Summary
Overview
Work History
Education
Skills
Timeline
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Harsh Tiwari

Jhansi

Summary

Dynamic Relationship Officer with a proven track record at RAKBANK, excelling in credit risk assessment and regulatory compliance. Adept at enhancing customer experiences and driving sales through innovative strategies. Recognized for consistently exceeding performance targets while fostering strong client relationships and delivering tailored financial solutions. Passionate about optimizing service quality and customer retention.

Overview

13
13
years of professional experience

Work History

Relationship Officer

RAKBANK
Dubai
03.2021 - Current
  • Optimized credit card onboarding processes using Digital Onboarding Platform to streamline customer interactions.
  • Conducted comprehensive credit risk assessments and customer due diligence, ensuring compliance with KYC regulations.
  • Delivered exceptional customer service while identifying innovative strategies for service quality enhancement.
  • Collaborated with internal stakeholders to refine service delivery and boost customer engagement outcomes.
  • Analyzed customer feedback to inform continuous improvement in onboarding and service practices.
  • Provided support during onboarding process for new customers as well as existing ones.
  • Ensured compliance with regulatory standards and company policies in all client interactions.
  • Conducted risk assessments for client portfolios, recommending strategies to mitigate potential losses.
  • Executed financial due diligence and created valuation model to establish enterprise value and purchase price.
  • Applied strict company and regulatory standards when producing contracts and documentation.
  • Investigated financial resources and creditworthiness.

Relationship Officer

RAKBANK
Dubai
05.2018 - 03.2021
  • Achieved sales targets consistently while upselling and cross-selling loans to existing credit card customers.
  • Managed customer experience, ensuring timely documentation and adherence to turnaround times.
  • Ranked 'Exceeds Expectation' annually by meeting all key performance indicators.
  • Collaborated with collections team during pandemic, assisting in loan deferral and rescheduling processes for ten months.
  • Provided tailored financial advice based on clients' needs and goals.
  • Analyzed client data to identify opportunities for product and service cross-selling.
  • Resolved client issues promptly, fostering trust and loyalty.
  • Developed strategies focused on customer retention and acquisition.

Personal Banker

Barclays Technology Centre India Pvt. Ltd.
Noida
11.2016 - 04.2018
  • Assisted customers with deposits, withdrawals, transfers, loan payments and other banking transactions.
  • Provided customer service to clients, including answering questions and resolving issues.
  • Executed wire transfers of funds in compliance with banking best practices.
  • Maintained and built strong client relationships through quality, personalized interactions.

Master Customer Care Professional

American Express India Pvt. Ltd.
Gurugram
11.2012 - 11.2014
  • Responded to customer inquiries via phone, email and chat.
  • Conducted follow-up calls with customers to ensure satisfaction.
  • Investigated complex or escalated issues and provided solutions where possible.
  • Collaborated with other departments to resolve customer inquiries quickly and efficiently.
  • Monitored performance metrics related to customer care activities.
  • Maintained accurate records of customer interactions and transactions.

Education

Bachelor of Technology - Biotechnology

Institute Of Engineering And Technology
Jhansi
08-2008

Skills

  • Credit risk assessment
  • Regulatory compliance
  • Relationship management
  • Credit history review
  • Risk management

Timeline

Relationship Officer

RAKBANK
03.2021 - Current

Relationship Officer

RAKBANK
05.2018 - 03.2021

Personal Banker

Barclays Technology Centre India Pvt. Ltd.
11.2016 - 04.2018

Master Customer Care Professional

American Express India Pvt. Ltd.
11.2012 - 11.2014

Bachelor of Technology - Biotechnology

Institute Of Engineering And Technology

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Harsh Tiwari