Naj Ayubi
Harrow
Summary
Results-driven finance and operations professional with over a decade of experience in commercial banking, credit risk analysis, and client relationship management. Adept at structuring lending solutions, driving portfolio growth, and optimising banking operations. Proven track record of collaborating with stakeholders to deliver seamless client experiences and exceed financial targets.
Overview
12
12
years of professional experience
Work History
Relevant Experience: Commercial Analyst
Metro Bank
Reading
05.2017 - 12.2018
- Supported Commercial Relationship Managers in structuring lending solutions for commercial clients across West London and Thames Valley, contributing to £12M in net lending growth (171% of £7M target).
- Conducted in-depth financial and credit risk analysis, presenting findings to senior management and underwriting teams.
- Collaborated with brokers, surveyors, and legal teams to ensure efficient deal execution.
- Utilised Experian, Equifax, and Power BI for data-driven risk management and financial insights.
Local Business Manager
Metro Bank
London
01.2015 - 05.2017
- Managed a portfolio of 1,500 business accounts, driving £32M in deposit growth (from £8M baseline) through proactive relationship management.
- Sourced new business via networking, referrals, and targeted outreach, strengthening client acquisition.
- Conducted annual portfolio reviews, ensuring robust client engagement and risk oversight.
Current Experience: Performance Manager (Contract)
AMZL (Amazon Logistics) Delivery Service Partner
London & South East England
09.2021 - Current
- Enhanced operational efficiency across nine Amazon sites, managing DSP performance metrics and leading continuous improvement initiatives at Wembley Depot.
- Analysed KPIs to implement strategic solutions, improving logistics operations and stakeholder collaboration.
- Streamlined onboarding, recruitment, and compliance processes for independent contractors.
Customer Service Representative (Business CSR)
Metro Bank
London
03.2013 - 01.2015
- Acted as a key escalation point, supporting business clients with complex banking needs and product recommendations.
- Led onboarding for commercial accounts, adhering to KYC, KYB, and AML regulations.
- Contributed to the rollout of new banking technologies, enhancing client and user experience.
Area Manager (Contract)
AMZL DSP: Bryanston Logistics
London & South East England
09.2020 - 09.2021
- Oversaw last-mile delivery operations across five Amazon sites, managing 630 weekly routes while ensuring adherence to performance standards.
- Introduced workflow systems to boost efficiency and service quality under tight deadlines.
Operations Manager (Contract)
AMZL DSP: ACE Delivery Solutions
London
01.2019 - 09.2020
- Directed logistics operations at Wembley Depot, overseeing 80+ routes and 16,000 weekly shipments.
- Developed training and performance plans to enhance staff efficiency and ensure regulatory compliance.
Education
Bachelor of Arts - Business Organisation
University of Hertfordshire
HatfieldSkills
- Commercial Banking & Lending Solutions
- Credit Risk & Underwriting
- CDD/EDD, KYC/KYB & AML Compliance
- Financial Data Analysis (Power BI, Experian, Equifax)
- Business Development & Portfolio Growth
Affiliations
- Voluntary Work: Events Volunteer, Pield Heath House School; Participant, Big Sleep Out (2018, 2019).
- Interests: Weekly football, outdoor photography, travelling.
Languages
English
Native
Dari
Native
Persian
Beginner
German
Intermediate
Hindi
Elementary
Timeline
Current Experience: Performance Manager (Contract)
AMZL (Amazon Logistics) Delivery Service Partner
09.2021 - Current
Area Manager (Contract)
AMZL DSP: Bryanston Logistics
09.2020 - 09.2021
Operations Manager (Contract)
AMZL DSP: ACE Delivery Solutions
01.2019 - 09.2020
Relevant Experience: Commercial Analyst
Metro Bank
05.2017 - 12.2018
Local Business Manager
Metro Bank
01.2015 - 05.2017
Customer Service Representative (Business CSR)
Metro Bank
03.2013 - 01.2015
Bachelor of Arts - Business Organisation
University of Hertfordshire
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