Marjan Mohaymani
Vancouver,BC
Summary
Proven leader in financial services with a track record of enhancing operational efficiency and customer satisfaction at EN Bank. Leveraged critical thinking and organizational skills to streamline processes, resulting in a significant increase in profitability. Renowned for fostering teamwork and delivering exceptional customer service, consistently exceeding performance goals.
Marjan holds a Ph.D in Business Administration. She has been working for a financial organization over 16 years. She has been working as a Marketing Specialist. She has also gained a good experience of teaching business in universities in fields like Consumer Behavior, Branding, digital Marketing… . In addition, she has a background in teaching training courses. Therefore, she has acquired a good Knowledge of identifying both theoretical contexts and business markets. It should be noted that she has a special ability to analyze research projects. A wide range of experience and academic background represents a combination of analytical and creative thinking for her. Skilled in:
• Customer Acquisition and prioritizing customer's needs
• Excellent business planning and Controlling
• Strong interpersonal and Problem solving skills
• Logical and critical thinking
• Ability to work in a fast-paced businesses such as Fintech Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. Hardworking and passionate job seeker with strong organizational skills eager to secure entry-level [Job Title] position. Ready to help team achieve company goals.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Expert Control and Revision Plans
EN Bank (Eghtesade Novin Bank)
11.2023 - 08.2024
- Self-motivated, with a strong sense of personal responsibility.
- Worked effectively in fast-paced environments.
- Skilled at working independently and collaboratively in a team environment.
- Proven ability to learn quickly and adapt to new situations.
- Excellent communication skills, both verbal and written.
- Worked well in a team setting, providing support and guidance.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Passionate about learning and committed to continual improvement.
- Worked flexible hours across night, weekend, and holiday shifts.
- Managed time efficiently in order to complete all tasks within deadlines.
- Organized and detail-oriented with a strong work ethic.
- Paid attention to detail while completing assignments.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Strengthened communication skills through regular interactions with others.
- Adaptable and proficient in learning new concepts quickly and efficiently.
Senior Market Research Analyst
En Bank (Eghtesade Novin Bank)
03.2020 - 11.2023
- Advised on pricing strategies using robust competitive benchmarking studies, ensuring optimal profitability while maintaining market share position.
- Identified emerging trends and opportunities with comprehensive market assessments, driving informed business decisions.
- Enhanced market intelligence by conducting in-depth industry and competitor analyses.
- Conducted regular SWOT analyses to identify potential threats and develop proactive mitigation plans.
- Influenced product development strategies with insightful consumer behavior analysis and feedback from focus groups.
- Improved forecast accuracy by utilizing advanced statistical modeling techniques, supporting more effective resource allocation decisions.
- Collaborated with sales and marketing teams to refine target customer profiles based on rigorous segmentation analysis.
- Managed vendor relationships to ensure timely delivery of high-quality research data at competitive costs.
- Mentored junior analysts, fostering a culture of continuous learning and professional growth within the team.
- Championed the adoption of cutting-edge research tools and methodologies within the organization, driving continuous improvement in market analysis capabilities.
- Optimized survey design and implementation to improve response rates and data quality.
- Developed compelling presentations that effectively communicated key findings and recommendations to executive leadership.
- Streamlined data collection processes for increased efficiency in delivering actionable insights to stakeholders.
- Implemented innovative data visualization techniques for more engaging communication of complex research findings to non-expert audiences.
- Evaluated the effectiveness of marketing campaigns by measuring ROI through detailed post-campaign analysis.
- Established strong partnerships with key industry influencers through networking at conferences, trade shows, and other events.
- Assisted in M&A due diligence efforts by conducting thorough evaluations of potential acquisition targets'' markets and competitive positioning.
- Contributed to annual strategic planning by providing expert guidance on market conditions, customer needs, and competitive landscape.
- Created a culture of data-driven decision making by promoting the use of key performance indicators and other metrics to monitor business performance.
- Led cross-functional teams to successfully execute market research projects, meeting tight deadlines and budget constraints.
- Analyzed data to uncover insights and identify key opportunities to inform strategic decisions.
- Researched and evaluated potential new markets and products.
- Created customized marketing materials to increase product awareness.
- Conducted primary and secondary research to better understand customer needs and behaviors.
- Utilized specialized software to capture and process data.
- Collaborated with cross-functional teams to develop and implement market research strategies.
- Used various market research tools and techniques to gather, analyze and interpret data.
- Tracked key performance indicators to measure success of campaigns.
- Collected and analyzed data from variety of sources to create detailed market research reports for top-level decision makers.
- Generated reports to support development and implementation of marketing plans.
- Tracked key metrics and developed spreadsheets and data models.
- Wrote engaging and successful marketing, advertising, and website copy.
- Assembled reports and presentations to share insights and recommendations with stakeholders.
- Established and managed relationships with external data providers and research vendors.
- Managed campaigns for various clients that consistently exceeded sales goals.
- Created and distributed surveys for data collection and analysis.
- Developed questionnaires and facilitated focus group discussions.
- Implemented and supervised market research projects from start to finish with focus groups, surveys and interviews.
- Devised data visualization dashboards to make complex data more accessible to stakeholders.
Branch Credit Manager
En Bank ( Eghtesade Novin Bank)
01.2013 - 03.2020
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Reviewed more than [Number] financial statements per month.
- Created marketing materials.
- Wrote reports detailing branch activities.
- Successfully managed complex credit restructuring cases, working closely with borrowers and internal stakeholders to develop mutually beneficial solutions that minimized losses.
- Reduced delinquency rates with proactive monitoring and timely intervention strategies for at-risk clients.
- Championed an organizational culture of continuous improvement by leading initiatives focused on enhancing operational efficiency in the credit approval process.
- Reviewed and approved large credit applications, exercising sound judgment in line with company policies and risk appetite.
- Established performance benchmarks and KPIs for the credit department, regularly monitoring progress and implementing corrective measures when needed.
- Held sales coaching sessions.
- Improved loan processing efficiency by streamlining credit analysis procedures and implementing standardized evaluation criteria.
- Collaborated closely with sales teams to develop targeted lending strategies that aligned with branch goals and objectives.
- Developed strong relationships with key business partners, fostering collaboration to drive branch growth and performance.
- Identified opportunities for business expansion through careful analysis of market trends and competitor offerings within the region''s commercial lending landscape.
- Designed comprehensive reports detailing portfolio performance metrics and recommendations for senior management review during strategic planning sessions.
- Conducted thorough risk assessments for complex loan applications, ensuring compliance with regulatory requirements and minimizing potential losses.
- Streamlined interdepartmental communication channels to facilitate seamless information flow between the branch''s sales, operations, and risk management functions.
- Maintained up-to-date knowledge of industry trends and regulatory changes, implementing necessary adjustments to maintain competitive advantage.
- Managed a high-performing team of credit analysts, providing guidance, training, and support for professional development.
- Achieved consistent customer satisfaction ratings through efficient resolution of issues related to loan applications or disbursement processes.
- Enhanced branch profitability by optimizing the credit portfolio mix and mitigating potential risks within lending activities.
- Strengthened underwriting standards by conducting regular audits of completed credit reviews and providing constructive feedback to analysts on areas for improvement.
- Implemented new technology solutions to improve data management capabilities, enabling more informed decision-making processes related to credit approvals.
- Increased net profit by [Number]% to exceed sales goals.
- Provided comprehensive training programs for new hires, ensuring a strong understanding of company policies, procedures, and risk management practices.
- Led team of [number] staff.
- Leveraged data analytics tools to better understand customer needs and preferences, refining branch lending strategies accordingly for maximum growth potential.
- Brought in more than [Number]% more customers in [Year] by identifying preferences and delivering desired services.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Streamlined processes for early identification of potential credit system and monitoring problems.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Developed strategies to expedite payments and customer resolutions.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Monitored accounts for signs of fraud and non-payment issues.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Reviewed and analyzed loan procedures.
- Provided training and consulted with struggling teams to help meet monthly target goals.
- Negotiated settlements and payment terms with customers and delivered customized payment plans.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Compiled data critical to analysis of annual bad debt.
- Optimized credit approval and collection processes, improving operational efficiencies by over [Number]%.
- Referred delinquent accounts to collections department or outside resources.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Used [Software] and [Software] to perform credit appraisals, document verification and loan approvals.
- Attended ongoing professional training to facilitate accurate and productive credit management.
- Recognized across organization for diligence, accuracy and contributions toward maintaining positive cash position through problem resolution.
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Provided resources and expertise for conversion, validation and training required for company-wide software updates.
- Checked payroll, vendor payments, commissions and other accounting disbursements for accuracy and compliance.
- Complied with established internal controls and policies.
- Developed strategic plans for day-to-day financial operations.
- Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports.
- Established internal audit procedures to validate and improve accuracy of financial reporting.
- Prepared internal and regulatory financial reports, balance sheets and income statements.
- Analyzed business processes to identify cost savings and operational efficiencies.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
- Utilized financial software to prepare consolidated financial statements.
- Improved overall financial reporting by streamlining control processes and reporting structures.
- Supported financial director with special projects and additional job duties.
- Implemented and regularly reviewed financial controls to generate accurate and reliable financial data.
- Established and checked coding procedures, monitored reports and updated internal files.
- Evaluated and negotiated contracts to procure favorable financial terms.
- Reviewed historical records, current operational data and forecasting information to identify and capitalize on system enhancement opportunities.
- Created financial dashboards to provide insights into key performance indicators.
- Designed and maintained financial models to identify and measure risks.
- Conducted financial due diligence on potential investments and acquisitions.
- Collaborated with C-level executives and stakeholders to develop long-term financial plans.
- Created and managed financial models to evaluate corporate investments and acquisitions.
Head of the Branch Fund
En Bank (Eghtesade Novin Bank)
11.2010 - 01.2013
- Self-motivated, with a strong sense of personal responsibility.
- Worked effectively in fast-paced environments.
- Skilled at working independently and collaboratively in a team environment.
- Proven ability to learn quickly and adapt to new situations.
- Excellent communication skills, both verbal and written.
- Worked well in a team setting, providing support and guidance.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Passionate about learning and committed to continual improvement.
- Worked flexible hours across night, weekend, and holiday shifts.
- Managed time efficiently in order to complete all tasks within deadlines.
- Organized and detail-oriented with a strong work ethic.
- Paid attention to detail while completing assignments.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Strengthened communication skills through regular interactions with others.
- Adaptable and proficient in learning new concepts quickly and efficiently.
- Learned and adapted quickly to new technology and software applications.
- Proved successful working within tight deadlines and a fast-paced environment.
- Developed and maintained courteous and effective working relationships.
- Demonstrated strong organizational and time management skills while managing multiple projects.
Customer Service Representative
EN Bank (Eghtesade Novin Bank)
11.2007 - 10.2010
- Managed high-stress situations effectively, maintaining professionalism under pressure while resolving disputes or conflicts.
- Resolved customer complaints with empathy, resulting in increased loyalty and repeat business.
- Handled escalated calls efficiently, finding satisfactory resolutions for both customers and the company alike.
- Responded to customer requests for products, services, and company information.
- Enhanced customer satisfaction by promptly addressing concerns and providing accurate information.
- Developed strong product knowledge to provide informed recommendations based on individual customer needs.
- Developed rapport with customers through active listening skills, leading to higher retention rates and positive feedback from clients.
- Assisted customers in navigating company website and placing online orders, improving overall user experience.
- Contributed to sales growth by upselling products and services based on individual customer requirements.
- Provided coaching and mentoring to new hires, contributing to their successful integration into the team.
- Addressed customer inquiries to ensure satisfaction and foster positive service experience.
- Coordinated with logistics department to expedite shipping for urgent customer orders.
- Boosted team morale by consistently recognizing colleagues' contributions and achievements.
- Trained new Customer Service Representatives on company policies, procedures, and best practices.
- Customized support strategies for high-priority clients to ensure their specific needs were met.
- Developed feedback system for customers to share their service experience, leading to actionable improvements.
- Updated company's FAQ section to include answers to common customer questions, reducing inquiry volume.
- Participated in training programs to enhance product knowledge and customer service skills.
- Improved resolution time with effective problem-solving for customer complaints.
- Analyzed customer service metrics to identify trends and develop strategies for improvement.
- Delivered exceptional customer service to every customer by leveraging extensive knowledge of products and services and creating welcoming, positive experiences.
- Exhibited high energy and professionalism when dealing with clients and staff.
- Investigated and resolved customer inquiries and complaints quickly.
- Delivered prompt service to prioritize customer needs.
- Responded to customer requests, offering excellent support and tailored recommendations to address needs.
- Maintained up-to-date knowledge of product and service changes.
- Met customer call guidelines for service levels, handle time and productivity.
- Provided excellent customer care by responding to requests, assisting with product selection and handling ordering functions.
- Reduced process inconsistencies and effectively trained team members on best practices and protocols.
- Liaised with sales, marketing, and management teams to develop solutions and accomplish shared objectives.
- Resolved associate, tool and service delivery issues revealed by statistical reports.
- Created and maintained detailed database to develop promotional sales.
- Optimized customer support by establishing collaborative service environments through targeted operational initiatives.
- Bolstered customer retention by creating and offering unique discount options and inspiring interest in new product lines.
- Collected and returned unpurchased or returned items to correct shelf locations and arranged displays to promote sales.
- Followed-through on all critical inter-departmental escalations to increase customer retention rates.
- Cross-trained and backed up other customer service managers.
- Implemented and developed customer service training processes.
- Increased efficiency and performance by monitoring team member productivity and providing feedback.
- Recommended, selected and helped locate and obtain out-of-stock product based on customer requests.
- Maintained clean and orderly checkout areas by mopping floors, emptying trash cans and wiping down surfaces.
- Increased efficiency and team productivity by promoting operational best practices.
- Monitored cash drawers in multiple checkout stations and maintained adequate cash supply.
- Trained staff on operating procedures and company services.
- Investigated and resolved accounting, service and delivery concerns.
- Cross-trained and provided backup support for organizational leadership.
- Calculated correct order totals, updated accounts, and maintained detailed records for inventory management.
- Enhanced productivity levels by anticipating needs and delivering outstanding support.
- Managed timely and effective replacement of damaged or missing products.
- Sought ways to improve processes and services provided.
- Trained new personnel regarding company operations, policies and services.
- Collaborated with staff members to enhance customer service experience and exceed team goals through effective client satisfaction rates.
- Developed highly empathetic client relationships and earned reputation for exceeding service standard goals.
- Followed up with customers about resolved issues to maintain high standards of customer service.
- Educated customers about billing, payment processing and support policies and procedures.
- Responded proactively and positively to rapid change.
- Promptly responded to inquiries and requests from prospective customers.
- Promoted superior experience by addressing customer concerns, demonstrating empathy, and resolving problems swiftly.
Education
Ph.D. - Business Administration
Islamic Azad University
Qazvin, IRAN09.2018
MBA - Executive Management
Islamic Azad University
Qazvin, IRAN09.2013
Associate of Arts - Accounting
Dr. Shariaty Technical And Vocational College
Tehran, IRAN09.2007
Diploma - Banking Affairs
University of Economic Studies
Tehran, IRan02.2004
Skills
- Friendly, Positive Attitude
- Teamwork and Collaboration
- Customer Service
- Problem-Solving
- Multitasking
- Multitasking Abilities
- Critical Thinking
- Computer Skills
- Organizational Skills
- Excellent Communication
- Calm Under Pressure
- Active Listening
- Organization and Time Management
- Decision-Making
- Problem Resolution
- Verbal Communication
Languages
English
Full Professional
Persian
Native or Bilingual
Certification
- Work Smarter With Microsoft Excel (Microsoft 365 ), Microsoft - 2024
- Work Smarter With Power Point (Microsoft 365 ), Microsoft -2024
- Work Smarter With Word (Microsoft 365 ), Microsoft -2024
Timeline
Expert Control and Revision Plans
EN Bank (Eghtesade Novin Bank)
11.2023 - 08.2024
Senior Market Research Analyst
En Bank (Eghtesade Novin Bank)
03.2020 - 11.2023
Branch Credit Manager
En Bank ( Eghtesade Novin Bank)
01.2013 - 03.2020
Head of the Branch Fund
En Bank (Eghtesade Novin Bank)
11.2010 - 01.2013
Customer Service Representative
EN Bank (Eghtesade Novin Bank)
11.2007 - 10.2010
Ph.D. - Business Administration
Islamic Azad University
MBA - Executive Management
Islamic Azad University
Associate of Arts - Accounting
Dr. Shariaty Technical And Vocational College
Diploma - Banking Affairs
University of Economic Studies
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