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, IndiaHigher Secondary Certificate (HSE) -
Board of Higher Secondary Education
Kerala,IndiaSkills
- 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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