Zameer Ismail Mukaddam
Dubai
Summary
A result driven professional having over 16 years of banking experience. Able to aggressively drive sales, growth, and profits by developing a friendly, well-trained sales team who are always highly visible to customers and responsive to their needs. Having hands-on style of management and ability to generate business insights from diverse data sources. Having a successful track record as a top performer throughout the banking career.
Overview
25
25
years of professional experience
Work history
Assistant Vice President & Team Leader
First Abu Dhabi Bank (FAB)
07.2024 - 08.2025
- Lead a team responsible for managing POS loans, bancassurance, CASA, cross-selling Mortgage Backed Finance, and Business Credit Cards.
- Implement strategic initiatives to improve team performance and achieve business targets.
- Foster a collaborative team environment to enhance productivity and customer satisfaction.
- Develop and execute training programs to ensure team members are well-equipped with necessary skills and knowledge.
- Monitor and analyze key performance indicators to drive continuous improvement.
- Involve in policy and process implementation to streamline operations and ensure compliance.
- Meet with third-party vendors to establish tie-ups and generate leads.
Team Leader (Business Finance Consumer Banking)
Dubai Islamic Bank
04.2022 - 06.2024
- Primarily responsible for developing, and servicing a portfolio of business clients with sales turn over up to AED 250 M.
- Managing team members in sourcing new customers for business finance through referrals from existing customers.
- Follow up with credit committee on submitted and pending cases.
- Scrutinize documents and physical verification of premises.
- Trained new recruits on SME policies and process.
- Understanding requirements of customers for seeking finance and ascertaining their business profitability.
- Products Handled: Business Loans, Account opening
Unit Head (Liabilities & Cash Management Services)
Abu Dhabi Islamic Bank
01.2018 - 07.2020
- Managed and increased large account portfolios and client relationships for assigned portfolio in the Elite segment.
- Originated new business opportunities with target clients across banking products.
- Managed and followed up on KYC and compliance requirements in order to ensure consistency with the bank's KYC and AML policies.
- Identified and developed cross selling opportunities and increased the cross selling ratio with key clients.
- Achieved individual and team's performance targets.
- Products Handled: Account opening, FOREX, Takaful, Fixed Deposits, Trade Document Collection (Import & Export LC)
Area Sales Manager (Business Banking Asset Financing)
Abu Dhabi Islamic Bank
01.2013 - 12.2017
- Primarily responsible for developing, and servicing a portfolio of business clients with sales turn over up to AED 100 M.
- Ensured profitable growth for asset portfolio through sound credit policy and portfolio management.
- Products Handled: Supplier Finance, Short Term Business Finance, Business Covered Cards, Fleet Finance
Team leader
Abu Dhabi Islamic Bank
10.2008 - 12.2012
- Assisting team members in sourcing new customers to bank through referrals from existing customers and branch walk-in customers.
- Scrutinize documents and physical verification of premises.
- Trained new recruits on SME policies and process.
- Understanding requirements of customers for seeking finance and ascertaining their business profitability.
- Administrated the recovery of loans as per time schedule.
Business Finance Relationship Manager (SME)
RAK Bank
10.2007 - 09.2008
- Analyze applicants financial status, credit to determine the feasibility of granting loans.
- Plan and coordinate risk mitigation strategies to reduce defaults.
- Build strong rapport with new and existing clients to better serve financial needs and promote loyalty.
- Prepare operational and risk reports detailing financial analysis to help risk management teams to make informed decisions.
- Educate customers on a variety of loan products and available credit options to promote valuable decision-making.
- Products Handled: Business Loans & Auto Loans
Business Finance Relationship Officer
RAK Bank
10.2006 - 11.2007
- Generated leads to achieve monthly targets.
- Met clients to retrieve complete information regarding business operations and finances.
- Analyzed company profile and prepared visit reports.
- Initiated opening of company accounts for disbursal of loans.
Auto Loans Officer
RAK Bank
10.2004 - 09.2006
- Generating leads, Managing loans, approvals, and payments for major Auto dealers in UAE.
- Analysis of customer's loan eligibility
TataTele Services India
03.2000 - 09.2004
- Handling CRM team of 45 CSE's in house and 15 CSE's outsourced.
- Analyzing root cause for disputes and coordinating for solutions.
- Preparing case analysis and making field visits.
- Handling all disputes for major corporate clients.
Education
B.Com - Financial Accounting
University of Mumbai
Skills
- Business Banking
- Islamic Banking
- Relationship Management
- Portfolio Management
- Audit Analysis
- Analytical skills
- Sales and Leadership
- Risk Analysis
- Result oriented
Accomplishments
- Achieved FX Revenue of AED 44M as against the target of 14.7M for the year 2019.
- Increased liabilities portfolio from AED 500M to AED 1B in 2019.
- Achieved FX Revenue of AED 14.8 M as against the target of 4M for the year 2018.
- Awarded Best Area Sales Manager for the year 2014 by CEO (ASSET FINANCE 494M)
- Awarded Best Sales Manager for the year 2013. (ASSET FINANCE 343M)
- Promoted as Relationship Manager within a year based on consistent performance.
- Achieved 125% over and above of the assigned target for the year 2006 (AED 40 million)
Training
- Financial Statement Analysis – Emirates Institute of Banking, Sharjah
- Fundamentals of Corporate credit Analysis – Moody’s
- Sales Planning and Territory Management
- Service Quality Excellence & Team Building Workshop.
Timeline
Assistant Vice President & Team Leader
First Abu Dhabi Bank (FAB)
07.2024 - 08.2025
Team Leader (Business Finance Consumer Banking)
Dubai Islamic Bank
04.2022 - 06.2024
Unit Head (Liabilities & Cash Management Services)
Abu Dhabi Islamic Bank
01.2018 - 07.2020
Area Sales Manager (Business Banking Asset Financing)
Abu Dhabi Islamic Bank
01.2013 - 12.2017
Team leader
Abu Dhabi Islamic Bank
10.2008 - 12.2012
Business Finance Relationship Manager (SME)
RAK Bank
10.2007 - 09.2008
Business Finance Relationship Officer
RAK Bank
10.2006 - 11.2007
Auto Loans Officer
RAK Bank
10.2004 - 09.2006
TataTele Services India
03.2000 - 09.2004
B.Com - Financial Accounting
University of Mumbai
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