Summary

I am a highly motivated and result oriented Banking Relationship Manager with 10+ years of experience in building and maintaining effective customer relationship, developing sales and marketing goals & objectives, reviewing customer portfolio, promoting and selling banking products, cross selling products, managing financial risks and banking portfolio. I am instrumental in providing tailored banking solutions, planning daily operations, facilitating and coaching staff on sales modules, and leading skilled teams. Astute in identifying performance gaps and recommending solutions that align business and financial plans and deliver ground-breaking results. Skilled in managing control process for Banks and conducting regular audits to access risk management. Leverage customer service, problem solving, and communication skills to deliver exceptional results. Maintain effective client relationships, and deliver solutions aligned with customer’s specific needs. Elite communicator with the ability to translate leadership vision into executable plans for teams.


My key skills include Banking Operations Management, Business Planning & Analysis, Financial Management, Credit Risk Analysis, Sales, Risk Mitigation/Assessments, Client Relationship Management, Cross Functional Skills, Strategic Planning & Analysis, Customer Service, Executive Communication and Microsoft Office


My professional background and great industrial exposure coupled with an excellent track record makes me an ideal candidate for executive roles. As such, I would welcome a discussion regarding opportunities with your organization that fit my background.

Experience

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Advocate High Court/Associate Lawyer
Global Law Service
Apr 2019 - Present | Sialkot, Pakistan

Working as Advocate High Court and Lower Courts.
·         Work as an Associate Lawyer for a reputed Law firm Global Law Services where I gain considerable experience in the field of civil and banking law.
·         Understand new concepts and develop innovative and creative solutions to the legal issues.
·         Establish and retain excellent working relations with the public, private, and business organizations to implement community oriented policing objectives and resolve problems in a timely manner.
·         Formulate legal documents, identify problems, analyze issues, and recommend resolutions.

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Audit Manager
Qaiser Group of Electronics
Aug 2018 - Mar 2019 | Sialkot, Pakistan

Joined Qaiser Group of Electronics as an audit manager. I am acting as an advisory by recommending possible risk aversion measures and cost savings that could be made.
Key Responsibilities:
·         Implemented internal audit control procedures, examined financial managerial accounts, appraise accounting procedures and policies, and resolve technical accounting issue.
·         Ensured policy and regulatory compliance with key controls, integrity of records and application systems as well as pre-disbursement verification of credit documentation; detect operational, fraud and business losses.
·         Analyzed all the financial records like expenses, income, receivables, and taxes etc.; accurate and paid properly on time.
·         Assured organizations risk management, governance and internal control process are operating effectively.
·         Evaluated and improved the effectiveness of risk management, control and governance process.

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Relationship Manager
JS Bank Limited
Jan 2015 - Jun 2018 | Sialkot, Pakistan

Joined JS Bank limited as a Relationship Manager and responsible for mobilizing and managing deposit portfolio, assisting branch manager and operation manager for daily branch operations.
Key Responsibilities:
·         Provided information and description of multiple products to educate consumers on market trends and interest rates. Created high performing, sales culture, and incorporated sales strategies to expand market.
·         Processed client’s applications including issuance of P.O. /D.D., Bank Statements, Bank Certificates, Internal Transfers, Cheque Books/Debit Cards.
·         Efficiently managed daily operational standards relate to account opening and internal documentation like KYC and Pre-Screening.
·         Ensured compliance with internal controls, local policies and KYC while performing operational related functions on the system.
·         Followed and ensured conformity with compliance, SBP and other local regulations.
·         Created new business deals with the help of existing clients.
·         Accomplished and sustained MIS & record.
·         Served clients and developed long term banking relationship.

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Relationship Manager
AlBaraka Bank Pakistan limited
Jun 2009 - Jan 2015 | Sialkot, Pakistan

Joined Albaraka Bank Pakistan limited formerly Emirates Global Islamic Bank as Relationship Manager and responsible for sales plans and sales target, compliance and performed additional duties of trade.
Key Responsibilities:
·         Performed a wide range of banking transactions in a timely, accurate, and efficient manner, ensuring superior customer service and compliance with all banking regulations, policies, and procedures.
·         Sustained high level of professionalism, integrity, customer satisfaction and sales growth by utilizing a diversity of marketing methods; address needs and requests, adhered to customer service standards and protocols.
·         Controlled and managed attrition by understanding customer needs and endeavor to meet the same.
·         Development and execution of structured sales plan based on sound knowledge of both market variables and customer needs.
·         Relationship management, including exercising KYC and servicing needs and requirements.
·         Produced leads for various cross sell products.
·         Followed and ensured conformity with compliance, SBP and other local regulations
·         Ensured compliance with internal controls, local policies and KYC while performing operational related functions on the system.
·         Flourished in cross sell Rehnuma and Sarparast.

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Relationship Manager
Citi Bank
Jun 2008 - May 2009 | Sialkot, Pakistan

Served Citi Bank N.A as Relationship Manager for 1 year and responsible for portfolio management, servicing, structuring deals and account mobilization.
Key Achievements:
·         Developed and strengthened professional working relationship with a wide range of customers, by meeting and exceeding customer expectations and requirements within the department.
·         Achieved a liability portfolio of 110 Million from 120 High Net Worth relationships between clients and the bank.
·         Consistently exceeded sales target by 20%.
·         Flourished in cross sell, Credit Cards, Auto Loans and saving plans.
·         Succeeded in delivering courteous and efficient service to internal/external customers in timely manner, understanding and application of quality management principles.

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Personal Banker
Citi Bank
Jun 2006 - Jun 2008 | Sialkot, Pakistan

Joined Citi Bank N.A as Personal Banker and responsible for portfolio management, servicing, structuring deals and account mobilization.
Key Achievements:
·         Opened highest numbers of accounts among the team.
·         Did the compliance part of the banking timely and efficiently.
·         Kept the CASA TB brake up to 70% & 30% accordingly.
·         Worked as back-up of Manager External Sales.

Education

Preston University
Masters, , EMBA Current and BS completed‎
Computer Languages
CGPA 2.5/4
2010
University of Punjab
Bachelors, Bachelors in Law, LLB‎
LAW
Grade B
2007
University of Punjab
Bachelors, Bachelors in Commerce, BCOM‎
Accounting, Marketing, Economics & Mathematics
Grade B
2003

Skills

Intermediate Accounting Skills
Intermediate Administration Knowledge
Intermediate Answering Inquiries
Expert Aseptic Technique Knowledge
Intermediate Auditing Skills
Expert Bank Management
Expert Banking
Intermediate Book Keepinf
Expert Branch Accounting
Intermediate Branch Administration
Expert Branch Banking
Intermediate Branch Management
Intermediate Branch Operations Management
Intermediate Branch Support
Intermediate Branch Support.
Expert Buisness Development Skills
Expert Business Analysis
Expert Business Development Process
Expert Business Development Strategies
Expert Business Problems Analysis
Expert Client Acquisition Skills
Expert Client Followup
Expert Commercial Banking Knowledge
Intermediate Communication Skills
Expert Conservation Awareness
Beginner Creative Abilities
Expert Customer Acquisition
Expert Customer Operations
Expert Customer Service
Expert Export Development
Expert Financial Analysis And Reporting Skills
Expert Fincane Reporting
Expert Global Business Development
Intermediate Google Spreadsheets Knowledge
Expert h Operations Management
Intermediate Handling Assignments
Expert Inspections Implementation
Intermediate Korean Teaching
Expert Lab Knowldge
Expert Lead in
Expert Leadership Skills
Expert Loans Business
Expert Manages task
Expert Marketing Abilities
Intermediate Marketing and Sales
Expert Negotiation Skills
Expert Operational Tasks Handling
Intermediate Oral Written and Communication
Intermediate Organizational Leadership
Expert Production Quality Monitoring

Languages

Expert Urdu
Expert English