Joseph Daniel
Management Professional in Finance,Operations & Treasury
Chelmsford
Summary
Experienced professional with over 10 years of proven experience with a strong background in Operations, Finance, Forex, Treasury, and Customer Service. Proven track record of optimizing processes, improving efficiency, and achieving consistent growth. Skilled in leading diverse teams, enhancing financial performance, and spearheading strategic initiatives in fast-paced environments. Seeking to leverage expertise to drive organizational success and create long-term value.
Overview
11
11
years of professional experience
5
5
years of post-secondary education
2
2
Languages
Work History
Foreign Exchange Consultant
HAYS TRAVEL LIMITED
Colchester
03.2024 - 05.2024
- Established and maintained profitability of the Foreign Exchange Bureau, driving revenue growth.
- Consistently achieved Foreign Exchange sales targets, meeting and exceeding Key Performance Indicators (KPIs).
- Developed strong client relationships, fostering customer loyalty and repeat business.
- Collaborated with the branch team to promote foreign exchange services, contributing to the overall success of the business.
- Analyzed local market competition, adjusting exchange rates and managing margins to maximize profitability.
- Performed daily cash reconciliation, balancing till systems, and overseeing secure banking procedures.
- Ensured adherence to anti-money laundering (AML) and financial regulations, safeguarding the Bureau’s operations.
- Delivered exceptional customer service, providing tailored currency advice and resolving customer queries efficiently.
- Supported day-to-day operations by ensuring smooth functioning of the Bureau, including stock level monitoring and cash management.
Operations Incharge-Operations Department
MODERN EXCHANGE CO LLC
Muscat
02.2013 - 09.2023
- Established strategic & commercial partnerships with various Banks and Financial institutions across the globe for Remittance arrangements in order to acquire additional business and revenue for the company.
- Managed treasury operations of the company in effecting the funding activities with all the correspondent banks and Partners of the company. Effective management of the Treasury helped to show a positive graph in Exchange Income earnings of the company
- Developed effective training programs for 40 Branch Managers and 150 + employees on Financial Products, services and Internal control of the Company.
- Collaborated the daily cash/bank deposit process of Company's 40 branches to ensure that Company's daily cash collections are being deposited in the Corporate account on time and thereby achieving cash in transit to 0 -Risk.
- Preparation of reconciliations reports of various Foreign and Local Banks of different accounts maintained by the company to 100% accuracy and the submission of the same to external auditors 5 days ahead of the deadline.
- Revamped and liaised the API Integration of Company's major 25 correspondent banks with various stakeholders in establishing API Connectivity thereby increasing the TAT of a financial transactions to more than 90%.
- Planned, supervised and coordinated the daily activities of 5 Executive staffs working under the Operations Department.
- Played a vital role in implementing Online based remittance facility for the company's customers by launching in-house mobile APP as a One Stop shop for Remittance solutions by partnering with 4 leading banks/Payment Gateway and thereby increasing Online Business of the Company by more than 50%.
- Collaborated with the Compliance team to implement and maintain strict adherence to regulatory standards, resulting in 25% reduction in compliance-related issues.
- Reviewed constantly the customer feedback and then suggested ways to improve the TAT of the products which increased customer's satisfaction rate from 62% to 75%.
Education
MBA - Berchmans Institute Of Management Studies (BIMS)
Master of Business Administration in Finance
Kerala, India 04.2010 - 09.2012
Saintgits College of Applied Sciences(SCAS)
B.com-Bachelor of Commerce
Kerala,India 03.2006 - 03.2009
Skills
Operations Management
Treasury and Forex Operations Management
Effective multilingual communication
Team Leadership
Customer Relationship Management
Market Research and Analysis
Sales Negotiation and Persuasion
Customer acquisition and retention
Interpersonal Skills
Client Onboarding and Account Management
Proficient in forex trading
Regulatory compliance expertise
Awards
- First prize in finance game of management fest held at FISAT (Federal Institute of Science and Technology) College, Kerala, India.
- Won second prize at the Kerala state level of business quiz conducted by NIPM (National Institute of Personal Management).
- Best Employee award for Operations & Treasury at Modern Exchange Co LLC,Muscat,Oman.
Timeline
Foreign Exchange Consultant
HAYS TRAVEL LIMITED
03.2024 - 05.2024
Operations Incharge-Operations Department
MODERN EXCHANGE CO LLC
02.2013 - 09.2023
MBA - Berchmans Institute Of Management Studies (BIMS)
Master of Business Administration in Finance
04.2010 - 09.2012
Saintgits College of Applied Sciences(SCAS)
B.com-Bachelor of Commerce
03.2006 - 03.2009