Retail & SME Banking Sales · UAE

Karthik Naidu

Over a decade of retail and SME banking sales in the UAE with Emirates National Bank of Dubai, Abu Dhabi Commercial Bank, Commercial Bank of Dubai and Finance House. Sold business loans, credit cards, overdrafts, salary transfer loans and payroll accounts to high-net-worth individuals, SMEs and corporate clients, consistently meeting monthly multi-product targets through new acquisition and cross-selling.

Open to banking sales and relationship roles in Dubai, backed by 20+ years of sales across the UAE and India.

10+Years in UAE banking & finance
4UAE banks & finance houses
20+Years in sales overall
20+Sales team members led
01

Profile

Target-driven banking sales professional with over a decade in UAE retail and SME banking, selling loans, cards and account products to high-value individuals, business owners and corporate clients.

Since returning to India, has led a 20+ member insurance sales team, handled customer support operations at Reliance and currently works in freight pricing, strengthening negotiation, customer service and reporting skills. Speaks English, Hindi, Marathi and Tamil, and holds a valid UAE driving licence.

  • Sold SME business loans, capex, rent and goods finance, business credit cards, overdrafts and labour guarantees
  • Opened privilege accounts for high-net-worth individuals and brought new corporate payroll to the bank
  • Met monthly multi-product targets through acquisition, cross-selling and walk-in conversion
  • Handled credit queries for approval and disbursement while maintaining SME portfolio quality and compliance
  • Supported team leaders in recruiting, onboarding and training new sales staff
02

Skills

Banking & finance

Retail banking sales SME business loans Credit cards Overdraft facilities Salary transfer & personal loans Corporate payroll acquisition HNI & privilege accounts Cross-selling Capex, rent & goods finance Labour guarantees Credit query handling Disbursement follow-up SME portfolio quality Compliance & audit Lead generation & referrals Corporate client relationships

Sales, service & operations

Customer relationship management Complaint resolution Email & voice support Team building & management Incentive planning Rate negotiation Freight pricing MIS reporting

Strengths

PersuasionNegotiationClosing skills Problem solvingDecision makingCollaboration Result-oriented

Languages

EnglishHindiMarathiTamil
03

Experience

UAE Banking & Finance 2007 – 2018

Other Experience · India 2003 – 2006, 2018 – present

04

Education & details

Education

Bachelor's Degree in CommerceMumbai University
Diploma in Computer Applications

Personal

Preferred location
Dubai, UAE
Date of birth
27 December 1979
Languages
English, Hindi, Marathi, Tamil
Driving licence
Valid UAE & Indian

Let's talk banking.

Open to retail, SME and relationship banking sales roles in Dubai.