ALFIYA AUGUSTINE
Muscat
Summary
Results-driven professional with extensive experience streamlining operations and implementing continuous improvement strategies. Proven success in SME loan portfolio management, demonstrating a strong ability to optimize processes, enhance operational efficiency, and deliver exceptional customer experiences. Adept at adapting to new environments and leveraging continuous learning to achieve strategic objectives.
Results-driven professional with comprehensive experience in account management, focusing on building strong client relationships and driving business growth. Adept at negotiating contracts, resolving client issues, and aligning services with client needs. Proven success in fostering team collaboration and adapting to dynamic environments, showcasing excellent communication and problem-solving skills.
Skilled account management professional with proven track record in fostering client relationships, driving revenue growth, and managing complex accounts. Known for strong focus on team collaboration, adaptability, and delivering results. Expertise includes strategic planning, client communication, and problem-solving. Highly reliable and flexible in meeting changing business needs.
Overview
1
1
Language
1
1
Certification
8
8
years of professional experience
Work History
Tele-Sales Account Manager
Click Solutions Trading SPC (Vodafone Channel Partner)
02.2026 - 06.2026
- Nurtured client relationships to enhance customer satisfaction and retention outcomes.
- Streamlined strategic account plans to align client goals with Vodafone product offerings.
- Managed cross-functional team delivery of customized client solutions, maintaining seamless service execution.
- Recommended tailored services to clients by analyzing market trends for growth opportunities. Executed outbound calls to potential business clients, effectively promoting Vodafone telecom offerings.
- Assessed customer requirements, then advised suitable business mobile plans and internet solutions.
- Generated new business leads and maintained a strong sales pipeline through prospecting, follow-ups, and client relationship management.
- Achieved sales targets and KPIs through effective telesales and direct client engagement.
- Arranged and attended in-person meetings with prospective corporate customers to present telecom solutions.
- Built and maintain strong relationships with business clients to support customer acquisition and retention.
- Explain product features, pricing, benefits, and promotional offers to customers in a clear and professional manner.
- Handle customer inquiries, follow-ups, and objections throughout the sales process.
- Coordinate customer onboarding and collect required documents, including signed and stamped application forms, Commercial Registration (CR) copies, and Civil ID copies.
- Ensured accurate documentation of customer interactions, organize follow-ups, and logs sales activities in CRM systems.
- Collaborate with internal teams to ensure smooth customer onboarding and activation of telecom services.
- Monitor market trends, competitor offerings, and customer needs to identify new business opportunities.
Portfolio Manager - SME Loans
CSB Bank
09.2022 - 04.2024
- Executed risk mitigation strategies, leading to a notable decrease in non-performing assets within the SME loan portfolio.
- Monitored SME loan portfolio performance, tracking key delinquency metrics.
- Executed risk mitigation strategies, resulting in decreased non-performing assets in SME loan portfolio.
- Reviewed new credit requests, verifying eligibility and capability to understand credit position of clients.
- Served as primary contact for SME clients, resolving inquiries effectively.
- Partnered with Relationship Managers to design bespoke financing options suited for SME client requirements, boosting business development.
- Developed regular performance summary reports for senior management on SME loan portfolios.
- Grew and maintained client base to maximise revenue.
- Updated client portfolio documentation to ensure accuracy and compliance with internal standards. through client portfolio documentation.
- Performed daily maintenance of loan applicant database.
- Developed performance summary reports for senior management, highlighting key insights on SME loan portfolios.
- Expanded client base through targeted outreach and relationship-building strategies. client base to maximise revenue.
- Worked with cross-functional teams, including credit risk, compliance, and legal departments.
- Created and updated through client portfolio documentation.
- Responded to customer inquiries regarding credit standings and loan balances to provide clarity. concerning credit standing, loan balances and penalties.
- Contacted financial and credit institutions to obtain and validate customer information.
- Determined approval or disapproval based on accepted risk profiles.
- Conducted credit checks on new clients to assess creditworthiness and set credit limits.
- Answered customer inquiries concerning credit standing, loan balances and penalties.
- Received and resolved customer queries efficiently, enabling timely invoice processing and payment.
- Built knowledge about latest banking products and services through ongoing training.
- Determined approval or disapproval based on accepted risk profiles.
- Contacted financial and credit institutions to obtain and validate customer information.
- Drafted detailed credit papers, with comprehensive financial records and risk analysis data.
CPA (Credit Processing Associate)
YES Bank Ltd.
08.2019 - 09.2022
- Performed comprehensive credit assessment by scrutinizing financial statements of SME loan candidates.
- Conducted credit assessments by analyzing financial statements of SME loan candidates to ensure informed lending decisions.
- Processed SME loan applications, ensuring documentation completeness and accuracy.
- Implemented quality assurance protocols to improve data accuracy in loan application processing, reducing error rates.
- Communicated promptly with SME clients about loan application status to foster transparency and trust.
- Identified and resolved customer needs promptly and efficiently.
- Provided exceptional customer service, resolving queries promptly to maintain high satisfaction levels.
- Assisted associated departments with clerical and administrative support.
- Analyzed data to identify trends and inform strategic decisions for business growth.
Accountant
TOMMY THOMAS & ASSOCIATES
09.2018 - 08.2019
- Maintained precise financial records, encompassing accounts payable and receivable.
- Supported budgeting and forecasting activities in collaboration with accounting team to enhance financial planning.
- Produced monthly and year-end closing statements, financial documents and invoices.
- Generated financial statements documenting revenue, expenses and liabilities.
- Prepared documentation and schedules for audits with accounting team to ensure compliance and accuracy.
- Managed financial accounts, reconciling bank statements and monitoring cash flow to maintain accurate records.
- Performed financial data analysis, identifying trends, discrepancies, and opportunities.
- Generated monthly and year-end closing statements and financial documents to provide clear insights into financial performance.
- Collaborated with the accounting team to prepare documentation and schedules for audits.
Education
B.Com - Computer Application
St. Xavier's Arts & Science college
04-2018
Skills
- Client advising
- Relationship building
- Client management
- Client Support
- Communication skills
- Workload management
- Credit Analysis
- Sales Strategy
- Risk Management
- Financial Acumen
- Sales Compliance
- Data Analysis
- Customer Insights
- Sales Solutions
- Client management
- Reporting and Documentation
- Market Research
Certification
Tally ERP, Pursuing CMA USA
Languages
English Malayalam
Personal Information
- Date of Birth: 07/12/1996
- Nationality: Indian
- ID Type: ID
- ID Number: 139743086
WEBSITES, PORTFOLIOS AND PROFILES
https://www.linkedin.com/in/alfiya-augustine
Timeline
Tele-Sales Account Manager
Click Solutions Trading SPC (Vodafone Channel Partner)
02.2026 - 06.2026
Portfolio Manager - SME Loans
CSB Bank
09.2022 - 04.2024
CPA (Credit Processing Associate)
YES Bank Ltd.
08.2019 - 09.2022
Accountant
TOMMY THOMAS & ASSOCIATES
09.2018 - 08.2019
B.Com - Computer Application
St. Xavier's Arts & Science college