Looking for a job

Usama Rafique

@usamarafique

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Customer-focused relationship officer driving sales, cross-sell growth, and long-term client retention.

Hungary

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What I'm looking for

I am seeking a client-facing sales or relationship role where I can grow revenues through cross-selling, build long-term client relationships, and work with collaborative teams.

I am a relationship-driven sales and customer service professional with strong experience in banking, retail e-commerce, and contact centers, consistently meeting targets through strategic prospecting and cross-selling. I have generated significant liability funding for accounts and converted leads across channels including phone, email and in-person meetings.

My background includes roles as Relationship Officer at multiple financial institutions where I advised customers on credit products, promoted cards, and built referral pipelines, as well as managing online sales operations and store supervision in retail. I collaborate across departments to ensure seamless customer experiences and drive business growth.

I bring proven communication, leadership and problem-solving skills, comfortable working under pressure to achieve sales targets and improve customer satisfaction. I seek roles that leverage my relationship management and sales strengths to deliver measurable results.

Experience

Work history, roles, and key accomplishments

Current

Relationship Officer

Current

National Bank of Ras Al Khaimah

Aug 2023 - Present (2 years 1 month)

Contacted and converted prospects for RAK SME account openings, built long-term client relationships and generated referrals; cross-sold banking facilities and brought average funding of approximately 3.5M–4M per enhanced account.

Relationship Management Sales Cross Selling Lead Generation Customer Retention

Relationship Officer

Innovation Group

Mar 2023 - Jul 2023 (4 months)

Sold banking products to meet targets, advised customers on credit offers and promotions, and promoted credit cards to increase market penetration and conversions.

Sales Customer Advisory Lead Qualification

Relationship Officer

IDMS (Deem Finance)

Aug 2022 - Feb 2023 (6 months)

Achieved monthly targets for credit cards and personal loans by building customer relationships and driving product sales until the company ceased operations.

Telesales Loan Origination Relationship Building Customer Onboarding Financial Products Sales Reporting

Online Sales Head

Tayyib Store

Aug 2021 - Jul 2022 (11 months)

Led online sales operations, generated revenue via social channels and customer outreach, managed delivery routing for riders and broadcasted new arrivals to customers.

Social Media Marketing Customer Outreach order fulfillment Team Coordination Sales Reporting CRM

Supervisor

Tayyib Store

Dec 2019 - Aug 2021 (1 year 8 months)

Managed store staff, maintained store presentation, handled customer feedback and reported daily to management to improve operations.

Team Management Store Operations Customer Service Visual Merchandising Reporting Feedback Retail Operations

Contact Center Representative

Jazz

Dec 2018 - Nov 2019 (11 months)

Handled inbound customer complaints, provided timely resolutions and followed up to ensure satisfactory outcomes within service time limits.

Customer Service Inbound Timely Follow Ups Communication CRM Time Management

Telesales Executive

Milvik Bima

Jun 2017 - Nov 2018 (1 year 5 months)

Conducted outbound sales for accidental insurance via calls, educated customers on product benefits and achieved sales targets for project growth.

Telesales Insurance Sales Customer Education Cold Calling Lead Qualification

Telesales Executive

If-Logics

Aug 2015 - Feb 2016 (6 months)

Performed outbound campaigns for Bell-Canada and Rogers Communications, offering promotions and discounts to existing customers to drive retention and billing optimization.

Outbound Sales Campaign Management Customer Retention Negotiation Communication Sales Reporting