A decisive manager, team leader and a decision maker, who excels at managing multiple activities. An expert in improving efficiency, while leading cross-functional teams. A persuasive, educated and skilled communicator, with outstanding client service and relationship management skills.

Experience

  • Associate Director– Retail Sales & Services (Operations), Corporate Business&Partnerships&Bank Notes

    at UAE Exchange

    April 2019 - at Present

    Capital Governorate

    RETAIL SALES & SERVICES (OPERATIONS) and Bank Notes- (May 2016 - Present) Heading a diverse multinational team of 2 Cluster Heads and 13 Branch Heads and 2 Bank Note Dealers Responsible for the P and L of the Country Operations and Bank Notes. CORPORATE BUSINESS & PARTNERSHIPS (Jan 2017 – Present) Heading the team of 1 Business Development Manager and 2 Relationship Officers. Responsible for the enhancement of Corporate Business segment (Acquisition & Retention). RETAIL MARKETING & BUSINESS DEVELOPMENT (Jan 2017 – Mar 2018) Headed the Team of 6 Relationship officers of different Corridors as an additional job role for 15 months. Was responsible for the overall enhancement of various corridors numbers and volume- including new acquisitions, reactivation and retention.

  • Branch Head

    at UAE Exchange

    January 2012 - at Present

    Dubayy

    The Growth Path: Deira Naif II Branch (Jan 2015 – Apr 2016) Jebel Ali Free Zone Branch & DWC Al Maktoum Branch (Apr 2012 – Dec 2014) Sharjah Airport International Free Zone Branch (Jan 2012 – Mar 2012)

  • Manager – Retail Sales & Services (Operations), Corporate Business & Partnerships and Bank Notes

    at UAE Exchange

    May 2016 - March 2019

    Capital Governorate

    Currently heading the Country Operations with a team of 120+ work force. Ensuring the achievement of laid down targets for Remittances, Foreign Exchange and Payment Services. Product Development and new and strategic initiatives including specifications, technical development, operations planning, etc. Ensure adherence to Operational policies, process and procedures. Manage and implement Operational Strategies and plans. Understand competitor offerings & Market Intelligence. Assist & monitor in areas for process improvements. Manage Branch operations in compliance to local Regulator and AML policies and procedures of the. Assist in developing operational controls and monitor operational risks. Resolve issues relating to customers, process, people & products. Manage and drive staff productivity and performance improvement Productivity measures. Branch network expansion & Customer relationship management. Managing the Corporate Business team and Partnership team.

  • Assistant Branch Head

    at UAE Exchange

    February 2011 - December 2011

    Dubayy

    The Growth Path: Al Karama Centre Branch (Jun 2011 – Dec 2011) Deira Main Branch (Feb 2011 – May 2011)

  • Manager - Preferred Banking Programme

    at HDFC Bank Ltd

    July 2007 - January 2011

    Ernākulam - Kerala

    ROLES & RESPONSIBILITIES Relationship Manager of High Net Worth Preferred Banking Programme, handling customers of around 220 groups with net worth of the group (approximately AED 25 million) by acquiring new customers, retaining existing client base and reactivating the inactive customers. ACHIEVEMENTS Included in Top 10 HNW RMs in the Country in May 2009 and performing consistently and among the top 10 in Zonal level as well as awarded the Best Personal Banker Silver Star Awards in the months of July ’07, October ’07, April ’08 and May ’08.

  • Customer Relationship Executive - Foreign Exchange

    at Thomas Cook India Ltd

    August 2006 - May 2007

    Ernākulam - Kerala

    ROLES & RESPONSIBILITIES Administering the overall promotion of TCIL products encompassing Forex, Swift Transfers and Global Money Card. Managing the channel partners to generate maximum business through guidance, motivation and proper follow-ups. Acquiring New Stockist Agents to enhance the sale of foreign currencies and remittances.

  • Branch Head

    at UAE Exchange

    December 2003 - July 2006

    Ernākulam - Kerala

    The Growth Path: Aug’ 06 – Aug’ 06: Branch Head, Thodupuzha, Kerala, India Apr’ 04 – Jul’ 06: Branch Head, Trivandrum Pattom, Kerala, India Dec’ 03 – Apr’ 04: Senior Officer, PT Usha Road, Cochin, Kerala, India

Education

  • Conflict Management

    at Bahrain Institute of Banking & Finance

    2018 - 2018 (1 year) Capital Governorate

  • Building High Performance Teams

    at Bahrain Institute of Banking & Finance

    2017 - 2017 (1 year) Capital Governorate

  • High Impact Leadership

    at Bahrain Institute of Banking & Finance

    2016 - 2016 (1 year) Capital Governorate

  • Basel III Framework

    at Bahrain Institute of Banking & Finance

    2016 - 2016 (1 year) Capital Governorate

  • Operational Risk Management

    at Bahrain Institute of Banking & Finance

    2016 - 2016 (1 year) Capital Governorate

  • Masters in Commerce

    at CMS College, MG University, Kottayam

    2001 - 2003 (2 years) Kottayam - Kerala

  • Bachelors in Commerce

    at CMS College, MG University, Kottayam

    1997 - 2000 (3 years) Kottayam - Kerala

Languages

  • English Negotiation

  • Hindi Negotiation

  • Malayalam Native

  • Tamil Conversation

Hives