M o h a m m e d K h a l i d I r f a n - ( Q u a l i fi c a t i o n M B A & B C A )P h o n e : 0 0 9 7 1 5 5 9 0 7 3 6 9 9E m a i l : i r f a n 5 5 5 i n @ y a h o o . c o mD r i v i n g L i c e n s e – U A E L M V

OBJECTIVE

To obtain a position that allows me to utilize my skills and knowledge to the maximum and move ahead to reach greater heights with my hard work. Years of combined experience in Administration, Business Operations, Accounting, Customer Service, Sales Support Services, Insurance Underwriting, Finance & Banking, which gives an opportunity to enrich my present professional stature and apply the same for organizational development.

AREAS OF EXPERTIES

Strong Organizational skills Conflict Resolution Complex Problem Resolution Client Acquisition Excellent Communicator Business Development Sales Process Management Detail-oriented Client Relations Expert Strategic Planning Accounts Management Complaint Handling &

Resolution Finance/Insurance Processing Cash Management Processes

Development

WORK HIST0RY

Company: Standard Chartered Bank, Dubai UAE (Jan 2016 – Nov 2016)Position: Business Development ExecutiveClients Acquisition and Individual Contributor Responsible for Sourcing and Acquiring Personal Finance Clients.ResponsibilitiesPersonal Finance Acquisition - Payroll Account, Personal Loan, Islamic Personal Finance, Auto Loan - Islamic and Conventional, Credit Cards, Current and Savings Account, Saadiq Accounts (Islamic CASA).

Provide financial services to High Net Worth and Regular customers exceeding expectations by delivering competent, timely and efficient services.

Deliver services to the customers and ensure compliance with procedures and regulations. Provide high service level experience to all customers. Deal and resolve customer complaint resolution, efficiently and in a timely manner. Cross-sell Bank’s products and obtain leads and references for fresh customer acquisition.

Company: Dell International Services at Hyderabad India (Feb 2012 – Aug 2015)Position: Sales Support Associate (Customer Service, Inside Sales & Finance)Dell Sales Consultant and Individual Contributor responsible for selling and finance Dell Enterprise Products and Services to North America Small & Medium Business and Home Consumers via web, chat, email and telephone. Responsibilities Focus on passionate delivery of a positive and rewarding customer experience according to

Dell standards. Advice customers on financing their purchases through Dell Financial Services. Perform credit check and advise customers on finance applications. Advice & Coordinate with customers on documents required for finance approval. Create Financing accounts and maintain accounts receivable of business credit. Increase line of business penetration and Works effectively in a team environment. Cooperates and collaborates with colleagues, cross-functionally, to support finance & sales

process.

Demonstrates good judgment in analyzing information to make routine decisions. Identifying, targeting, qualifying and closing new business opportunities. Receive in-bound sales calls and efficiently closing the sale, all effectively utilizing job tools

and work with necessary resources to meet sales objectives. Maintaining and expanding business relationship with existing customers. Able to identify how Dell Technology products and services align to customer needs. Articulate

how business models relate to selling Dell products and services. Responsible for Selling Dell Enterprise machines including Servers, Desktops, Client Towers,

Laptops. Sell products and services including Dell Tablets, Printers, Monitors, Service Contracts, Software & Computer accessories also branded electronics like HDTV, 3D Screens, LED, LCD and Cameras.

Company: Oman Insurance Company, Dubai, UAE (Aug 2009 - Oct 2011)Position: Bancassurance Coordinator / UnderwriterResponsibilitiesProduction and Underwriting Underwrite motor policies; new and renewal premium in the region on assigned banks and

producers. Responsible for underwriting and pricing accounts in accordance with underwriting standards. Making checks on applicants of insurance policies to see if they are high risk or not. Asses applicants details to determine if we can offer them an insurance policy and at what

rate that insurance is most likely to be profitable. Day-to-day role involves making decision on applications, review given information and

contact external professionals if required and make a decision on the applicant. Sales and Customer Service Attend customers at branch and issue motor policies. Coordinate with banks, clients and

customers as per Bancassurance sales process. Responsible for several business producers and banks. Primary point of contact for business

prospects producers, banks and agency personnel. Responsible for selling motor policies, customer service, attend customer at the branch

answer their quarries, attend customer calls and client coordination. Responsible for monitoring production, loss ratios, renewal retention ratios, spread of risk and

other production and quality measures.Market Research/Intelligence Gathers market data for new markets, products or segments and works with Unit Leader to

identify new production opportunities and track competitor activity. Gathers information and reports for team briefings and market updates for the underwriting

personnel. Mentor less experienced team members on market conditions, competitors, relationship

management.Accounting & Cash Management Handle daily cash customers Balance daily totals to system and prepare bank deposits. Bank reconciliation of branch account and assist book keeper when needed. Perform bank reconciliation, credit statements, reconciliation and other G & L account reconciliation.

Financial statement, bank deposit, invoices. Assist Accounts Manager in accurately complete monthly closing. Collect and audit invoices and other documents, process and scan them into paperless review system

daily. Meet all file documentation standards, complies with underwriting and authority level

standards and pass all audits (both internal and external)

Company: The Royal Bank of Scotland, Dubai, UAE (Aug 2008 – July 2009)Position: Customer Service OfficerResponsibilities Receive in-bound calls from customers and provide service on their credit card & bank

accounts while maintaining established standards Answer calls & perform customer transactions accurately and in an efficient manner. Provide high quality customer service by answering customer inquiries efficiently and politely

with correct and complete information and redirect them where appropriate. Identify and maximize selling and cross-selling opportunities to generate sales leads through

CRMS. Add-up business revenue by up-selling and cross selling to existing customers. Perform correct maintenance and set-up of customer’s accounts. Update contact history of existing Customer in case of any complaints follow up Customer

calls. Identify customer problems and offer appropriate solutions. Take customer complaints to be forwarded to the corresponding departments and branches

for follow up according to the set procedures. Handle customer complaints to the satisfaction of the customer within the defined authority

limits and escalate more complex complaints where appropriate. Provide technical & non-technical support for Internet Banking customer. Continuous learning to keep up-to-date with changes and developments of products, services

and procedures. Maintain a professional, friendly work environment by encouraging team spirit and mutual co-

operation. Maintain excellent communication links with branches and other department’s staff and work

in full co-operation with all of them to provide the highest level of customer service. Actively participate in providing ideas to improve products, procedures and work environment

using proper available channels.

Company: GE Money, Hyderabad, India (Sep 2005 - Aug 2008)Position: Customer Service Executive (Process Associate)Responsibilities Receive in-bound calls from customers and provide service on their credit card accounts while

maintaining established standards for number of calls, pick-up time, duration and quality of call. It was a US based process and customers were exclusively from USA.

Perform customer transactions accurately and in an efficient manner, correct maintenance and set-up of customer’s accounts, identify customer problems and offer appropriate solutions.

Provide high quality customer service by answering customer enquiries efficiently and politely with correct & complete information and redirect them where appropriate.

Identify and maximize selling and cross-selling opportunities to generate sales leads through CRMS.

Add-up business revenue by up-selling and cross selling to existing customers. Update contact history of existing Customer in case of any complaints and follow up the

Customer calls. Take customer complaints to be forwarded to the corresponding departments and branches

for follow up according to the set procedures. Handle customer complaints to the satisfaction of the customer within the defined authority

limits and escalate more complex complaints where appropriate.

Provide technical & non-technical support for Internet Banking customer. Continuous learning to keep up-to-date with changes and developments of products, services

and procedures. Maintain a professional, friendly work environment by encouraging team spirit and mutual co-

operation.

ACADEMIC QUALIFICATION

Masters of Business Administration in Finance & Marketing, from Osmania University, Hyderabad, India

Bachelor of Computers Applications from Osmania University, Hyderabad, India

TECHNICAL SKILLS

Computers : Proficient with computers, Internet, Popular software applicationMS - Office : Microsoft Word, Excel, Power Point & Access

PERSONAL DETAIL

Date of Birth : 19th Aug 1980 Nationality : Indian Driving License : Valid UAE Driving License Marital Status : Married Languages Known : English, Hindi & Urdu Visa Status : Employment Visa