Jessica Yoshika Premraj
Finance And Insurance Manager
Johannesburg,Gauteng Province
Summary
Experienced in managing multiple dealerships, both franchise and used, with a focus on finance and insurance. Registered Wesbank Finance and Insurance manager with a dual mandate to act on behalf of the bank and accountable institutions through section 13 certification with Insurewise. Strong interpersonal skills, self-motivation, trustworthiness, loyalty, and unwavering integrity drive success in all endeavors. Excellent communication skills and ability to comprehend complex situations, adept at providing solutions rather than dwelling on problems. Thrives under pressure, excels at meeting deadlines while maintaining a professional attitude. Adapts to unique personalities within a team, embraces change and finds innovative ways to enhance it. 15 Years of experience in the WesBank Motor Environment, extensive knowledge of the vehicle and asset finance market. Skilled motor expert (SME) leveraging expertise to support all divisions within the bank. Fais Accredited, NCA Accredited, RE5 Accredited, and holding a Level 4 Certificate in Banking and Level 5 Qualification in Banking. Bachelor of Commerce in Business Management with a focus on Finance. Proficient in Microsoft Excel, PowerPoint, and Word, as well as customer service and administration. Applies multi-disciplinary business principles to achieve successful outcomes in cross-functional projects. Recognized as a top achiever within the bank with exceptional returns on capital and profit. Prioritizes building and maintaining relationships while consistently achieving 100% compliance.
Overview
22
22
years of professional experience
2
2
Languages
Work History
Finance & Insurance Manager
WesBank
Johannesburg, Gauteng Province
01.2012 - Current
- Maintain and manage dealership reputation by building and maintaining customer rapport, answering questions, providing information, resolving discrepancies and dissatisfactions to maintain a satisfactory customer satisfaction index complying with federal, provincial and local regulations.
- Determine desire/need for vehicle financing by interviewing customer, exploring payment options.
- Implemented innovative financing solutions to secure favorable funding terms for clients by 80%.
- Confirm vehicle sales contract information by disclosing data, provisions, finance charges, and interest rates to customer, ensuring understanding of content.
- Verify vehicle purchase information by reviewing sales contract data, conferring with sales department and planning as needed
- Sell products and services by reviewing desire/need for credit insurance, extended warranties, anti-theft devices, appearance protection packages.
- Maintain customer confidence and organization stability by keeping information confidential and assisting others to comply.
- Prepare transaction documents by completing loan agreements, department of motor vehicle registration, related documents and verify details.
- Determining customer creditworthiness by studying customer credit application, obtaining credit reports, analyzing information, comparing customer evaluation to organization standards, searching for lenders in information system, forwarding applications to lenders, conferring with loan underwriters and loan processors.
- Accomplish organization goals by accepting ownership for accomplishing new and different requests, exploring opportunities to add value to job accomplishments.
- Provided expert advice on insurance options, tailoring coverage plans to suit individual client requirements.
Business Development Officer
WesBank
Johannesburg, Gauteng Province
07.2008 - 12.2011
- Generated new business with marketing initiatives and strategic plans.
- Boosted client satisfaction by identifying and addressing their specific needs through tailored business solutions.
- Completed and submitted monthly and yearly reports to support executive decision making.
- Streamlined internal processes through continuous evaluation of workflow efficiency, leading to improved organizational agility in responding to market trends by 50%.
- Collaborated with cross-functional teams for the successful execution of business development initiatives.
- Optimized sales processes for greater efficiency, reducing the time required to close deals.
- Performed client research and identified opportunities for account growth, account penetration and market expansion by 80%.
- Strengthened relationships with key clients by providing exceptional support and maintaining regular communication.
- Expanded market share by conducting comprehensive market research and competitor analysis.
Retail Banker
Absa Bank
Johannesburg, Gauteng Province
02.2003 - 07.2008
- Offered clients advice and guidance on digital and self-serve options to make banking easy, simple and fast.
- Complied with regulatory, legal and ethical requirements to protect bank assets.
- Kept current with financial services marketplace and legal and regulatory environment to uphold highest ethical requirements of industry.
- Assisted in the implementation of new marketing strategies, leading to increased foot traffic and account openings.
- Identified, marketed and recommended bank products and services to achieve individual sales.
- Increased customer satisfaction by providing personalized banking solutions and exceptional customer service by 90%.
- Enhanced overall client experience with prompt issue escalation and follow-up on outstanding concerns.
- Enhanced customer loyalty through proactive communication and timely resolution of issues.
- Maintained high levels of cash handling accuracy, ensuring proper documentation and adherence to compliance requirements.
- Participated in community outreach events, representing the bank positively while establishing valuable business connections within the local market area.
Education
High School Diploma -
Dundee High School
South Africa 11.1993 - 11.1993
Bachelor of Commerce - Business Management
Da Vinci Business School
South Africa 05.2023 - 05.2023
Skills
- People skills
- Operational efficiency
- Pricing strategy
- Effective strategizing
- Change management
- Financial planning
- Understanding organizational dynamics
- Time management
- Active listening skills
- Client support
- People skills
Area Of Residence
Fourways
Contact
Work: 0116328323
Mobile: 0828050727
Timeline
Bachelor of Commerce - Business Management
Da Vinci Business School
05.2023 - 05.2023
Finance & Insurance Manager
WesBank
01.2012 - Current
Business Development Officer
WesBank
07.2008 - 12.2011
Retail Banker
Absa Bank
02.2003 - 07.2008
High School Diploma -
Dundee High School
11.1993 - 11.1993
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