87-42 144 Street, Briarwood, New York, NY 11435

Tel: (347) 213-6184; Email: dk709b1e@westpost.net

CAREER SUMMARY
Demonstrated competency and significant achievements in financial products (Cred
it, Trade Finance, Treasury, Fixed Income), sales, product, portfolio and franch
ise management. Good commercial approach in solving problems and developing bus
iness relationship in a fast moving and competitive environment. Strong networki
ng skills with ability to work autonomously while reacting and adapting quickly
to changing situations. Demonstration of strong business, financial analysis, le
adership and project handling skills. Multilingual Hindi, Urdu and Tagalog.
WORK EXPERIENCE
Standard Chartered Bank
Snr. Business Development Manager
10/2007 - 05/2010
Responsible for customer acquisition and retention, requiring a range of finan
cial services & products including Auto, Mortgage, Cards, Wealth Management, Dep
ository, Fixed Income, Treasury Products in the Cluster (covering 6 branches/loc
ations), SME (Trade Finance, Treasury and Working Capital Loans). Cross sale Ins
titutional/Corporate Banking and entire banking products. Actively participating
in product and business development programmes/campaigns (in/outside the countr
y). Generating and maximizing sales opportunities with every form of customer in
teraction. Responsible for direct supervision, coaching and providing close supp
ort to RMs, branch sales staff and Personal Financial Consultants.
* Successfully managed large portfolio of above USD 260M comprising of large spe
ctrum of products and diverse customer segments including HNIs, Development Orga
nizations (having principal offices in various overseas markets), SMEs. Achieved
annual growth of above 20% each year. .
* Received several accolades from CEO and Management for demonstration of excell
ent financial and relationship management performance. Received Great Managers R
ecognition from Group CEO (amongst 32 managers awarded worldwide)
* Lead several marketing campaigns and roadshows targeting individuals and organ
izations (including in overseas market like Brunei, Hong Kong, Singapore, Thaila
nd).
* Championed various sales and leadership trainings Sales Staff in Bank. Involve
d in hiring, training, engaging/motivating and appraising sales/service staff an
d tellers in the branch. Responsible for direct supervision of 10 RMs and ARMs i
n the cluster.
* Successfully conceptualized various customer focused products like Payroll Plu
s, Diva (Cards, Deposits), Kiddy Bank, Quick Cash Account and Access Accounts.
* Responsible to drive Corporate Social Responsibility and Community Activities
in branch location viz; Seeing is Believing Eye Camps, Greenery, Literacy Campai
gns and various agendas including D&I initiatives
* Dealt directly with customers on a one-to-one basis to identify and rectify pr
oblems.
* Successfully held responsibility of financial, credit, business analysis for c
redit applications, management reporting, presentation, KYC preparation & period
ic review, audit ratings, periodic update and testing of Business Continuity & C
risis Management Plan. Actively participated in budget and forecasting process.
* Successfully lead various process improvement and reengineering initiatives.
* Was member of Branch/Footprint Expansion and optimization project, Consumer Ba
nk portfolio management committee, Consumer Bank Business Operation Risk Group (
BORG), Consumer Bank Marketing Council, D&I Council and alternate member in ALCO
(representing business head).
* Successfully Lead key projects - Online Banking rollout (2008), 3DES (2009 VI
SA mandated projects of ATMs)
Standard Chartered Bank 04/2003 - 09/2007
Branch Manager
Responsible for overall administration of branch/ATMs, cost& revenue, appraise/c
oach/train/motivate and engage staff (total 39). Identify, market/sell consumer
banking products (auto, mortgage, cards, SMEs, deposit, Wealth Management and Tr
ansaction Banking). Generate cross sale and referrals for entire banking product
s. Approve loan and expenses within own discretion, prepare/monitor budget and i
mplement appropriate element of customer/recovery strategy while ensuring busine
ss meet regulatory/Group Compliance requirements. Reviewing and filling of regul
atory returns on required frequency.
Prepare Product Paper Guidelines and Departmental Operating Instructions for all
the products dealt by the branches. Prepare Project Approval Request, get it ap
proved and supervise the approved projects for timely completion.
* Successfully lead largest flagship branch with customer based of above 10K con
tributing around 15% revenue to the overall Consumer Bank's book; 20% NTB acquis
ition and new sales.
* Finalist in Global Best Branch Manager's Contest -2006
* Maintained track record of exceeding sale/revenue and cost budget by above 20%
each year.
* Successfully held responsibility of staff hiring, training, grooming and appra
ising.
* Successfully partnered with various levels of management to develop efficient
and effective corrective action plans and influence improvements in the systems
of internal control.
* Actively involved in budget, business analysis, forecasting and management pr
esentation
* Always maintained high standard of service delivery from the branches and main
tained above 95% ATMs uptime.
* Maintained strong track record of timely addressing customer issues/complaints
and processing of applications within agreed turnaround time (TAT).
* Demonstrated strong cash management and customer service skills.
* Ensured timely update of Business Continuity Plan, KYC Reviews and Regulatory
returns.
* Was member of KYC Project Team and D&I Council.

Standard Chartered Bank

Asst. Relationship Manager
(09/1999 - 01/2001, 09-2001 to 03/2003)
Responsible for marketing, financial/credit/business analysis, preparation of bu
siness credit memorandum, lending administration, and monitoring - develop and i
mplement appropriate monitoring strategies and strategies to increase share of w
allet/facility utilization for Retail and Corporate credit customers. Filling of
regulatory returns and preparation of budget/forecast and monthly variance anal
ysis of key performance indicators.
* Demonstrated strong skills in Credit, Financial Analysis and Customer Applicat
ion evaluation for lending products.
* Exceed budget numbers in sales through New to Bank (NTB) acquisition, retentio
n management, referrals/cross sales
* Received several accolades from Management for demonstrating excellent sales p
erformance and customer handling skills.
* Successfully trained DSAs and new ARMs in the branch.
* Actively involvement in preparation of Product Papers, Process Documents
* Partner with various levels of management to develop efficient and effective c
orrective action plans and influence improvements in the systems of internal con
trol.

EDUCATION
Master of Business Administration (MBA)
De La Salle University, Manila, Philippines
Bachelor of Science in Computer Science
Philippine Christian University, Manila, Philippines