RAMALINGAM SUBRAMANIAN
banking sales
Dubai,DU
Summary
Dynamic banking professional with extensive experience at ADCB Bank, excelling in CASA portfolio growth and customer service excellence. Proven ability in cross-department coordination and timely resolution of client requests. Strong analytical skills complemented by attention to detail, driving operational efficiency and compliance in all banking operations.
Overview
9
9
years of professional experience
Work History
Senior Officer
ADCB Bank
08.2025 - Current
- Managed MSME customer service operations including processing change requests, updating trade licenses, and account upgrades.
- Facilitated new Foreign Currency (FCY) account openings and handled foreign exchange (FX) conversions for MSME clients.
- Coordinated with various internal departments to ensure smooth processing of customer requests and adherence to bank policies.
- Monitored and implemented process improvements to enhance service quality and operational efficiency.
- Achieved consistent growth in CASA portfolio value through effective client engagement and service delivery.
- Provided guidance and support to MSME customers regarding banking products and compliance requirements.
- Ensured strict compliance with regulatory standards and ADCB internal controls during all operations.
Senior Relationship Officer
ADCB Bank
06.2023 - 07.2025
- Acquired new MSME and retail clients for Personal accounts, Company Accounts, Retail Business Loans, Merchant (POS) Machines and Credit Cards through field visits, Tele Calling, and Referrals.
- Promoted CASA products and achieved consistent growth in deposit value.
- Conducted company listing activities and market visits to identify potential business opportunities.
- Evaluated client requirements and recommended suitable banking solutions.
- Maintained strong relationships with existing clients to ensure high service satisfaction and portfolio retention.
- Coordinated with credit and operations teams for loan processing and account documentation.
- Achieved assigned monthly and quarterly sales targets across multiple product categories.
- Ensured full compliance with ADCB Bank policies and KYC/AML regulations during all customer interactions.
Relationship Officer
Direct Outsourcing Services Llc
09.2021 - 04.2023
- Acquired new customers for Emirates NBD Bank personal accounts and credit cards through telecalling, field visits, and referrals.
- Conducted marketing activities and company visits to generate qualified leads within the target market.
- Promoted Emirates NBD products by explaining key features, benefits, and eligibility criteria to prospective clients.
- Maintained long-term customer relationships to ensure satisfaction and loyalty.
- Assisted clients with account opening procedures, documentation, and KYC compliance.
- Achieved and exceeded monthly sales and acquisition targets for personal accounts and credit cards.
- Conducted periodic follow-ups and customer visits to strengthen engagement.
Sales Executive
Innovation Direct Employment Services Llc
07.2018 - 04.2021
- Sourced Emirates Islamic Bank credit cards through Tele Calling, Field Visits, and Direct Marketing.
- Targeted potential customers using company databases and referrals.
- Conducted field visits and company outreach programs to promote credit card offerings.
- Built and maintained a strong sales pipeline through consistent follow-up and relationship-building.
- Executed marketing activities in Malls, Offices, Bank ATMs and Residential areas to increase product visibility.
- Consistently met or exceeded assigned credit card sales targets.
- Ensured complete and accurate documentation for credit card applications.
Assistant Acquisition Manager
Kotak Mahindra Bank
10.2016 - 06.2018
- Handled Cold calling and Telecalling to acquire new customers for banking products.
- Promoted CASA, Demat, and NRI accounts through market activities and lead generation campaigns.
- Achieved consistent CASA value growth by onboarding high-value clients.
- Cross-sold insurance and investment products to enhance customer portfolio value.
- Ensured high standards of customer service and relationship management.
- Coordinated with branch teams to streamline account opening and documentation processes.
Education
MBA - Marketing Management
Sri Sairam Institute of Management
Chennai,TN,India11-2016
B. Com CA - Commerce With Computer Applications
V H N S N College.
Virudhunagar, TN, India.04-2014
Skills
- CASA Portfolio Monitoring & Growth
- Timely Resolution of Customer Requests & Issue Management
- Cross-department Coordination & Communication
- Strong Analytical & Problem-solving Skills
- Attention to Detail & Accuracy
- Time Management & Prioritization
Languages
English
Intermediate (B1)
Tamil
Bilingual or Proficient (C2)
Kannada
Elementary (A2)
Malayalam
Elementary (A2)
Timeline
Senior Officer
ADCB Bank
08.2025 - Current
Senior Relationship Officer
ADCB Bank
06.2023 - 07.2025
Relationship Officer
Direct Outsourcing Services Llc
09.2021 - 04.2023
Sales Executive
Innovation Direct Employment Services Llc
07.2018 - 04.2021
Assistant Acquisition Manager
Kotak Mahindra Bank
10.2016 - 06.2018
MBA - Marketing Management
Sri Sairam Institute of Management
B. Com CA - Commerce With Computer Applications
V H N S N College.
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