ZULFIKAR SADIQ GULAMALI

Dynamic banking professional with a strong record in driving growth across liabilities and managing diverse asset portfolios. Expertise in client relationship management and strategic planning has led to significant increases in customer satisfaction and retention through innovative financial solutions. Demonstrates adaptability and a swift ability to learn, effectively applying new knowledge to enhance service delivery. Committed to continuous improvement and achieving positive outcomes through exceptional communication and problem-solving skills.

• Business & Corporate Law, Business Ethics, Business Finance 1&2, Entrepreneurship & Communication, Strategic Management & Business Management, European Business University, Pursuing
• International Computer Driving License (ICDL) Part 1, 04/01/04
• Level 3 Certificate in Retailing, 08/01/08

• Increased departmental portfolio from $472.7 M to $500M within a year.
• Enhanced & transformed the UBA brand perception, positioning it as a cross-continent bank.
• Turned around the HO branch from loss-making position to profitability for 3 months after more than a decade.
• Reduced the losses to KES 7M from KES 42M and achieved a deposit base of KES 900M as the first branch.
• Established a new branch in Mombasa, steering business volume & profitability with research-based marketing & product value propositions.
• Grew asset base by KES 600M & liabilities base by KES 419M for business & personal banking divisions with strategic product development & bundling.
• Networked with opinion leaders & key accounts, penetrating the energy sector with 10+ clients.
• Augmented deposit base by KES 2B for Prime Bank, strategizing bundled products, corporate partnerships & asset/mortgage finance.
• Achieved 80% of the personal banking budget of $9.1M with product upselling, cross-selling & high-net client acquisition.
• Launched mobile money transfer to 70+ countries, collaborating with Simba Pay.
• Positioned GTBank Retail & Personal Banking division as the Best Performing Business Division in Kenya with a portfolio turnover of $20M+.
• Achieved the Retail & Personal Banking portfolio of KES 2.99B in 2018 & KES 2.67B in 2019.
• Nominated as a member of the GTBank Brand Ambassador Committee in 2018.
• Ideated & led the first brand collaboration with car rallies, promoting GTBank worldwide.
• Secured mortgages worth GBP 2.5M & 2-year FD of GBP 1M in a quarter with strategic customer liaison.
• Increased HNI & SME account openings by 63% via upselling, cross-selling & lead sharing.
• Grew branch lending by 56% & income by 65% within 2 years.
• Boosted Current & Savings Accounts (CASA) deposits & assets by 47%, organizing innovative client engagement events.
• Conducted 10+ trainings on forex counter operations, enhancing efficiency by 67%.
• Managed a system of client referrals, enhancing new client acquisition by 76%.
• Awarded as the 2nd Runner Up for the Best Performing Relationship Manager in 2012, achieving the Highest Value Growth in CASA Campaign by Imperial Bank.
• Boosted team motivation & performance through regular mentoring & monitoring.

• Date of Birth: 11/11/85
• Nationality: Kenya
• Driving License: JYW053

• The Best Customer Service Delivery Award, UBA Kenya, 2022
• The Best Performing Business Unit - Retail Department, GTBank Kenya, 2019
• 2nd Runner Up, The Best Performing Relationship Manager - CASA Growth Value, Imperial Bank Kenya, 2012

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