartek Manpower Services, Mashreq Bank P.S.C
2015.11 - 2016.01
Finance Assistant Intern
Costra Group
2013.06 - 2013.08
Executive Program - Investment Banking And Capital Markets
Indian Institute of Management
Master of Arts - Accounts & Finance
Heriot-Watt University
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