Summary

04 years plus experience, exposure and learning in Banking Industry, inclusive Customer Services and Operations. Encompasses the portfolio of Home Remittance Business Operations Management, Consumer Operations of Card Issuing Acquiring Business, Dispute Resolution Chargeback of Visa, Master Amex Card plus exposure of Data Entry Looking for a new challenging position to make best use of my existing skills and experience for enabling further personal and professional growth and development. To join a dynamic reputed and rapidly growing organization with a commitment to contribute for the optimal utilization of resources in order to accomplish the organization goals while developing and polishing my own career and satisfy my passion for learning and to secure a growth oriented position in a market leading organization, where my analytical, financial, research skill coupled with my Professional experience will add value to the organization

Experience

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Branch Operations Manager
Habib Bank Limited
Feb 2021 - Present | Hyderabad, Pakistan

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Teller Service Manager
Habib Bank Limited
Mar 2020 - Feb 2021 | Hyderabad, Pakistan

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Customer Service Officer
Habib Bank Limited
Mar 2019 - Feb 2020 | Hyderabad, Pakistan

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Cash Officer
Habib Bank Limited (HBL)
Jan 2017 - Mar 2019 | Hyderabad, Pakistan


Job Responsibilities
Customer Services
• Error free execution of all customer/branch based financial (cash receipt and payments) and all other non-financial transactions as per delegated authority and SOPs, to ensure accurate processing and optimum level of customer satisfaction.
Control and Compliance
•Implement all processes as per bank’s Standard Operating Procedures and agreed KPIs in order to ensure adherence to the policies and maintain branch performance. • Check and monitor the assigned branch operational reports to mitigate operational risk and help with the branch in attaining satisfactory audit rating
Branch Security
 • Safeguard the cash vault, stationery and ATM, while processing transactions, in order to maintain security and reduce the banks exposure to undue risk.
• Report suspicious transactions to the Branch Operations Manager or Manager Teller as and when required, to ensure further escalation to compliance in a timely manner.
• Ensure all charges are recovered as per Schedule Of Bank Charges (SOBC) from customers to avoid any financial loss.
Reporting
 • Maintain all cash related MIS / Cash Transactions Reporting on a timely basis as per defined policies, for facilitating reporting to the regulatory bodies (SBP) and senior management
Operational Execution
• Maintain cash in hand and Vault in accordance with State bank’s clean note policy and assigned cash-in-safe limits, to avoid regulatory penalties / payment of excess premium and to attain satisfactory audit ratings
• Ensure cash balancing are reconciled with cash on hand GL in all currencies to mitigate cash differences.

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Intern
Basic Development Foundation
Jun 2015 - Jul 2015 | Hyderabad, Pakistan

Six weeks internship

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Intern
Pakistan Telecommunication Company Limited (PTCL)
Jun 2014 - Jul 2014 | Hyderabad, Pakistan

Six weeks internship

Education

University of Sindh
Masters, Masters in Business Administration, MBA honours‎
Human resources Management
CGPA 2.8/4
2018
University of Sindh
Bachelors, Bachelors in Business Administration, BBA(Hons)‎
HRM and Information Technology
CGPA 3.1/4
2015
BISE Larkana
Intermediate/A-Level, , F.Sc Pre-Engineering‎
physics , chemistry , mathematics
Percentage 66%
2011
BISE Larkana
, Matric in Science‎
Percentage 78%
2009
BISE Larkana
Matriculation/O-Level, , Matric in Science‎
Science
Percentage 78%
2009

Skills

Intermediate Accounting
Intermediate AML
Intermediate Analytical Skills
Intermediate Anti Money Laundering
Intermediate Anti-money laundering (AML)
Expert Branch Management
Intermediate Complaint Management
Expert Cooordination Skills
Expert Customer Relationship Management
Expert Customer Service Skills
Expert Effective Working Relationships
Expert Excellent Interpersonal Skills
Intermediate Export Consignments
Intermediate Finance Knowledge
Intermediate Finance Reporting
Intermediate Fund Accounting
Intermediate Harassment
Intermediate ISBP
Expert Microsoft Office 1
Intermediate MS Excel
Expert Official Tasks Handling
Expert Oral And Written Communication Skills
Intermediate Record Keeping
Intermediate SBP Products
Intermediate SBP Regulations
Expert Security Principles
Intermediate SMA
Expert Special Effects
Intermediate Swift
Expert Team Player
Intermediate Transaction Monitoring
Intermediate Turbine Monitoring
Intermediate UCP
Expert Working Experience of Screening System
Intermediate Written Oral and Communication

Languages

Intermediate Urdu
Intermediate English

Ghulam Contacts

Muhammad Azam
Habib Bank Limited (HBL)