M o h a m m e d K h a l i d I r f a nP 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 m

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 Banking, Finance, Insurance Underwriting, Customer Service, Operations, Administration, Accounting, Sales & Marketing which gives an opportunity to enrich my present professional stature and apply the same for organizational development. I strive for continuous growth and believe in performance, accomplishments and achievements.

AREAS OF EXPERTIES

Banking Operations Conflict Resolution Complex Problem Resolution Phone Banking Strategic Planning Business Development

Transactional Banking Excellent Communicator Marketing Materials Development Strong Organizational Skills Detail-oriented Human Resources Insurance Underwriting Client Relations Expert Relationships

Management Claims File Management Credit and Risk Analysis Complaint Handling and

Resolution

WORK HIST0RY

Company: Standard Chartered Bank, Dubai UAE (Jan 2016 – Till Date)Position: Business Development ExecutivePersonal Clients Acquisition and Individual Contributor responsible for sourcing and offering personal finance.ResponsibilitiesPersonal Finance Offering -Personal Loan, Islamic Personal FinanceAuto Loan - Islamic and ConventionalSalary or Payroll Account, Credit CardsCurrent and Savings AccountSaadiq Accounts (Islamic Current and Savings Account)

Company: Dell International Services at Hyderabad India (Feb 2012 – Aug 2015)Position: Sales Support Associate (Customer Service, 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 End-User Customers 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, qualifying, targeting and closing new business opportunities Receive in-bound sales calls and efficiently closing the sale, all must effectively utilize tools

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

technical, industry and market facts to position Dell as a competitive solution. Responsible for Selling Dell Enterprise machines including Servers, Client Towers, Dell

Desktops, Laptops, Network Components, 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 / Insurance 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. Attend customers at branch; coordinate with banks, clients and customers as per

Bancassurance process. 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. Use historical data as well as situation-specific data to make decisions, use computer

programs that assist with computing the risk. 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 higher management on invoices matching, coding and filing. Assist Accounts Manager in accurately complete monthly closing. Collect and audit invoices and other documents, process and scan them into paperless review system

daily. Perform varied accounting projects as necessary.Sales and Customer Service Responsible for several business producers and banks. Primary point of contact for business

prospects producers, bank and agency personnel. Responsible for monitoring production, loss ratios, renewal retention ratios, spread of risk and

other production and quality measures. Responsible for customer service, attend customer at the branch answer their quarries, attend

customer calls and client coordination.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.

Provide informal and formal underwriting training as required. Mentor less experienced underwriting personnel on market conditions, competitors,

relationship management.Documentation/Underwriting Standards 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 and follow up the

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. Actively participate in providing ideas to improve products, procedures and work environment

using proper available channels.

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

Application : Oracle, HTML CodingHardware & Software’s : Networking, Installation and maintenance, Troubleshooting, Windows Server & WorkstationMS - Office : Microsoft Word, Excel, PowerPoint & 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