UNNIKRISHNAN M
Dubai
Summary
Results-driven banking professional with over 2 years of experience in sales, collections, and customer relationship management. Proven success in meeting collection and sales targets, handling delinquent accounts, and maintaining strong client relationships. Experienced in personal loans, credit cards, savings accounts, and retail banking products. Skilled in negotiation, recovery follow-ups, and resolving customer issues in line with UAE banking standards and compliance. Currently based in Dubai on a Visit Visa, seeking opportunities in banking collections, sales, or customer service roles.
Overview
2
2
years of professional experience
Work History
Customer Service & Collections Officer
ESAF Small Finance Bank
08.2024 - 06.2025
- Managed loan collection portfolios, performed daily follow-ups, and reduced overdue accounts through effective communication and negotiation.
- Handled deposits, withdrawals, and customer service transactions while maintaining compliance with audit and KYC standards.
- Resolved customer issues promptly, ensuring a positive service experience and improved customer retention.
- Supported sales campaigns and consistently achieved monthly collection and sales targets.
- Ensured documentation accuracy and adherence to RBI and internal compliance standards.
Relationship Manager
IDFC First Bharat
03.2023 - 02.2024
- Managed a portfolio of retail customers for loans, deposits, and credit products with focus on sales and collections.
- Conducted customer visits for payment recovery and relationship building to minimize delinquency.
- Achieved branch-level sales targets in savings accounts, loans, insurance, and term deposits.
- Ensured compliance with KYC, AML, and audit procedures to maintain data accuracy and integrity.
- Supported cross-functional teams in lead generation, customer onboarding, and product upselling.
Education
Bachelor of Engineering - Electronics & Communication
Anna University
IndiaSkills
- Banking Sales & Loan Collections
- Customer Relationship Management (CRM)
- Personal Loan & Credit Card Sales
- Recovery Follow-Up & Payment Negotiation
- Portfolio Management & Delinquency Control
- Liability & Asset Product Sales (Accounts, Deposits, Loans)
- Cross-Selling & Upselling of Banking Products
- Customer Retention & Complaint Resolution
- Target Achievement & Revenue Growth
- KYC, AML & Regulatory Compliance
- Field Visit & Customer Follow-Up
- MIS Reporting & Documentation
- Core Banking Systems: CRM
- Customer Handling
- Negotiation
- Communication
- Collection Reporting
- MIS & Target Tracking
- MS Office Suite (Excel, Word, PowerPoint)
Accomplishments
- Consistently achieved 95-100% of monthly loan collection and sales targets.
- Reduced delinquency rate by 20% through proactive customer engagement and recovery strategies.
- Recognized for excellence in customer service and retention across assigned branches.
Languages
- English
- Tamil
- Malayalam
Personal Information
- Nationality: Indian
- Visa Status: Visit Visa
Technical And Additional Skills
- Core Banking Systems: CRM
- Customer Handling, Negotiation & Communication
- Collection Reporting, MIS & Target Tracking
- MS Office Suite (Excel, Word, PowerPoint)
Languages
English
Proficient
C2
Tamil
Proficient
C2
Malayalam
Intermediate
B1
Timeline
Customer Service & Collections Officer
ESAF Small Finance Bank
08.2024 - 06.2025
Relationship Manager
IDFC First Bharat
03.2023 - 02.2024
Bachelor of Engineering - Electronics & Communication
Anna University