Jude Devabandu
Tampere,15
Summary
Seasoned Financial Management professional with proven expertise in accounting processes, systems oversight and compliance reporting. Knowledgeable about AP/AR, contract administration, budgeting and all other aspects of successful financial operations. Talented team builder and supervisor with expertise to develop and maintain consistent, accurate, and legal accounting structures.
Overview
25
25
years of professional experience
1
1
Certification
Work History
Branch Manager
Nations Trust Bank
Colombo
05.2019 - 08.2024
- Developed strategies to increase customer satisfaction and loyalty.
- Reviewed loan applications to ensure accuracy and compliance with regulations.
- Monitored financial performance of the branch on a monthly basis.
- Analyzed data to identify trends related to products, services, customers and markets served by the branch.
- Created reports summarizing operational performance metrics for senior management review.
- Maintained consistent growth in accounts and receivables by obtaining and retaining loan borrowers.
- Participated in credit committees to present analysis and recommendations on credit proposals.
- Analyzed historical credit trends to identify areas of risk exposure.
- Conducted financial analysis of potential credit risks using quantitative and qualitative data.
- Conducted detailed financial analysis on clients to assess creditworthiness and recommend credit limits.
- Investigated any incidents related to possible breaches of security or other risks.
- Prepared detailed reports outlining current risk levels as well as recommended actions for senior management.
Manager
PAN ASIA Bank
Colombo
12.2018 - 04.2019
- Created monthly reports for senior management summarizing operational performance metrics.
- Developed and implemented strategies to increase customer satisfaction and loyalty.
- Assessed team member's skillsets and assigned tasks accordingly for optimal efficiency.
- Streamlined communication channels, improving information flow and decision-making speed.
Senior Relationship Manager
RAK Bank
Dubai
07.2016 - 08.2018
- Developed and managed a portfolio of existing clients to ensure long-term customer relationships.
- Reviewed financial statements, credit reports, and other relevant documents in order to assess creditworthiness.
- Analyzed customer data to identify areas of risk and potential opportunities for growth.
- Ensured compliance with legal regulations, policies, and procedures related to banking operations.
- Developed or analyzed information to assess current or future financial status of firms.
- Participated in meetings with external auditors regarding audit results related to compliance matters.
- Used hedging to mitigate financial risks related to interest rates on company's borrowings.
- Created financial management mechanisms to minimize financial risk to business.
- Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
- Built financial models to allocate resources, forecast cash and investment needs and make capital budgeting decisions.
- Managed relationships with tax authorities, bankers and auditors.
- Collaborated with various departments to improve communication and deliver individualized customer solutions.
- Analyzed potential areas of risk and developed strategies to mitigate such risks.
- Investigated any suspected violations of the organization's compliance policies.
Senior Business Development Manager
Menafactors Ltd (FIM Bank Group, Malta)
Dubai
06.2009 - 07.2016
- Executed trade finance facilities.
- Assisted with international customer inquiries for factoring facilities.
- Developed and implemented strategic business plans for new market opportunities.
- Oversaw regional and local sales managers and staff.
- Conducted market research and reported on competitors.
- Led sales planning, development and account management to grow existing accounts and establish new sales accounts.
- Implemented CRM strategies to improve customer engagement and retention.
- Managed budgets and resources efficiently to maximize return on investment.
- Delivered presentations to senior management and stakeholders to report on progress and results.
- Monitored industry trends and technological advancements to stay ahead of competition.
- Conducted competitive analysis to inform strategic decisions and positioning.
- Spearheaded market research initiatives to identify new business opportunities and areas for expansion.
- Drafted contracts that accurately reflected the agreed upon terms of service.
- Assessed risk factors associated with proposed projects or investments.
- Established pricing policies based on cost analysis and competitive market conditions.
- Analyzed competitor activities to develop effective strategies for gaining market share.
- Reviewed and assessed potential risk exposures to ensure compliance with established policies and procedures.
- Collaborated with stakeholders in developing plans for mitigating identified risks.
- Drafted reports summarizing the results of risk assessments, identifying key findings and recommendations for improvement.
- Assisted in the development of new policies and procedures designed to reduce the likelihood of future incidents or exposures.
Credit and Marketing Officer
MAF ORIX Finance
Dubai
08.2007 - 06.2009
- Implemented asset-based financing strategies
- Managed relationships with external vendors providing marketing-related services.
- Provided guidance on pricing strategies based on competitive analysis.
- Strategically devised customer approaches, meeting sales objectives, and capitalizing on emerging opportunities.
- Conducted market research to identify trends, customer needs, and competitive landscape.
- Monitored and reported on competitor activities and market trends to inform strategic decisions.
- Prepared marketing campaign budgets with finance personnel.
Senior Relationship Officer
Ossol Finance (Mashreq Bank - UAE)
Dubai
07.2005 - 05.2007
- Developed and implemented sales strategies to increase market share.
- Created and presented monthly reports to management on sales performance.
- Developed strategies to increase sales and market share.
- Sourced new sales opportunities through inbound lead follow-up.
- Contacted current and potential clients to promote products and services.
- Prepared and submitted sales reports and expense reports on a regular and timely basis.
Senior Banking Assistant
Hatton National Bank
Colombo
05.1999 - 06.2005
- Provided customer service and responded to client inquiries related to banking services.
- Managed daily transactions, including deposits, withdrawals, transfers, and loan payments.
- Maintained accurate records of all accounts and transactions.
- Resolved discrepancies between customers' accounts and bank records.
- Monitored compliance with internal control procedures and regulations set by regulatory authorities.
- Analyzed financial data to identify trends or irregularities that may require corrective action.
- Facilitated communication between customers, branches, departments, vendors.
Education
Associate of Applied Science - Trade Finance
University Of Malta
Malta (EU)11-2015
MBA - Business Administration And Management
University of Atlanta
United Arab Emirates11-2012
BBA - Management Science
American Institute of Business Management
United Arab Emirates01-2011
Associate of Science - Credit Management
Sri Lanka Institute of Credit Management
Sri Lanka11-2002
Diploma - Accounting And Finance
International Association of Book-Keepers
Sri Lanka02-2001
Skills
- Credit Report Evaluation
- Credit Analysis Expertise
- Risk Assessment
- Customer Service
- Process Improvement
- Risk Mitigation
- Work Prioritization
- Account analysis expertise
- Expert in risk management
- Regulatory understanding
- Compliance understanding
- Regulatory knowledge
- Economic forecasting
- Quantitative Analysis
- Analytical mindset
- Stress testing
Accomplishments
- 2017 Gold Award for Exemplary Performance (RAK Bank-UAE)
- In the year 2014/15 I have been lead assigned (project) to introduce asset leasing products to UAE market through Menafactors Ltd.
Languages
English
First Language
English
Proficient (C2)
C2
Certification
- Associate Member of Chartered Institute of Credit Management ACICM (UK)
- Associate Member of Chartered Institute of Marketing (ACIM) (CIM - UK)
- Associate Member of Chartered Management Institute (ACMI) (CMI - UK)
References
References available upon request.
Timeline
Branch Manager
Nations Trust Bank
05.2019 - 08.2024
Manager
PAN ASIA Bank
12.2018 - 04.2019
Senior Relationship Manager
RAK Bank
07.2016 - 08.2018
Senior Business Development Manager
Menafactors Ltd (FIM Bank Group, Malta)
06.2009 - 07.2016
Credit and Marketing Officer
MAF ORIX Finance
08.2007 - 06.2009
Senior Relationship Officer
Ossol Finance (Mashreq Bank - UAE)
07.2005 - 05.2007
Senior Banking Assistant
Hatton National Bank
05.1999 - 06.2005
Associate of Applied Science - Trade Finance
University Of Malta
MBA - Business Administration And Management
University of Atlanta
BBA - Management Science
American Institute of Business Management
Associate of Science - Credit Management
Sri Lanka Institute of Credit Management
Diploma - Accounting And Finance
International Association of Book-Keepers
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