Confidential Confidential

  • Senior Manager
  • Queens, New York 11364
  • Dec 27, 2017
Full time Management

Personal Summary

Detail-oriented, self-motivated, and experienced business manager with more than 10 years of entrepreneurial experience, focusing on account management, operations, and product development.

Armed with expertise in developing strategies to increase business and return on investment. Equipped with proven track record of success in leading team efforts to boost business volume; coupled with proficiency in exceeding sales goals by seeking business opportunities with professionals, developing sound solutions to problems, and executing management programs. Articulate communicator, with multilingual fluency in English, Urdu, Hindi, Punjabi, and Arabic. Technically proficient with Microsoft Office Suite.

Work Experience

Senior Manager, Retail Coverage and Business Development
National Bank of Abu Dhabi

Strategic Business Development

  • Established the department from scratch and led the departments’ effort to increase bank's share

  • Determined and suggested new potential companies for listings and upgrade to guarantee the bank’s alignment with the market practice

  • Ensured alignment of the department with wholesale, commercial, and retail banking to list their companies and generate businesses

Personnel Development

  • Formed a team consisting of relationship managers and relationship officers to promote the bank’s retail products

  • Organized quarterly trainings to maintain the team’s knowledge regarding different banking procedures

Partnership and Interpersonal Relations

  • Directly collaborated with Credit, Risk, and Product departments as well as ensured accuracy in drafting a policy for potential companies with probable employees for retail products

  • Facilitated monthly meetings with stakeholders and country CEO to update them regarding business activities as well as to develop effective strategy to increase business in the Dubai region

  • Collaborated with the Product Team in managing offers and exclusive packages for potential employers; and Credit and Risk departments in dealing with new company listing, upgrade, downgrade, and suspension

Career Highlights:

  • Formulated a policy for company listing and an action plan to acquire several companies and promote retail offerings and sales, which resulted in achieving more than 1,500 companies with over 225,000 potential employees eligible for retail products in 2015 and 2016

  • Accomplished more than 10% growth in business

  • Attained exceptional share of retail business from the listed companies in 2015 and 2016

  • Directed the successful establishment of a Retail Coverage and Business Development Unit in 2014

  • Performed extensive planning and coordination of sales promotions and events which increased customer’s awareness of the listed companies and influence penetration

  • Improved the skills of relationship managers (RM) and relationship officers (RO) through extensive coaching and weekly coordination to ensure their alignment with the department’s objectives

Sales Manager, Indirect and Institutional Sales, Retail Distribution
Emirates NBD

Sales Administration

  • Led the development of new cost effective Sales Unit in support of consumer retail products penetration in the market

  • Conducted solicitation of the bank’s products by on boarding prominent outsource agencies

Personnel Development

  • Supervised agencies in hiring more than 110 agents and 5 assistant managers

  • Directly assisted the agencies in deploying, training, and supporting Sales Team to meet the required levels of performance and competence

  • Motivated sales force in demonstrating superior performance by proposing and implementing incentive and recognition schemes

Career Highlights:

  • Generated a cost effective sales channel in 2013 which resulted in recruiting more than 110 agents with no extra fixed cost to the bank and improving the productivity of 12 units per agent in a year against the desired productivity of 15 units per agent

  • Contributed in creating business strategies and plans aligned with business mission and objectives

  • Established feasible sales targets for the agencies while monitoring their progress to ensure attainment of budgeted sales objectives

  • Significantly enhanced operating efficiencies by identifying, recommending, and seeking acceptance for the required changes in the distribution processes

  • Boosted revenue and market share through identification and recommendation of new markets and distribution outlets

Area Sales Manager, Branches
Emirates NBD

Sales Management

  • Administered the consumer sales of 5 states, 12 branches, 36 personal banking advisors, as well as 5 branch sales and service managers

  • Enforced sales targets for Personal Banking Advisors and Branch Sales and Service Managers while monitoring the achievement of budgeted sales objectives

  • Oversaw all key accounts and supported the management to ensure provision of exceptional service and customer loyalty

Personnel Development and Coordination

  • Conducted appraisal, development, coaching, and motivation of staff to meet the required levels of competence and productivity

  • Maintained daily coordination with the Credit Department to ensure smooth application processing

Career Highlights:

  • Attained 300% improvement in the Sharjah and Northern Emirates territories in 2011 and 2012

  • Successfully obtained sales target of 130 % in 2012 and 120% in 2011

  • Exemplified excellent performance and commitment, thus receiving a Certificate of Achievement from the group CEO in July 2012

  • Accepted an Appreciation Certificate from the General Directorate of Foreign Affairs and Ministry of Interior, UAE for demonstrating outstanding customer support in March 2011

  • Increased revenue and strengthened market presence by obtaining cross-selling targets of non-assigned products and services

  • Determined and streamlined processes within the Sales Unit, thus enhancing the turnaround time and service levels

  • Improved the skills of sales staff by leading on-job-training and coaching while overseeing their performance to comply with the required levels of performance as well as competence and productivity

  • Yielded sales and market share by developing new markets and customers

Assistant Sales Manager
IBS – Emirates NBD

Sales and Payroll Administration

  • Handled liabilities and focused on several payroll accounts

  • Interacted with existing and new corporate clients regarding their payroll accounts and other retail facilities while providing complete payroll solutions (WPS Solutions)

  • Employed several control systems for the Business Unit to guarantee compliance, control, and reporting of submission

Personnel Development

  • Served as the mentor, trainer, and guide of the team in achieving their monthly targets

  • Managed and led 15 members and received promotion as an area sales manager with assignment of overseeing five states

Customer Service

  • Ensured quick and on-time response to customer issues to resolve problems and ensure service recovery

  • Maintained consistent service level delivery through implementation and monitoring of approved customer service standards

Career Highlights:

  • Secured 165% and 190% in payroll accounts in 2009 and 2010

  • Met 100% in sales quota in 2006, 2007, and 2008

  • Received a Certificate of Appreciation for valuable contribution and commitment from the group deputy CEO in December 2010; as well as Certificate of Achievement for the Top Performer Business Development–IBS in the 1st quarter of 2010 from the head of direct sales

  • Boosted sales and service by promoting continuous improvement initiatives and enforcing effective and approved suggestions

  • Accomplished sales objectives by implementing effective promotions and selling strategies


Master of Business Administratio
Shaheed Zulfikar Ali Bhutto Institute of Science and Technology
Diploma in Islamic Finance and Banking
The Association of Business Practitioners/ Westford School of Management
Bachelor of Science in International Business
Skyline University College (In Collaboration with National American University)