Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic
Saju Francis

Saju Francis

Branch In-Charge
Dubai

Summary

Seasoned finance professional with 15+ years’ experience in branch management, compliance, and remittance. Skilled in leading teams, streamlining operations, and ensuring UAE Central Bank compliance.

Overview

15
15
years of professional experience
1
1
Certification
6
6
Languages

Work History

Branch Operations Manager

Al Fardan Exchange SP LLC
05.2015 - Current
  • Manage day-to-day branch operations, including remittance and foreign exchange services.
  • Ensure full compliance with UAE Central Bank regulations and AML policies.
  • Develop and execute strategies to achieve revenue targets and customer satisfaction.
  • Maximized performance by monitoring daily activities and mentoring team members.
  • Managed daily branch operations for optimal productivity and customer satisfaction.
  • Supervised a team of employees, fostering a positive work environment and emphasizing professional growth.
  • Performed monthly compliance checks.
  • Trained employees on proper procedures and strategies to improve productivity.
  • Developed strong relationships with clients, resulting in increased loyalty and repeat business.
  • Enhanced customer experience by providing exceptional service and addressing concerns promptly.
  • Organized staff schedules to ensure adequate coverage during peak business hours while maintaining employee satisfaction.

Sales Officer

Lotzindia Pvt Ltd
08.2014 - 04.2015
  • Identified and followed up on new business opportunities through directories and referrals.
  • Boosted sales performance by identifying and targeting high-potential leads.
  • Managed client relationships and ensured high levels of customer service.
  • Prepared and processed sales contracts and orders.
  • Enhanced customer satisfaction with timely follow-ups and personalized service.
  • Responded to customer needs by answering questions and providing detailed information about products and services.

Front Line Executive

Muthoot Finance Ltd
04.2010 - 06.2014
  • Verified and valued collateral for loan disbursal.
  • Handled inward/outward money transfers and foreign exchange transactions.
  • Managed cash counters, branch accounts, and daily fund operations.
  • Ensured compliance with KYC norms and documentation standards.
  • Acted as a liaison between the branch and regional/corporate offices.
  • Provided high-quality customer service and administrative support.

Education

MBA -

Anna University
Chennai, India
05.2001 -

Bachelor of Arts - Economics

Kerala University
Kerala, India

Higher Secondary Certificate (HSE) -

Board of Higher Secondary Education
Kerala,India

Skills

  • Branch Operations Management
  • Regulatory Compliance & AML
  • Remittance & FCY Operations
  • Team Leadership & Staff Training
  • Customer Relationship Management
  • Cash & Fund Management
  • FinTech Awareness
  • Sales and Business Development
  • KYC
  • Customer Due Diligence
  • Cross-Selling

Certification

FinTech Certification

Timeline

FinTech Certification

07-2025

Branch Operations Manager

Al Fardan Exchange SP LLC
05.2015 - Current

Sales Officer

Lotzindia Pvt Ltd
08.2014 - 04.2015

Front Line Executive

Muthoot Finance Ltd
04.2010 - 06.2014

MBA -

Anna University
05.2001 -

Bachelor of Arts - Economics

Kerala University

Higher Secondary Certificate (HSE) -

Board of Higher Secondary Education

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