1. VEERAKUMAR KRISHNAN
# 12 -2, Koi Legian, Jalan TK 5/1,
Bandar Puchong jaya, 47170, Selangor, Malaysia
kumarbanker888@gmail.com, Mobile : 0060 17 8713225.
SALES & MARKETING MANAGEMENT PROFESSIONAL
- Banking & Financial Service Industry -
New Business Development Team Building & Leadership●
Consultative & Solution Sales Networking and Relationship Building
Objectives: To succeed in an environment of growth, excellence and earn a highly rewarding career, which
provides me professional satisfaction and personal development
Key Qualifications:
• 14+ Years total experience in Banking & Financial Service Industry
• 5+ Years Managing Finance Facilities for Retail & SME segments.
• 9+ Years in Islamic & Non Islamic Banking Module.
• Managed 200+ Individuals & 400+ SME & Companies in facilitating the financial needs.
• Preparing Credit Application, Risk Analysis, Asset & Liabilities Analysis and Equity analysis,
Evaluating Repayment Risk, Settlement Risk and Collateral Risk.
• Credit Risk Analysis, Financial Statement Analysis and Cash Inflow & Outflow Analysis, Reviewing
Analyzing, Financial models, Relationship management & Business development.
• Handled ULTRA HIGH NETWORTH INDIVIDUAL (UHNI) & HNI PORTFOLIO.
• Awarded & Rewarded for the “Top Performance & Best Customer Service”.
• Excellent Communication Skills, Strong Interpersonal skills, Analytical & Organizational Skills.
• Good leadership skills evident in motivating others and building team Spirit.
• Passion to live by the company’s Vision, Mission, Culture & Values.
PROFESSIONAL EXPERIENCE
Doha Bank (WWW.DOHABANK.COM.QA) July 2013 – Oct 2015
Team Manager - SME Banking & Retail Loan Unit – Doha, Qatar.
• Managed a team of 10 Relationship Officer from different Nationalities.
• Managed SME Products – Business Loan, Equipment Leasing, Credit financing, Comprehensive
Insurance. Trained the Sales team to identify, market & develop a relationship with new clients.
• Preparing SME lending proposal to credit department based on assessment of company's turn over,
balance sheet, Asset & Liabilities Analysis & other credit criteria.
• Credit risk Analysis, Financial Analysis, Reviewing and Analyzing Financial models
Relationship management, Business development.
• Customized solutions, Advisory services, Facilitating financial needs for Retail Customers,
SME (Small & Medium Enterprise) & Companies.
• Preparing daily workloads for team mates & Co ordinating the daily allocation of work.
• Focus ,Motivate, Educate, advice the team to achieve high standards & KPI targets
• Resolving problems, issues when arise. Work with Banks sales and marketing team to drive sales
forward. Positively motivating staff, Planning, Organizing, Coordinating, Commanding, Controlling.
• Hire Train, Mentor, Guide, Supervise, and Evaluate & promote Staff.

2. • Arranging weekly team meetings, focusing on targets & achievements.
ALIJARAH HOLDING (WWW.ALIJARAH.COM) Jan 2011 – June 2013
Financial Consultant - Retail & Corporate Facilities – Doha, Qatar.
• Managed Retail & Corporate Facilities through ALIJARAH LEASING.
• ALIJARAH LEASING – Non Banking Islamic Financial Company (NBIFC).
• All facilities are under ISLAMIC SHARIA’A Law (Murabaha, Ijarah & Istisna ‘a).
• Provide finance facilities for Automobiles, Equipments, Residential & Commercial properties, Etc…
• Preparing Credit Application, Evaluating Risks and providing solutions to mitigate them by verifying
credit worthiness of clients within the portfolio.
• Develop and maintain an understanding of industry developments and changes in working
practices and Promote the product proposition to maximize markets share and penetration,
focusing on customer needs and implementing acquisition actions for them.
• Encouraging & advising the customers to avail all Islamic financing products offered by Alijarah.
• Good communication, presentation, interpersonal and relationship building skills and ability to
work with multinational teams. Possesses smart, pleasant and impressive personality.
ABU DHABI COMMERCIAL BANK, (WWW.ADCB.COM) Nov 2006 – Dec 2010
Relationship Manager – Mortgages & Mass affluent Segment - Dubai, U.A.E.
• Well managed a private developer - ETA STAR PROPERTIES DEVELOPER LLC, DUBAI, U.A.E &
facilitating their customer in CONVENTIONAL & ISLAMIC Mortgage loans through ADCB.
• Originate and process home loans through developer referrals from Master and Primary developers
like Emaar, Nakheel, Dubai Properties, Union Properties, Al Dar, Etc… managed to tie up with
major Real Estate Companies, Brokers Network and Private Contractors, Civil Contractors, etc…
• Managed approx. 300+ Investors, Self Employed & 200+ Mortgage customer. Serviced to ULTRA
HIGH NETWORTH INDIVIDUAL (UHNI) & HNI PORTFOLIO.
• Loan offering CONVENTIONAL & IJARAH LOANS with an average loan size of AED 250,000/-.
• Managing & advising the customers about the Investment Opportunities available in ADCB. Guiding
them to invest in ISLAMIC & NON ISLAMIC FIXED DEPOSIT & TERM INVESTMENT DEPOSITS.
• Advising the HNI customers to open an ADCB PRIVILLEGE CLUB A/c and PAYROLL ACCOUNTS for
his company. Sold ADCB MEETHAQ CREDIT CARDS, PERSONAL FINANCE, CAR FINANCE,
EDUCATION LOANS & RENTAL LOANS.
Achievements
• Awarded as a “Top performer of 2008” for “213 Million disbursements in 2008”.
• Won 3rd place in AED 4 Billion Mortgage Approval Contest.
• Awarded for Excellent Developer Management, Broker Network & Real Estate sector.
• Won a MONTEGRAPPA – Executive writing Instrument for HIGH VOLUME FIXED DEPOSIT & TERM
INVESTMENT DEPOSIT CONTEST.
• Won a BLACKBERRY PHONE in ADCB PRIVELLEGE CLUB Contest.
STANDARD CHARTERED BANK ( WWW.SCB.COM/AE) Mar 2006 – Oct 2006
ACTING TEAM LEADER – Credit Cards, Personal & Smart Loans - Dubai, U.A.E.
• Leaded team of 5 Sales Associates for Credit Cards, STL & Smart loans products.
• Inputting at meetings both internal and external, promoting good business practice
• Feeding back information to staff via useful and productive staff meetings
• Creatively thinking of new ways to work within the business plan
• One point of contact for any issues concerning the team and resolving as soon as possible
Achievements
• Achieving 60% target of the month within by fortnightly.
• Won a Gold coin prize in BEST TEAM MANAGEMENT ,Jun .2006

3. • Won a tour package of AL RAHA BEACH HOTEL for highest No. of credit cards sales.
ICICI HFC LTD (WWW.ICICIHFC.COM) June 2001 – Feb 2006
SENIOR SALES ASSOCIATE - Mortgage and Home loan
Bangalore, India.
• Responsible of Mortgage Loan products sales within bank policies and procedures.
• Boosted Sales, in a row, achieving consistent gains of 15%, 25% and 35% respectively.
• Captured the highest rating in a survey by bank as a result of exceptional customer service and
satisfaction.
• Excellent organizational skills and great ability to multi-task.
• Honest and Dependable with Excellent interpersonal skills
• Team-oriented, Organized and Manage time well ,Work well under pressure, Flexible, Quick learner
EDUCATION DETAILS:
Bachelor of Computer Science (B.Sc)
Bharathidasan University, Tamil Nadu, India.
M.B.A (Marketing Management)
University of Madras, Tamil Nadu, India.
COMPUTER SKILLS
Operating System : MS – DOS, Windows 9x, Windows 7 & 8.
Package : Microsoft Office.
Web Page : HTML, XML
PERSONAL DETAILS
Father’s Name : Dr.R.V.Krishnan.
Date of Birth : 22-12-1980.
Marital Status : Married
Nationality : Indian
Driving License : UAE & QATAR & INTERNATIONAL DL
Note : Currently not working & managing my Uncle’s business in Malaysia. As he undergone an open Heart
Surgery & have to take rest from the work & business. So I was managing it. Now he is able to manage by
himself.
(VEERAKUMAR KRISHNAN)
Hand Phone : 0060 17 8713225