Sasikumar Dharmaraj

Experienced banking professional with 17+ years of experience in India and UAE, specializing in CASA liabilities, payroll accounts, personal loans, credit cards, and customer service. Strong knowledge of KYC documentation and regulatory compliance with a proven ability to achieve targets and deliver excellent customer experience. Skilled in relationship management, cross-selling, and working in a performance-driven environment.

Personal Banking Ambassador (Multiple Products) - Abu Dhabi Commercial Bank - Dubai, UAE

(2023-04 - 2026-01)

• Managed relationships with payroll companies to enhance employee satisfaction and strengthen payroll account portfolios.
• Addressed customer financial needs, including credit cards and personal banking solutions, ensuring high levels of service quality and satisfaction.
• Developed and maintained strong client relationships to support business growth and secure long-term engagement.
• Managed savings, corporate, and trust accounts to ensure secure and efficient financial operations.
• Collected and analyzed open market data to support strategic decision-making and competitive positioning.
• Consistently achieved monthly sales and service targets, contributing to organizational performance.
• Handled customer interactions effectively, including resolving difficult situations professionally.
• Ensured punctuality and readiness to meet daily operational responsibilities.
• Built strong networks, enhanced diplomatic presence in host country.
• Understood personal and team targets and planned tasks to achieve deadlines.

Senior Relationship Officer (Credit Cards & PIL) - Citi Bank - Dubai, UAE

(2021-08 - 2023-03)

• Conducted sales analysis and market research to identify market trends and competitor activities, providing insights to strengthen sales and marketing strategies.
• Delivered professional advice on credit cards and personal loan products to customers, ensuring effective conversion of business opportunities.
• Built strong customer relationships and provided tailored financial solutions to meet client needs and improve satisfaction.
• Maintained high standards of personal conduct, contributing to a positive and productive work environment.

Retail Banking Executive (Credit Cards & PIL) - Emirates NBD - Dubai, UAE

(2018-03 - 2021-08)

• Developed and maintained strong industry partnerships to support business growth and revenue generation.
• Managed financial performance activities, ensuring fiscal discipline and contributing to profitability improvement.
• Built and maintained key relationships with stakeholders to support long-term business objectives.
• Delivered tailored credit card and personal loan solutions to customers based on financial needs.
• Ensured high levels of customer satisfaction through effective service and timely resolution of queries.
• Oversaw financial management activities, ensuring fiscal responsibility and contributing to profitability.
• Built and maintained strong relationships with key stakeholders, supporting long-term business growth.
• Facilitated effective communication between departments to improve coordination and operational efficiency.
• Handled sensitive customer and financial information with high levels of discretion and professionalism.
• Responded promptly to customer needs and operational requirements, following established banking protocols.

Relationship Officer (Credit Cards & PIL) - RAK Bank - Dubai, UAE

(2014-08 - 2018-02)

• Oversaw financial management activities, ensuring fiscal responsibility and contributing to profitability.
• Built and maintained strong relationships with key stakeholders, supporting long-term business growth.
• Facilitated effective communication between departments to improve coordination and operational efficiency.
• Handled sensitive customer and financial information with high levels of discretion and professionalism.
• Responded promptly to customer needs and operational requirements, following established banking protocols.

Relationship Officer (Credit Cards) - AMERICA EXPRESS - Chennai, India

(2013-12 - 2014-08)

Managed sales of American Express credit cards by targeting corporate organizations such as Wipro, TCS, HCL, Cognizant, and other leading multinational companies.

• Developed and maintained strong corporate relationships to drive card acquisition and business growth.
• Conducted client presentations and employee engagement activities to promote corporate card benefits.
• Identified potential business opportunities within large corporate accounts to increase portfolio penetration.
• Achieved sales targets through strategic networking and relationship building within corporate sectors.

Client Relationship Partner - CASA liabilities - Yes Bank - Chennai, India

(2012-07 - 2013-11)

• Managed and grew CASA (Current & Savings Account) portfolio, focusing on liability generation and balance growth
• Handled HNI clients, driving high-value fund inflows and maintaining long-term relationships
• Delivered personalized relationship management, ensuring high customer satisfaction and retention
• Provided end-to-end banking services, including account opening, KYC compliance, and query resolution
• Cross-sold financial products such as fixed deposits, insurance, personal loans, and credit cards

Senior Business Development Executive - ING VYSYA BANK - Chennai, India

(2011-09 - 2012-06)

• Managed CASA (Current and Savings Accounts) and liability products, ensuring strong portfolio performance.
• Improved team efficiency through training support and knowledge sharing.
• Handled conflict resolution and customer issues effectively, maintaining service standards.
• Ensured compliance with banking policies and procedures in all operations.
• Delivered consistent customer service and maintained strong client relationships.

Business Development Executive - Retail Banking - Axis Bank - Chennai, India

(2009-07 - 2011-06)

• Managed CASA (Current and Savings Accounts) and liability products, ensuring strong portfolio performance.
• Improved team efficiency through training support and knowledge sharing.
• Handled conflict resolution and customer issues effectively, maintaining service standards.
• Ensured compliance with banking policies and procedures in all operations.
• Delivered consistent customer service and maintained strong client relationships.

MBA - Marketing & HR - Madras University (2012-01 - 2012-01)

BBA - Business Administration - APSA College (2007-04 - 2007-04)