RANJIT ACHARYA
Sharjah,UAE
Summary
Pro-active and results-oriented banking professional with 15 years of progressive experience across leading banks in the UAE and India. Certified Associate Bancassurance Advisor (LIMRA) and Certified Long-Term Investment Advisor (Franklin Templeton), with proven expertise in wealth creation, investment solutions, and SME banking. Strong analytical skills, adept at evaluating financial performance, driving bancassurance and investment advisory sales, managing SME client portfolios, and delivering client-centric strategies that enhance financial growth.
Overview
16
16
years of professional experience
Work history
Free Lancer
SME Liabilities
Dubai
01.2022 - Current
- Assessed creditworthiness of SME and corporate clients by analyzing financial statements, cash flow, and market risks.
- Prepared and reviewed loan proposals, facility documentation, and risk reports for credit committee approvals.
- Built and managed strong client relationships, providing tailored banking solutions across deposits, loans, and trade finance.
- Ensured strict compliance with UAE Central Bank regulations, AML/KYC policies, and internal risk frameworks.
- Monitored loan portfolios to identify early warning signals and implemented remedial actions to minimize defaults.
- Collaborated with internal teams (operations, compliance, treasury) to deliver seamless banking services.
- Achieved and exceeded portfolio growth and revenue targets through proactive client acquisition and cross-selling.
- Provided financial advisory to SME clients on working capital management, trade finance, and expansion funding.
- Conducted periodic reviews and audits to ensure adherence to regulatory standards and risk management policies.
Sales Manager ( Merchant Loans)
Innovations
Dubai, UAE
04.2022 - 12.2022
- Led and managed a team of Relationship Officers to achieve collective sales objectives in merchant loan products.
- Provided coaching, guidance, and regular training to enhance team capabilities in sales, customer service, and credit assessment.
- Assigned targets, monitored progress, and conducted performance reviews to ensure consistent delivery of business goals.
- Organized team meetings and strategy sessions to align efforts, address challenges, and share best practices.
- Built a collaborative and motivated work environment, fostering teamwork and professional growth.
- Coordinated with internal departments, including Credit, Risk, and Operations to ensure smooth loan processing and compliance.
- Represented the team in management discussions, providing insights on client needs and market trends.
- Maintained high standards of customer service by embedding a client-focused approach across the sales team.
Team Leader
Union Insurance
Dubai
11.2020 - 02.2022
- Directed 7 employees and preferred partners to facilitate sales and renewals of Life Insurance products.
- Drove team revenue totals by bringing in top sales numbers
- Determined financial needs by assessing existing coverage and aligning new products and services with long-term goals
- Worked with sales team to collaboratively reach targets, consistently meeting or exceeding personal quotas
- Built relationships with clients through active listening and Product Knowledge to provide excellent service
- Approached potential clients by using direct marketing techniques, including mailings and phone contacts
- Customized existing insurance programs to suit individual client needs by analyzing specific requirements
- Sold auto, home, life, and other various insurance products to individuals and affinity groups within assigned territory using consultative selling techniques and working closely with the team
- Analyzed retention, loss ratio trends, and sales volume to identify areas for improvement
- Reviewed policy applications for errors and liaised with underwriters to facilitate quick completion of the application process
- Conducted research on insurance packages and investment options to generate client recommendations
- Remained impartial to advise clients based on circumstances
- Collected premiums on or before the effective date of coverage
- Displayed consistent, positive attitude towards customers, peers, and other personnel, even during high-stress situations.
Senior Manager
Crossroad Insurance
Dubai
07.2019 - 08.2020
- Determined financial needs by assessing existing coverage and aligning new products and services with long-term goals
- Worked closely with external partners and members of the local community to create continuous client referral sources
- Built relationships with clients through active listening and Product Knowledge to provide excellent service
- Approached potential clients by using direct marketing techniques, including mailings and phone contacts
- Customized existing insurance programs to suit individual client needs by analyzing specific requirements
- Drove team revenue totals by bringing in top sales numbers
- Conducted research on insurance packages and investment options to generate client recommendations
- Remained impartial to advise clients based on circumstances
- Collected premiums on or before the effective date of coverage
- Displayed consistent, positive attitude towards customers, peers, and other personnel, even during high-stress situations.
Relationship Manager
CBI Bank
Dubai
10.2016 - 02.2019
- Process: Mass Affluent
- Rapport building with customers and generating references to multiply sales
- Taking responsibility for assigned Company, fulfilling leads of the area & prospecting new business from the assigned areas
- Closing sale and following up on Loan Disbursal & card Issuance
- Selling SME Accounts and maintaining balances of the respective accounts opened by following up with the clients by monitoring the accounts
- Encouraging customers to make Fixed deposits and do remittances through CBI for generating revenue to the bank
- Enrolling companies in group scheme
- Listing New Companies
- Closing Bancassurance sales as an insurance specialist.
Sr. Relationship Officer
Adcb Bank
Dubai
03.2015 - 08.2016
- Generating and converting leads from respective sources
- Creating rapport with Customers to get references
- Taking responsibility for the assigned Company, fulfilling leads of the area & prospecting new business from the assigned areas
- Closing the sale and following up on Loan Disbursal & card Issuance
- Cross-Selling of Banca insurance
- Enrolling companies in a group scheme
- Listing
Sr. Relationship Officer
CBD Bank
Dubai
02.2014 - 12.2014
- Generating and converting leads from respective sources
- Creating rapport with Customers to get references
- Taking responsibility for the assigned Company, fulfilling leads of the area & prospecting new business from the assigned areas
- Closing the sale and following up on Loan Disbursal & card Issuance
- Enrolling companies in a group scheme
- Listing
Relationship Officer
RAK BANK
Dubai
08.2012 - 12.2013
- Process- Alternate Distribution (Bancassurance)
- Generating and converting leads from respective sources
- Creating rapport with Customers to get references
- Closing sale and following up on policy issuance
- Following up with customers for premium payment by maintaining Excel to control Clawback
- Helping Team Members on Calls
- Selling Shariah Product
- Generating Leads for SME department
Sr. Financial Relationship Manager
Idbi Federal Life Insurance Ltd
Mumbai
09.2011 - 08.2012
- Handling Team and Distributing the leads generated from Call center
- Generating and converting leads from respective sources
- Creating rapport with Customers to get references
- Conducting worksite activities
- Prospecting in assigned areas & cold calling
- Taking responsibility of the assigned geographical area, fulfilling leads of the area & prospecting new business from the assigned areas
- Closing sale and following up on policy issuance
- Helping Team Members on HNI Calls.
Sr.Relationship Manager
ICICI PRUDENTIAL
Mumbai
03.2009 - 04.2011
- Generating and converting leads from respective sources
- Establishing & strengthening the relationship with the customers, branch manager & staff to gain referrals
- Creating rapport with respective branch staff to get customer leads
- Conducting worksite activities (putting up stalls and making presentations in big corporate companies)
- Taking responsibility of the assigned branches, fulfilling leads from the branches & prospecting new business from the assigned areas
- Closing sale and following up on policy issuance.
Education
Mercantile Marine Course - STCW
SNS MARITIME INSTITUTE
INDIAElectrical Engineering
Korattymatha Technological Institute & ITC
2008
Skills
- Team leadership
- Financial planning
- Insurance
- Languages( English, Malayalam, Hindi, Marathi & Tamil)
- Presentations
- Rapport Building
- Team player
- Time management
Accomplishments
- Accomplished banking and financial services professional with expertise in insurance and investment advisory.
- Certified Associate Bancassurance Advisor – LIMRA Certified, demonstrating deep knowledge in life insurance, bancassurance products, and customer-centric solutions.
- Certified Long-Term Investment Advisor – Franklin Templeton Certified, specializing in long-term wealth creation strategies and investment portfolio advisory.
- Proven track record in driving bancassurance sales, enhancing client relationships, and providing tailored investment solutions.
Additional Information
ACCOMPLISHMENTS
- Best Team Leader Award – Union Insurance
- Best Performance in Bancassurance Contribution (CBI Bank) – Zurich
- Best Performance in Bancassurance Contribution (CBI Bank) – MetLife
- Best Performer in Islamic Acquisition – ADCB Bank
- Top 10 Performer in UAE – RAKBANK
- Pan-India No. 1 Performer in Direct Sales – IDBI Federal Life Insurance
Timeline
Sales Manager ( Merchant Loans)
Innovations
04.2022 - 12.2022
Free Lancer
SME Liabilities
01.2022 - Current
Team Leader
Union Insurance
11.2020 - 02.2022
Senior Manager
Crossroad Insurance
07.2019 - 08.2020
Relationship Manager
CBI Bank
10.2016 - 02.2019
Sr. Relationship Officer
Adcb Bank
03.2015 - 08.2016
Sr. Relationship Officer
CBD Bank
02.2014 - 12.2014
Relationship Officer
RAK BANK
08.2012 - 12.2013
Sr. Financial Relationship Manager
Idbi Federal Life Insurance Ltd
09.2011 - 08.2012
Sr.Relationship Manager
ICICI PRUDENTIAL
03.2009 - 04.2011
Mercantile Marine Course - STCW
SNS MARITIME INSTITUTE
Electrical Engineering
Korattymatha Technological Institute & ITC
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