Accomplished professional with extensive expertise in strategic branch management and private and retail banking operations. Demonstrated proficiency in customer relationship and experience management, risk, compliance, and audit controls. Proven track record in business development and sales growth, staff leadership, team development, and Emirate talent development. Adept at cost optimisation and branch consolidation, utilising core banking systems and customer relationship management tools. Skilled in risk assessment, credit analysis, financial ratio analysis, Microsoft Office Suite, data reporting and dashboard tools. Experienced with anti-money laundering systems, know your customer compliance platforms, audit management systems, loan origination systems, ATM and cash management tools. Proficient in leveraging social media for business development and instant messaging for collaboration.