1. M o h a m me d Kh a l i d Ir f a n
P h o n e : 0 0 9 7 1 5 5 9 0 7 3 6 9 9
E ma 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 Executive
Personal Clients Acquisition and Individual Contributor responsible for sourcing and offering personal finance.
Responsibilities
Personal Finance Offering -
Personal Loan, Islamic Personal Finance
Auto Loan - Islamic and Conventional
Salary or Payroll Account, Credit Cards
Current and Savings Account
Saadiq 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.

2.  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 Underwriter
Responsibilities
Production 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)

3. Company: The Royal Bank of Scotland, Dubai, UAE (Aug 2008 – July 2009)
Position: Customer Service Officer
Responsibilities
 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.

4. 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 Coding
Hardware & Software’s : Networking, Installation and maintenance, Troubleshooting,
Windows Server & Workstation
MS - 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