Yadvindra Singh is an experienced banking professional with over 7 years of experience in credit risk, customer service, and relationship management in the UAE banking industry. He is currently a Senior Sales Supervisor at Emirates NBD, where he sources new business accounts, advises SME clients, and manages client relationships. Previously, he held roles managing client portfolios and collections teams at Abu Dhabi Finance and Barclays Bank. Singh holds a Bachelor's degree in Management Economics from the University of Guelph and is pursuing a financial advisory certification from the Chartered Institute of Securities and Investments.

1. Yadvindra Singh
Address: Dubai Marina, Dubai
Mobile: 055 2221388
Email: yadvindrasingh8@gmail.com
LinkedIn Profile http://ae.linkedin.com/pub/yadvindra-singh/1a/675/78
Personal Profile
Experienced banking professional with diversified experience within banking industry.I have 7 years of professional
experience with leading multinational banks and local finance companies in UAE. My extensive background in Credit Risk,
Customer Services and Relationship Management equip me with a unique holistic perspective on business. My experience
of working in multilingual and cosmopolitan teams in UAE has endowed me with an international outlook towards business.
Education and Professional Development
o 2004 University of Guelph, Guelph, Ontario, Canada
Bachelors of Commerce (Honors) in Management Economics in Industry and Finance
o Preparing for International Certificate in Financial Advice from Chartered Institute of Securities and Investments ,
London, United Kingdom
o Seminars and Trainings Programs for Professional Development-Anti-Money Laundering, Credit Risk Management,
Relationship Management Techniques
Linguistic Proficiency
English (Fluent), Panjabi (Fluent), Urdu (Fluent)
Professional Experience
Emirates NBD, Dubai, United Arab Emirates- Senior Sales Supervisor
August 2011-present
Main Responsibilities
o Sourcing NTB business accounts
o Advising the SME clients on their business banking requirements and providing the effective solutions
o Develop and sustain long term business relationships with small and medium enterprises, business consultants and
government bodies such as free zone authorities
o Handle the post-sale process by rendering efficient client service
o Effective generation of business leads from new and existing clients
o Develop and nurture network of business contacts with the business community and develop brand awareness for
Emirates NBD Business Banking
o Advising clients on trade facilities solutions
o Service the portfolio of existing accounts
Abu Dhabi Finance (a subsidiary of Mubadala Development Company), Abu Dhabi, United Arab Emirates-
Client Relationship Manager (Mortgage Companion)
September 2008-November 2010
Main Responsibilities
o Manage a portfolio of mortgage clients by covering all major components of portfolio management
o Continually explore and develop new business opportunities by expanding the referral network and generating
new business lead
o Develop a service plan for each relationship to provide an array of services
o Conduct in-depth reviews of clients’ financial circumstances, current provision and future aims;
o Ensure client walkthroughs for new/change in process or product
o Manage closure of issues such as client requests/complaints within desired TAT
o Ensure a strict adherence to AML/KYC policies
o Collaborate with internal stakeholders to ensure best client experience
o Liaise with external parties such as Real Estate Developers and Real Estate agents and Lands Registry in Abu Dhabi
Municipality to ensure smooth transfer and mortgage registration and disbursement of loans.
o Liaising with the Operations department, Legal and compliance department, Credit Risk, and the clients to ensure
smooth transfer and mortgage registration and disbursement of loans.

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o Updating and managing client mortgage accounts on a daily and six month basis and responding to client requests.
o Effective reporting of BAU and Project activities to Senior Manager
o To ensure that all the process deviations raised are closed in timely manner, with proper and regular follow ups
Key achievements
o Managed a portfolio of AED 277 million
o Awarded outstanding achievement as a Client Champion for excellent customer service to my portfolio of clients
and third party clients.
o Awarded outstanding achievement as TAT Champion for excellent turnaround times from the Offer letter stage to
disbursal of loan.
o Awarded outstanding achievement as a Process Champion enabling a smooth transition process for each client and
initiating and spearheading the payment collection process.
o Initiated and executed a new process for the Loan Offer signing therefore stream lining the process which in turn
achieved other relationship managers to improve upon their TAT times.
Barclays Bank, Dubai, United Arab Emirates– Credit Policy and Collections Analyst
March 2007 – August 2008
Main Responsibilities
o Conducted periodic check and analysis of portfolio quality for reporting purposes.
o Responsible for conducting a thorough periodic review of credit policy and suggesting changes to minimize risk.
Maintained a close liaison with legal and compliance units to report and pre-empt any potential frauds or defaults.
o Supervised and managed a team of collection officers and worth an average value of AED 200 millions serviced and
cured every month.
o Daily activities involved interaction with high net worth clients for the purpose of clearing arrears.
o Identified key operational issues and errors which caused the majority of delinquency
o Acted as a key point of contact for mortgage clients and the customer service.
o Communicate relevant information to colleagues regarding any changes in product features or credit policy.
Key achievements
o Played a pioneering role in setting up an independent collections unit for mortgages.
o Designed the E2E collection process
o Identified key issues, complaints and queries of mortgage clients and initiated action by involving all the key
stakeholders in order to obtain appropriate solution
o Led the Mortgage task force set up to improve the quality of product and service
o Helped improve the levels of service quality by identifying the key areas improvement and supplying the feedback
customer service and client management desk.
o Successfully reduced the levels of overall delinquency to from 231 million AED 58 million in March 2008 by
ensuring closure of major operational and service related issues.
ABN AMRO Bank, Dubai United Arab Emirates – Team Leader Retail Collections
January 2005 ‐ March 2007
Main Responsibilities
o Lead and manage a team of collection officers which were entrusted with the task of recovering bad debt, for
credit cards and personal loans.
o Follow up with customers for all outstanding payments and identify problematic communication with the clients in
order to achieve prompt cash collection.
o Working closely with other areas within the business credit, legal and operational department, towards achieving
the teams over target of closer for accounts in arrears.
o Ensure a strict adherence to compliance and anti-money laundering policies within the Retail collections team.
o Prepared monthly productivity report on teams achievements and reported these back to senior members of
management.
o Effectively train and mentor newly appointed Collection Officers within the Retail Collections team.
o Improved team performance by devising a system of monthly team reviews
o Effectively managing customer complaints and following up with the relevant department to resolve the issue.
Key achievements
o Used initiative and organization skills to prioritize workloads by working effectively as a team leader, to achieve the
teams over targets.

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o Awarded ABN AMRO Instant Award By ABN AMRO Bank Credit and Risk department for outstanding performance
in the month of September 2005 and for putting extra effort to achieve team goals
o Awarded ABN AMRO Instant Award by ABN AMRO Bank Credit and Risk department in February 2006 for helping
achieve the monthly target through extra personal initiative
KEY SKILLS AND QUALITIES
o Problem Solving and Analytical Skills
o Relationship building and management
o Strategic planning and team building
o Ability to organize and multi-task
o Excellent professional communication and reporting skills (written and verbal)
REFERENCES Available upon request and also available on LinkedIn Profile