Urmimala Bhattacharya
Dubai
Summary
Seeking suitable assignments in portfolio management and relationship management.
Experienced and results-driven banking professional with over 15 years of extensive experience in relationship management, sales, coverage, and branch operations within the banking/financial services/insurance industry.
10 years of UAE experience in Corporate Sector, having deep understanding of market dynamics and being able to consistently deliver exceptional results.
Overview
19
19
years of professional experience
Work History
Senior Relationship Officer -Commercial Banking
ADCB
10.2022 - Current
- Working in the role of relationship manager , managing portfolio of 300 corporate clients, with total book value of 100 million AED
- Being their one point of contact for any service/product need. Interfacing with various internal banking departments to meet the client's service needs as per bank policy and standards.
- Managing and developing existing liability & asset portfolio ,sourcing new to bank customers and assisting them by providing them tailor made solution for liability and asset products.
- Increasing the liability portfolio by opening new CASA, fixed deposit and ensure revenue generation from Trade products such as Guarantees ,LCs and through cross selling of Forex transactions, Banc assurance and investment products.
- Meeting the financing needs of the portfolio clients, in the form of asset backed finance , business finance,working capital facilities like Sales Invoice discounting, Supplier Invoice discounting, Letter of Credits and Guarantees
- Responsible for maintaining and improving quality and profitability of assigned portfolio by reviewing KYC and anti-money laundering procedures.
- Adhering to bank’s policies and procedures while prospecting and submitting the applications.
- Achieving targets in line with the revenue objective of the bank
Senior Relationship Officer-Business Choice Accounts
ADCB
01.2020 - 10.2022
- Sourced new to bank SME relationships.
- Communicated regularly with existing clients to understand needs, evaluate current product use and cross-sell various products, like payment gateways , point of sale machines , insurance , premium personal accounts (excellency and private)
- Achieved goals for sale of bank products and services and exceeded performance metrics for customer service.
- Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills.
Relationship Officer -Corporate Liabilities
Deem Finance LLC
08.2015 - 11.2019
- Sourced Corporate Investments through high yield Corporate deposits , deposits against various kinds of financial guarantees and labour guarantees.
- Built and deepened productive relationships with prospective customers to drive sustained growth.
Life Insurance Advisor
ICICI Prudential Life Insurance Co. Ltd.
06.2009 - 06.2012
- Evaluated business and individual customer needs and financial situations to propose individualized policy recommendations.
- Explained advantages, features, and disadvantages of various policies to promote sale of plans
Assistant Manager II, Branch Operations
ICICI Bank Ltd.
04.2006 - 11.2008
- Handled the entire gamut of branch operations and banking operations to ensure optimal service and efficiency levels.
- Demonstrated strong abilities in cementing healthy relationship with the clients for generating business through cross sell of various banking products.
- Offered hands-on assistance to customers, assessing needs, and maintaining current knowledge of consumer preferences.
Education
MBA - Marketing
ICFAI Business School
05-2006
B.E. - Chemical Engineering
Haldia Institute of Technology
Vidyasagar University, West Bengal01.2002
Skills
- Portfolio management
- Relationship management
- Trade Finance
- Fixed deposits
- Investments
- Asset Backed Finance
- Simple Working Capital Facility
- Business Finance
Timeline
Senior Relationship Officer -Commercial Banking
ADCB
10.2022 - Current
Senior Relationship Officer-Business Choice Accounts
ADCB
01.2020 - 10.2022
Relationship Officer -Corporate Liabilities
Deem Finance LLC
08.2015 - 11.2019
Life Insurance Advisor
ICICI Prudential Life Insurance Co. Ltd.
06.2009 - 06.2012
Assistant Manager II, Branch Operations
ICICI Bank Ltd.
04.2006 - 11.2008
B.E. - Chemical Engineering
Haldia Institute of Technology
MBA - Marketing
ICFAI Business School
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