NOUFAL

VARAMANGALATH
Curriculum Vitae

BUSINESS DEVELOPMENT & RETAIL

BANKING
PROFESSIONAL
LinkedIn:
ae.linkedin.com/pub/naufalvaramangalath/5/893/568
Contact Number:
+971 50 9032308 | +971 56 2123224
Skype:
NAWPHAL V

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NOUFAL VARAMANGALATH

Email: naufalve@gmail.com Mob: +971 50 9032308 | +971 56 2123224

BUSINESS DEVELOPMENT | RELATIONSHIP MANAGEMENT | BANKING OPERATIONS
CARDS ACQUIRING BUSINESS & STRATEGIC ALLIANCE- PAYMENTS
Profile: Detailed and highly numerate professional with widespread relationship
management, portfolio and key account management skills within the banking environment.
Providing exceptional levels of customer service, managing Card Acquiring Business and
increasing sales by braking new milestones consistently

PROFILE SYNOPSIS
Performance-driven, insightful Corporate Banking (retail banking) Relationship Manager
with over 8 Years of experience and proven ability to achieve and exceed all revenue and
business-development goals in high-pressure environments.
Adept in conceptualizing & implementing competitive strategies for marketing of retail
products and expanding market share, towards the achievement of revenue & profitability
targets. Experience in building lasting business relationships, designing winning sales
strategies and driving teams to reach targets.
Proven leadership and team-building skills, with the ability to coordinate multiple projects
and meet deadlines under pressure, equally effective working in self-managed projects or
as a team member and able to manage customer relationships and providing banking
services.

CORE COMPETENCIES
Busienss
Developm
ent &
Revenue
Enhance
ment

Portfolio
Managem
ent /
Marketing

Key
Account
Managem
ent

Relations
hip
Managem
ent /
Strategic
Planning

Team
Managem
ent &
Leadershi
p

CAREER CONTOUR
Mashreq Bank, Dubai, UAE Since July 2008
Senior Relationship Manager (March 2012 Present)
Relationship Manager (Sept 2009 March 2012)
Assistant Relationship manager (July 2008 Sep 2009
Technical Business Management System, Dubai, UAE
Senior Relationship Officer/Manager (April 2005 April 2008)
ICICI Bank (Bill Junction), Bangalore, India
Team Leader (Dec 2004 Feb 2005)
American Express, Chennai, India
Sales Executive (April 2004 Nov 2004)

DOMAIN SKILLS

Managing business development activities, accountable for the top-line profitability &
increasing sales of the banks products, services and coordinating with various key
accounts for giving complete solutions.

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Securing profitable business in selling; developing relations with key decision makers
especially in Jewellery segment for (cards acquiring business and strategic alliance)
business development. Noteworthy key clients include:

Al Tayer Group (having 180 stores across the region POS business turnover
2billion Plus), Chalhoub Group, Jackys Retail Group (Samsung), Joy Alukkas
Jewellery, Damas Group, Adidas, Kalyan Jewellery, Malabar Jewellery, Bhima
Jewellers, Lifestyle Arts

Provide thought leadership to business managers in strategizing and developing long

range resource development plans for cards acquiring partners relationship.

Establishing short term / long term budgets & corporate strategies for achievement of
business targets, in line with the approved business objective.

Overseeing the marketing operations, thereby achieving increased sales growth;

identifying streams for revenue growth & developing marketing plans to determine key
account and customer needs.

Spearheading negotiations & finalization of deals, signing of contracts and identifying

performance oriented alliances and key account tie ups.

Identifying primary thrust areas of business through market surveys and analysis.
Designing/implementing strategic business development measures to increase footfall
and card spends at outlets.

Ensure close touch with bank card operations/risk management/credit evaluation

team/legal, policy & compliance to reduce and protect chargeback/dispute losses to bank.

Achieving regional business development objectives by contributing in planning and

driving brands retail operations.

Accountable for maintaining and expanding customer base, building and maintaining
rapport with key customers and identifying new customer opportunities

Liaise with bank IT team & product managers (E-gateway/Invoice solution/MPOS-Mobile

pos/EFT (Electronic funds transfer) and DLL (Dynamic linked library) integrations) for
implementing latest technology.

Evaluating client feedback to suggest modifications and incorporating the same in

business strategy, thus effecting high levels of sales and achievement of company
objectives.

Liaise with various internal departments such as Authorizations, Charge-back, Fraud

Detection Unit and Settlement Departments on behalf of merchants to solve their queries
& issues.

Conceptualize & drive effective recruitment strategies to deliver on time, high quality &
cost effective output and increasing the efficiency of the recruitment lifecycle.

NOTEWORTHY ACHIEVEMENTS

Distinguished efforts in le in managing GITEX (Global information technology exhibition)

in 2008 that led to awarding of certificate

Recognized for outstanding efforts and Awarded Best Service Officer- Merchant Services
in the year 2008.

Diligently performed and Awarded Silver Star certification for outstanding performance
from the Head - Retail Banking (in the year 2009).

Instrumental role in efficiently handling Dubai cluster in the year 2009 that led to
becoming Best Area Representative

Perfumed exceedingly well across parameters and bagged the Best Relationship Manager
(in the year 2012).

Exemplary contribution in the Card Acquiring business relationship management team

and Awarded with Best Relationship Manager in 2013
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Widely appreciated by management for successfully Managing Jewellery segment as per

bank expectation (in the year 2014) and received Award

ACADEMIC CREDENTIALS
Master in Business Administration MBA (Systems & Marketing/ Advertising)
2001-2003
University of Madras - Asan memorial institute of Management Chennai, India
Bachelor of Science (BSc-Computer Science) 1997 2000
Bharathiar University - CMS College of Science and commerce Coimbatore, India

TRAINING ENGAGEMENTS
Relationship & Negotiation skills 2 days training program provided by Mashreq Learning
systems 2009
7 habits of highly effective people 2 days training program provided by Mashreq
Learning systems.
Effectiveness of Advertisements 1 week training program provided by Thomson
Television India- as a part of MBA final project. 2003
Acquiring profitability training (Provided by MasterCard) 2011

CERTIFICATIONS
E-Commerce 2001 - Microsoft Certified

IT SKILLS
Proficient in Windows, MS Office and Internet

PERSONAL DOSSIER
Date of Birth: 11th August 1978
Languages Known: English, Malayalam, Tamil & Hindi
Nationality:

Indian

Visa:

Residence Visa (Employer Sponsored)

Driving License:

Valid International, UAE and India

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