Mohd Yousuf Khan

About

I am writing to express my interest in Senior Relationship Officer, Relationship Manager, or Retail Banking opportunities within your organization. With over 11 years of professional experience in the UAE banking sector, I have developed strong expertise in retail banking, relationship management, personal finance, Islamic and conventional lending, credit cards, CASA products, customer acquisition, and business development. Currently, I am working as a Senior Sales Officer with Emirates Islamic Bank in Dubai, where I manage the acquisition of individual customers for Islamic personal finance, credit cards, and banking facilities. I handle the complete sales cycle, including prospecting, customer profiling, needs analysis, documentation, application submission, onboarding, and relationship development. My role also involves identifying cross-selling opportunities, conducting due diligence, maintaining service standards, and working toward revenue and business targets.

Experience

• Senior sales officer
  Emitates Islamic bank · Dubai UAE
  Apr 2022 – Present

  Manage acquisition of individual customers for Islamic personal finance (STL), credit cards and banking facilities across UAE expatriate and national segments. • Manage the full sales cycle from prospecting and needs analysis through documentation, application submission, onboarding and closure. • Build and maintain relationships with prospective and existing customers to generate new business and maximize cross-selling opportunities.

• Sales officer
  Citi bank UAE · Dubai UAE
  Jun 2021 – Mar 2022

  Managed sales of personal cash loans and credit cards to individual customers in the UAE. • Handled pre-sales and post-sales customer service and completed loan contracts by explaining provisions, obtaining signatures and verifying original documents. • Profiled customers and recommended suitable personal finance products and credit cards based on customer requirements. • Performed due diligence and financial background checks before onboarding while maintaining customer confidentiality.

• Relationship officer
  First Abu Dhabi bank UAE · Dubai UAE
  Mar 2020 – Aug 2020

  Sold personal loans, credit cards and CASA retail banking facilities to UAE customers. • Managed pre- and post-sales service, loan documentation, customer profiling and due diligence. • Generated prospects through cold calling, customer meetings and company visits. • Managed liability settlements (buyouts), liability consolidation, credit-card cross-selling and account opening. • Built relationships with new and existing customers and handled customer complaints professionally.

• Relationship officer
  National Bank of Ras Al Khaimah · Dubai UAE
  Feb 2015 – Mar 2020

  Managed sales of Islamic and conventional personal loans (STL), credit cards and banking facilities to individual UAE customers. • Managed the sales process from initial prospect contact through application completion and closure. • Developed relationships with prospective and existing customers to generate new business within assigned markets. • Visited companies, identified prospects and developed company listings for personal loans and credit cards. • Ensured customer applications and supporting documents were complete and error-free.

Education

• MBA Financial Management
  Punjab technical university · Panjab University
  Finance and Marketing · Sep 2008 – Apr 2011
• Bachelor
  Amar Singh college · University of Kashmir
  Science · Mar 2004 – Jun 2008

Skills

• Market Analysis 10+ years
• Sales Strategy 8 to 10 years
• Customer Onboarding 8 to 10 years
• Sales Target Achievement 8 to 10 years
• Customer due diligence 8 to 10 years
• Credit Card Sales 8 to 10 years

Tools / apps / platforms

• Adobe Photoshop 5 to 8 years
• Microsoft Dynamics CRM 2 to 5 years
• Microsoft Excel 8 to 10 years
• Microsoft Teams 5 to 8 years