SWETA MALVIYA
Dubai
Summary
Experienced banking professional with expertise in banking regulations, credit risk assessment, and strategic financial planning. Proficient in banking software, Microsoft Excel, and cross-selling financial products to optimize customer satisfaction and drive revenue growth. Demonstrates strong leadership capabilities and a customer service-oriented approach while excelling in debt restructuring and implementing effective credit control measures. Committed to leveraging skills to support organizational goals and enhance financial performance.
Overview
10
10
years of professional experience
2014
2014
years of post-secondary education
1
1
Certification
Work history
Retail Banking Officer- Credit Cards
Emirates Islamic Bank
Dubai, United Arab Emirates
07.2025 - Current
- Promote credit card products and services to potential customers.
- Acquire new customers through various channels, including cold calling and referrals.
- Conduct credit checks and assess customers' creditworthiness.
- Assist customers in completing credit card applications and ensure accurate documentation.
- Analyze customer accounts to identify cross-selling opportunities.
- Provide exceptional customer service and address customer inquiries and concerns.
- Collaborate with internal teams to resolve customer issues and ensure timely resolution.
- Stay updated on credit card industry trends, regulations, and policies.
- Ensure compliance with credit card policies and procedures.
- Achieve sales targets and contribute to the overall success of the organization.
- Executed cold calls for the purpose of expanding client base.
- Coordinated sales efforts with marketing campaigns to increase coverage.
Business Development Officer
First Abu Dhabi Bank
Dubai
09.2022 - 07.2025
- Consistently surpass sales targets in Credit Cards, Personal Loans, and CASA.
- Identify and approach prospective customers, effectively communicating product features and benefits.
- Foster trust-based relationships with clients, ensuring their needs are met and exceeded.
- Stay informed on banking policies and industry trends to remain competitive.
- Collaborate cross-functionally to deliver an exceptional client experience from initiation to completion.
- Proactively engage potential clients through strategic networking and resource development.
- Adhere strictly to the bank's Standard Operating Procedures and Code of Conduct.
- Discover and utilize resources that align with business development objectives for optimal results.
- Elevate customer service standards by effectively managing complaints to ensure satisfaction.
- Maintain comprehensive records of sales activities to track performance metrics.
- Partner with Marketing to develop innovative outreach strategies that attract and retain clients.
- Establish strategic partnerships within PBG sales and distribution to drive impactful results.
- Contribute to overall team success by achieving and surpassing performance goals.
Sales Manager - Credit Cards/Personal Loan
HDFC Bank
Bengaluru, India
08.2019 - 04.2022
- Achieved Fincon targets across a diverse range of products, including Credit Cards, Personal Loans, Home Loans, and more.
- Executed end-to-end business strategies for credit cards and personal loans.
- Led a team of 12 to enhance sales performance and customer service efficiency.
- Streamlined sales processes to improve turnaround times and product awareness.
Senior Relationship Manager
ETYACOL TECHNOLOGIES PVT LTD (CASH KUMAR)
Bengaluru, India
04.2018 - 08.2019
- Streamlined and managed the end-to-end Loan Disbursal process, ensuring timely completion and seamless stakeholder coordination.
- Executed meticulous documentation and audit procedures, while ensuring prompt action on recommendations to enhance operational efficiency.
- Crafted comprehensive closing documents and reports, effectively engaging clients to facilitate timely loan agreement signings.
- Collaborated with the physical verification team to conduct thorough residence and business checks, ensuring compliance and client verification.
- Conducted in-depth off-balance sheet analysis of borrowers, assessing banking data, tax returns, creditworthiness, and compliance metrics to mitigate risk.
Business development executive
FIN MOMENTA PVT LTD
Bengaluru, India
03.2017 - 03.2018
- Identify and acquire new customers while exploring new opportunities to drive business growth.
- Build strategic relationships and coordinate sales/service activities to optimize team performance.
- Plan and direct marketing and sales initiatives to achieve business objectives.
- Address customer complaints promptly and provide exceptional after-sales support.
- Ensure customer satisfaction through outstanding post-sales service and support.
Relationship officer
HDFC Bank
Bengaluru
01.2016 - 02.2017
- Drive sales of diverse asset and liability products, including Personal and Business loans, Credit Cards, Cash on Card, BTE, Easy EMI Payment options, and Term Loans, consistently achieving daily and monthly sales targets.
- Gather and relay customer feedback to management for enhanced service improvement.
- Engage with applicants to clearly communicate the risks, benefits, and terms of loan products in accordance with government regulations.
- Expand credit card customer base while educating customers on effective product usage.
- Articulate the various loan and credit options available, outlining their terms and conditions.
- Maintain and update contact database with precise profiles, notes, and relevant client information.
Education
Bachelor of Commerce - Computer
BARKATULLAH UNIVERSITY, BHOPAL
Hoshangabad, Madhya PradeshHigher Secondary School - undefined
SETH GURU PRASAD AGRAWAL HR. SEC. SCHOOL
Hoshangabad, Madhya PradeshHigh school diploma - undefined
SUMITRA PUBLIC SCHOOL, BABAI
Hoshangabad, Madhya PradeshSkills
- Knowledge of banking regulations
- Banking software proficiency
- Microsoft excel expertise
- Cross-Selling products
- Debt restructuring knowledge
- Credit control measures
- Credit risk assessment
- Strategic financial planning
- Team Leadership
- Customer service-oriented
Languages
English
Hindi
Personal Information
- Date of birth: 10/28/94
- Nationality: Indian
- Marital status: Single
- Visa status: Visit Visa
Certification
- Awarded to Top Performance certificate for Highest booking in digital seller Q3 2023.
- Awarded to Top Performance certificate for Top seller in cards Q3 2023.
- Awarded to Top Performance certificate for Top seller in cards Q1 2024.
Timeline
Retail Banking Officer- Credit Cards
Emirates Islamic Bank
07.2025 - Current
Business Development Officer
First Abu Dhabi Bank
09.2022 - 07.2025
Sales Manager - Credit Cards/Personal Loan
HDFC Bank
08.2019 - 04.2022
Senior Relationship Manager
ETYACOL TECHNOLOGIES PVT LTD (CASH KUMAR)
04.2018 - 08.2019
Business development executive
FIN MOMENTA PVT LTD
03.2017 - 03.2018
Relationship officer
HDFC Bank
01.2016 - 02.2017
Higher Secondary School - undefined
SETH GURU PRASAD AGRAWAL HR. SEC. SCHOOL
High school diploma - undefined
SUMITRA PUBLIC SCHOOL, BABAI
Bachelor of Commerce - Computer
BARKATULLAH UNIVERSITY, BHOPAL
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