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FRANCIS ROY
+ 9 7 1 5 0 6 9 5 4 4 3 1
Francisroy.r@gmail.com
In quest of assignments and challenges in Business Development/ Client Servicing/ Portfolio Management/
Team Management or Operations with an organisation of repute.
Vision to excel in my personal & professional goals, to be an asset for my organization & person of value in the
organization chart.
EXECUTIVE SUMMARY
 A Business & Finance Graduate with 18+ years of rich experience in the areas of Business Development, branch
operations, Marketing, Client Servicing and corporate client relationship, in the banking sector.
 Last position with Dubai Bank as a Asst. Branch Manager & Operations Supervisor - JAFZA Branch
 Exposure in sales & marketing a wide range of banking products and achieving business targets.
 Proficient in managing sales operations & building relationship with clients & achieving desired goals.
 Possess excellent interpersonal communication, relationship management, team building skills with dexterity in
mentoring and managing teams. negotiation, convincing and debt recovery skills.
 Large Data base of HNW clients with a total portfolio size of AED 500+ million. HNW personal contacts,
 Conventional & Islamic Banking Professional with Corporate banking Exposure & experience .
 Multi skilled & Multi tasking professional with wide experience in business management & administration Target
market listing of numerous companies for bank products
 Training of new employees ( Citibank & Dubai Bank – Product policies, procedures, Bank systems & Functions)
 Handled Supervisory functions of the branch in the absence of Branch manager
 Best Sales Executive Award 2002 – Loans, Citibank N.A, Dubai, U.A.E
 Approx 400+ Personal Installment Loan sales achieved, Citibank N.A, Dubai.
 50 million investment leads from personal contact, Citibank N.A & Dubai Bank
 Individual sales contribution of 300+ Personal loans with average Loan size of 60,000/- since Nov 2004, Dubai
Bank, Dubai.
 Actively increased branch walk- in, based on superior customer service and relationships
 Unassigned roles and responsibilities taken and executed effectively on self imitative
 Experience in business consultancy, planning and budgeting, project management, Procurement
 Exposure in Managing private real estate portfolio
 Numerous Customer Compliments and appreciation letters.
 Demonstrated superior ability and skills in being organized, hard work, team playing, logical reasoning,
productiveness in all assignments.

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AREAS OF EXPOSURE/ KEY COMPETENCIES
Business Development
 Identifying prospective business, establishing strategic partnership and alliances, generating business from the
existing accounts and achieving profitability and increased sales growth.
 Exploring potential business avenues to penetrate new accounts and expand existing clientele; responsible for
mobilization of funds.
 Ensuring that the branch/ department is a profit making centre for the bank
 Executing the sales and marketing initiatives to achieve designated targets
Client Servicing
 Identifying prospective clients, generating business from the existing clientele, thereby achieving business targets.
 Interacting with the clients on a regular basis & providing the right banking solutions for their problems & resolving
all their queries & complaints.
 Mapping client’s requirements and providing them expert advisory services pertaining to selection of right banking
products.
 Ensuring customer service & quality standards are in line with the vision of the bank.
Portfolio Management
 Analysing the financial capabilities of clients for providing them apt investment or borrowing solutions, ensuring that
the solutions provided carry the minimum investment risk for customer and Company.
 Providing advisory services to clients, based on their wealth portfolio & current market trends and ensuring
retention at all levels.
 Large database of HNW retail & corporate customers from 12+yrs in the industry
Team Management/Managerial
 Leading, managing & monitoring the performance of employees to ensure efficiency in business operations and
meeting of revenue and collection targets.
 Imparting training to the executives & bank employees for better productivity.
 Conducting meetings for setting up sales objectives, customer service and designing or streamlining processes to
ensure smooth functioning of sales operations.
 Staff Performance Management & appraisal
Operations
 Assisting the branch manager to plan, direct, control sales and services of the branch
 Authorizations & approvals of all financial transactions relating to consumer and corporate customers
 Maintaining and Enhancing operational standards to safeguard the bank from potential loss
 Authorized signatory “A” for all MC/DD & Bank letters
 Checking, verification and approval all branch accounts, retail & corporate files, teller transactions
 ATM/CDM management, Cost control & Branch Administration
WORK EXPERIENCE
MAR'12 - Till Date - Self employed at Safeware General Trading LLC , Dubai, UAE
 Managing Imports, Exports and re -export of wholesale garments and electronics
 Management of family real estate business consisting of building, villas, agriculture and home stay facilities in India.
OCT’03 – Till Feb.'12 with Dubai Bank, Dubai, UAE
AS Asst. Branch Manager & operations Supervisor - JAFZA Branch
 Managing the daily sales, service and operations of the branch
 Consistently achieving and overachieving targets to ensure the branch is a profit centre
 Managing and strengthening existing relationships and acquire new to bank relationships.
 Monitoring & motivating staff to achieve set targets and performance assigned.

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Notable Accomplishments:
 Consistent performer of assigned targets & goals.
 Consistent appreciation from management for being one of the best staff
 Recognised for initiating many cost cutting, process enhancing and revenue generating idea
 100% staff satisfaction and retention
AUG’00 – SEP‘03 Citibank ,Dubai, UAE
As Sr. Sales officer
As Credit Analyst , As Payroll Analyst, MIS analyst - Additional Assignments
 Direct sales, marketing and service of Salary transfer loans and Easy loans
 Sales coordination of personal loans and Easy loans depts.
 Daily MIS reports on sales, revenue and retention for Personal loan Dept
Notable Accomplishments:
 Was awarded for best sales person of the year in 2002
 Recognised for business report on corporate pay roll accounts
OCT ‘96 –Jul ‘00 Obaid Al Sheikh Eng & Cont. Co ,Dubai, UAE
As Administrator
 Site supervision and material arrangement, office documentation and day-to-day correspondence. Preparation of
quotations & invoice, Labour supervision
 Logistics & accommodation arrangements of staff
EDUCATION
 BTEC in Business & Finance from Brighton University of technology, UK in 1996
 Diploma in computer applications from Emirates computer Institute, Dubai, UAE in 1994
PROFESSONAL CERTIFICATIONS/ TRAININGS
 Office Practice Course, BAC, Dubai. - 1993
 Operating Systems, Software Applications, BAC, Dubai. - 1994
 Sales & service Workshops, Dubai bank, Dubai. - 2005
 Anti-Money Laundering -2days, Dubai. - 2005
 Measuring Operational Risks, EBIFS, Shj, U.A.E (Dr. Pandy) - 2006
 Corporate Banking, EBIFS, Shj, U.A.E ( Dr. Ather) - 2007
 Investment banking, EBIFS, ,Shj, U.A.E. - 2007
 Islamic Banking Principles, EBIFS, Shj, U.A.E. - 2008
 Islamic banking Products and Policies, Dubai bank, Dubai. - 2007
 Ron Kaufmann – Up your service course leader certificate. - 2011
PERSONAL INFO
Nationality : India
Driving Licence : Valid UAE Driving Licence
Date of Birth : 16
th
November, 1974
Visa : Resident since 1982
Interests : Sports, Music, Yoga & meditation, Alternative, natural and herbal living , Cinema
References : Can be Furnished on request