Akash Agarwal
Business Banker
Hari Nagar New Delhi
Summary
- Strategic Leader with over 14 years (9 years in U.A.E.) of rich experience in the Banking & Insurance Sector along with expertise in formulating strategies, steering initiatives, and exploring new market segments.
- Highly skilled in business development areas like Business Banking, Secured Business Loans, Unsecured Loans, SME Financing, Residential & Commercial mortgages. Achieved & drove business successfully for Abu Dhabi Commercial Bank as Senior Relationship Officer, reporting to Asst. Vice President.
- Proficient in selling value-add products and services for SME Financing, Liability, NTB Accounts, Loan Against Property, Mortgage, Assets Backed Financing and cross- selling of other products like Corporate Salary accounts, Cash management products , Auto Loan, etc.
- Significant contributor in maximizing revenue growth, operational performance & profitability of Branches, Clusters, Segments.
- Comprehensive experience in Credit Monitoring and preparing Credit Proposals while directing customer service functions, revenue generation, and ensuring internal & external compliance.
- Team-based management style coupled with the zeal to drive vision into reality to enhance organizational effectiveness.
Overview
14
14
years of professional experience
3
3
years of post-secondary education
Work History
Senior Relationship Officer
Abu Dhabi Commercial Bank
Dubai
07.2016 - 09.2021
- Sourcing of Business loans, Trade working capital , Asset backed financing eg
- Heavy equipment and Machinery finance, Merchant loans, Liabilities products and cross sell of Insurance and Cash management products such as
- Pro-Cash across the SME and MSME segments
- Managing priority while working on a number of high priority opportunities simultaneously
- Coordinate across ADCB businesses to increase souring of new business prospects and to build out “own” network
- Proactively identifying and driving business opportunities with new and existing customers in assigned portfolio and assigned territories
- Communicate and provide status updates on issues to customers , management team and other stakeholders
- Prepare credit application in close co-ordination with line manage prior submitting to credit team
- Taking care of renewals and updating quarterly client visit reports in system
- Ensure compliance to organizational policies & standard operating procedures pertaining to day to day business transactions.
Assistant Team Leader
Mashreq Bank
Dubai
06.2014 - 04.2016
- Spearhead team efforts in generating business for SME loans, business credit cards and insurance across the SMEmarket segment in the UAE
- Managing a team of 8 Senior Sales Officers
- Participate in market research for identifying and developing business from the target market segment
- Develop rapport with key decision makers across existing client & prospect organizations, generate awareness onorganizational products/ services for effectively closing identified business deals
- Prepare/ maintain updated customer profiles based on nature of business and company financials (bank statement,annual audit report including suppliers, buyers and market reputation
- Function as first line of credit involved in evaluating applicant's profile and finalizing credit worthiness
- Enhance client satisfaction by effectively resolving reported issues and rendering qualitative service delivery
- Cater to banking products like merchant loans, mortgage loans, business accounts, Salary transfer loans, auto loansand trade finance
- Ensure compliance to organizational policies & standard operating procedures pertaining to day to day businesstransactions
Senior Relationship Officer
Barclays Bank - Abu Dhabi Islamic Bank ( Merged Entity )
Dubai
09.2013 - 03.2014
- Involved in generating customers for business loans across the small and medium enterprises segment
- Functioned as first line of credit involved in evaluating company profile based on nature of business, company financial like bank statement and annual audit report
- Focused on enhancing business generation from all the 7 Emirates through tele-calling, cold calling and utilizing customer references
- Ensured compliance to organizational key performance standards and other policies/ procedures in conducting day to day business transactions
- Highlighted critical issues with potential business impact to the senior management for implementation of effective remedial measures
Senior Relationship Officer
Barclays Bank
Dubai
02.2013 - 09.2013
- Dealing in Financial products & services - Personal Income Loan (PIL- Without Salary Transfer Loan)
- Cracking business deals by converting leads into opportunities
- Dealt with Retail clients, Banks, Corporate houses
- Focus on customer satisfaction, after sales service, up-selling and cross-selling
- Ability to build customer database through networking and references
- Ensuring that issues are resolved without losing the customer
- Client Relationship Management based selling.
Premier Wealth Manager
HSBC Invest Direct Securities India Ltd
New Delhi
03.2011 - 01.2013
Associate Sales Manager
HSBC Invest Direct India Ltd
New Delhi
11.2009 - 03.2011
Assistant Manager - Personal Banker Sales
HDFC Bank LTD
New Delhi
02.2009 - 09.2009
Teller - Cash Management
HDFC Bank LTD
New Delhi
06.2008 - 01.2009
Credit Risk Control officer
Standard Chartered Bank
04.2006 - 06.2007
Education
Bachelor of Commerce - Commerce
Vardhman College - MJPR University
Bijnor - Uttar Pradesh 06.2002 - 06.2005
Skills
Business Banking
Financial Product Management
New Markets/ Business Development
Due Diligence
Reporting & Documentation
Credit Analysis & Monitoring
Client Relationship Management
Team Management & Training
Additional Information
- Request
Soft Skills
1:- Interpersonal Communication
2:- Cross-function Coordination
3:- Thought Leadership Client
4:- Creative Problem - Solving
5:- Innovator
6:- Positive Attitude
7:- Empathy
8:- Interpersonal Communication
Timeline
Senior Relationship Officer
Abu Dhabi Commercial Bank
07.2016 - 09.2021
Assistant Team Leader
Mashreq Bank
06.2014 - 04.2016
Senior Relationship Officer
Barclays Bank - Abu Dhabi Islamic Bank ( Merged Entity )
09.2013 - 03.2014
Senior Relationship Officer
Barclays Bank
02.2013 - 09.2013
Premier Wealth Manager
HSBC Invest Direct Securities India Ltd
03.2011 - 01.2013
Associate Sales Manager
HSBC Invest Direct India Ltd
11.2009 - 03.2011
Assistant Manager - Personal Banker Sales
HDFC Bank LTD
02.2009 - 09.2009
Teller - Cash Management
HDFC Bank LTD
06.2008 - 01.2009
Credit Risk Control officer
Standard Chartered Bank
04.2006 - 06.2007
Bachelor of Commerce - Commerce
Vardhman College - MJPR University
06.2002 - 06.2005