Farul Kalra
Brampton
Summary
Hands-on, client-oriented banking professional implements creative investment strategies. Dedicated to continuous improvement of modeling and statistical analysis.
Overview
8
8
years of professional experience
Work History
Financial Services Representative
CIBC Bank
Toronto
05.2022 - 02.2024
- Provided clients with information on bank accounts, institutional policies, financial products and related services.
- Through client conversations, discovering and discussing needs- based banking solution opportunities and proactively promoting, cross- selling appropriate banking services.
- Interviewing and identifying financing applicants by phone for personal loans, mortgages, mortgage refinancing and secured and unsecured lines of credit.
- Discussing deposit accounts, credit and loan products and services, and credit protection.
- Offering superior client experience on every call to meet and exceed client expectations, building loyalty and growing the business.
Insurance Advisor
TD Insurance
Markham
03.2022 - 05.2022
- Educated and counseled clients about insurance coverage differences and results of decisions to persuasively sell maximum coverage within budget.
- Communicated with clients by phone and email to answer questions and offer services.
- Attended continuing education courses to maintain insurance license.
- Answered insurer questions regarding policyholders.
- Promptly responded to reported claims by communicating with customers and reporting information.
- Employed assumptive sales techniques to efficiently close and process sales.
- Conducted research to identify ideal coverage options for customers.
Financial Services Representative
CIBC Bank
Toronto
12.2021 - 03.2022
- Provided clients with information on bank accounts, institutional policies, financial products and related services.
- Through client conversations, discovering and discussing needs- based banking solution opportunities and proactively promoting, cross- selling appropriate banking services.
- Interviewing and identifying financing applicants by phone for personal loans, mortgages, mortgage refinancing and secured and unsecured lines of credit.
- Discussing deposit accounts, credit and loan products and services, and credit protection.
- Offering superior client experience on every cal to meet and exceed client expectations, building loyalty and growing the business
Telesales Representative/Technical Support Representative
S&P Data
Toronto
08.2021 - 12.2021
- Responded to prospects' questions with persuasive communication skills and in-depth knowledge of available products and services.
- Maintained and recorded customer information in database.
- Handled inbound telephone calls from interested customers.
- Used scripted sales strategies to converse with customers reached by manual dialing and automatic systems.
- Broke down objections using friendly, persuasive strategies.
- Made 200 calls per day.
Mobile and Smart Living Consultant
Besy Buy
London
10.2020 - 12.2020
- Maximized sales potential by training new members in improved sales strategies.
- Demonstrated product features by employing knowledge of technology and gadgets.
- Communicated with customers about Geek Squad offerings, including policies, restrictions and refund policies.
- Drove sales of Mobiles,Headphones,Wearables and Computer products by applying proactive nature, knowledge of customer preferences and active listening skills.
- Compiled and reviewed procurement data to make effective projections.
- Completed monthly operational reviews to check budget compliance and identify areas in need of adjustment.
Customer Solutions Specialist
Rogers
London
09.2019 - 10.2020
- Developed, implemented and monitored programs to maximize customer satisfaction and manage on-site customer service representatives.
- Collected, monitored and evaluated customer requirements to achieve desired delivery time and order fill rates.
- Documented conversations with customers to track requests, problems and solutions.
- Liaised between customers and retail buyers to expedite orders and meet customer demands.
- Worked under strict deadlines and responded to service requests and emergency call-outs.
Account Executive
Finxera
Chandigarh
08.2018 - 07.2019
- Drove new business development and client acquisition through cold calling, lead generation and exceptional service.
- Contacted customers about account or information issues, alerting clients of changes for excellent customer service.
- Individualized client marketing programs to meet each customer's unique needs while focusing on digital marketing and social media.
- Updated account plans based on changing markets, customer conditions and competitor activity.
- Made actionable and insightful recommendations for new products, extensions or enhancements.
Customer Service Representative
Apple India
Chandigarh
08.2018 - 07.2019
- Assessed customer needs and upsold products and services to maximize sales.
- Reviewed account and service histories to identify trends and issues.
- De-escalated problematic customer concerns, maintaining calm, friendly demeanor.
- Created and implemented process improvements to reduce workloads and bolster callback efficiency.
- Informed customers about billing procedures, processed payments and provided payment option setup assistance.
Business Development Manager
Altruist Technologies
Panchkula
07.2016 - 08.2018
- Generated leads and capitalized on valuable business opportunities to bring in new company revenue and improve bottom line profit.
- Increased sales from 1% to 8% in Digital Marketing projects.
- Leveraged cold calling, in-person visits and referrals to bring in 4 leads per week.
- Created effective marketing, sales and other promotional initiatives.
- Led staff on development of products and promotions, sales analysis and creative services.
- Designed, managed and maintained company website by writing content, directing video designs and designing email, HTML and in-text email promotions.
- Created and implemented marketing campaigns and directory services to help clients capitalize on new media and Internet advertising opportunities.
Education
Business Management PGDM Certificate - Business Management
Fanshawe College
London,ON12.2020
Bachelor of Commerce - Business
Punjabi University
Patiala2016
Skills
- Financial markets
- Financial services
- Customer relationship building
- Account maintenance
- Account documentation
- High-energy attitude
- Problem-solving abilities
- Customer relations
- Sales assistance
- Technology knowledge
- Problem resolution
Affiliations
- Volunteer IELTS Teacher for 5 months in 2018
- Volunteer in many United Way food campaigns
- Preparing for Canadian Investment Funds Course - IFIC
Accomplishments
- Awarded “Employee of the Year” in 2017.
- Promoted from Business Executive to Business Development Manager, in less than 12-months.
- Dean Honor Roll in 3 of my 4 Semester in my Post Graduation
- Recipient of Quarterly Momentum Award for Q1 2023 with Cibc
- Recipient of multiple teams on purpose awards with Cibc
Timeline
Financial Services Representative
CIBC Bank
05.2022 - 02.2024
Insurance Advisor
TD Insurance
03.2022 - 05.2022
Financial Services Representative
CIBC Bank
12.2021 - 03.2022
Telesales Representative/Technical Support Representative
S&P Data
08.2021 - 12.2021
Mobile and Smart Living Consultant
Besy Buy
10.2020 - 12.2020
Customer Solutions Specialist
Rogers
09.2019 - 10.2020
Account Executive
Finxera
08.2018 - 07.2019
Customer Service Representative
Apple India
08.2018 - 07.2019
Business Development Manager
Altruist Technologies
07.2016 - 08.2018
Business Management PGDM Certificate - Business Management
Fanshawe College
Bachelor of Commerce - Business
Punjabi University
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