خلاصہ

I am a seasoned banking professional with 25+ years’ experience in consumer banking, regional management, covering lending, deposits, banking product & service sales, and wealth management with a previous grounding in Islamic, retail, and commercial banking. Results-oriented, highly motivated, and credible Manager of Retail/Commercial Banking with extensive experience and expertise in investment, commercial banking, relationship management, portfolio & risk management, credit assessment, transaction structuring & closure, and fraud risk assessment. Well-versed in initiating and implementing strategies to determine intelligent growth of the portfolio and develop compelling credit requests through proper client interaction. Proven track record of accelerating revenue growth through strategic and tactical development of structural operations to drive business growth and market development fostering performance improvement. Capitalize on cross-functional team leadership examining economic trends and profitable areas of growth.


My key skills include Financial & Investment Portfolio Management • Banking Product Management & Sales • Branch Revenue Growth • Industry Networking & Relationship Building • Competitive Market Positioning • Full Product Life Cycle • Policies & Procedures Compliance • Turnaround Management • Productivity Enhancement • Meeting Coordination • Communications Skills • Problem-Solving


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.

پراجیکٹس

Consumer Financing

تجربہ

کمپنی کا لوگو
Regional General Manager
Faysal Islamic Bank Limited
مئی ۲۰۲۱ - موجودہ | Multan, Pakistan


Achieved Monthly, Quarterly, and Annual Business, and KPIs Targets in regions of D.G Khan starting from Jampur, Rajanpur, Taunsa, Bhakkar, Muzaffargarh, Alipur, Rohilanwali, Kot Addu, Layyah and Kotla Jam.
Built and trained Sales Team and supported in achieving daily, monthly, quarterly, and yearly business Targets; visited all branches in region to meet staff and high-profile customers to boost up business and improve the profitability of bank.
Facilitated Management in Network expansion plan for Islamic Banking; also ensured the deployment of the standard of quality services to customers set by the bank and ensured a healthy working environment in branches.

کمپنی کا لوگو
Regional Head Business, Islamic Banking Group
Allied Bank Limited
جولائی ۲۰۱۵ - مئی ۲۰۲۱ | Multan, Pakistan


Managed Largest Geographically Region Sahiwal, Vehari, DGK, Multan, Bahawalpur Jhang, and Faisalabad also achieved all Monthly, Quarterly and Annual Business and other KPIs Targets allocated by Management from time to time.
Delivered sterling support to Management in the Network expansion plan for Islamic Banking; visited Branches in Region to meet staff and high-profile customers, optimize business growth and improve profitability.
Ensured delivery of standard quality services to customers set by bank and healthy working environment in all branches.

Achievements & Awards:

Achieved and surpassed the growth of the Central II Region in Deposits to 104% in a year.
Benchmark of 5 Billion in CASA deposits was achieved in the year 2020.

کمپنی کا لوگو
Regional Head Distribution, Retail Banking
NIB Bank Limited
اکتوبر ۲۰۱۳ - نومبر ۲۰۱۴ | Multan, Pakistan


Exceeded all delegated monthly and quarterly business targets of Bancassurance, Fixed Investment in T Bills and PIBs, Foreign Trade Business, and Car Finance.
Partnered with BMs and RMs for generating NTB and ETBs and leveraged a keen insight while performing detailed visits to branches for mobilization of business and to check the standard of quality services in branches.

Achievements & Awards:

Demonstrated the versatility and expertise needed to methodically ensure overall growth of Multan Region in Deposits maintained above 140% in a year and growth of Multan Area in current deposits maintained to above 116% in a year.
Managed significant challenges associated with the emerging business by beating growth in Profit and Car Finance sales.
Qualified for the Bancassurance Sales campaign of the Bank and won Malaysia Convention in April 2014.
Qualified for Current Deposit Campaign and won Rs.100K Cash Prize for Multan Region.

کمپنی کا لوگو
Area Manager, Islamic Banking Group
Bank Alfalah Limited
جولائی ۲۰۱۱ - ستمبر ۲۰۱۳ | Multan, Pakistan


Produced, reviewed, and shared feasibilities to H.O to open new branches in the Area under the network expansion Plan of the Bank; launched new vision branches equipped with all accessories and staff in the prescribed time period.
Formulated and controlled business budgets for branches, ensured their achievements through monthly, quarterly, and Yearly Targets assigned to Branches, as well as branches obtaining minimum Satisfactory Audit Ratings.
Hired enthusiastic, dynamic, and aggressive staff for new and existing branches who may add quality to the organization.

Achievements & Award:

Multan Area initially started with eight branches of Islamic Banking which grew to fourteen branches with potential profits.
Successfully added six new branches in Multan Area which grew rapidly and added value business to the bank.
Turnaround six branches out of eight launched in Multan into profit in two years’ time by Sept 2013
Maintained growth of Multan in Deposits +148% in 2011-12 whereas average growth of the Bank was 30%.
Reached Growth of Multan Area in Current Deposits more than 104% in 2011-12.
There was enormous growth in Profit, Trade Finance Business, Advances, and Car Ijarah sales.
Winning Car Ijarah Sales campaign of the Bank for 2012 & 2013 and won Thailand Trip with entire team in Feb 2013.
Qualified for first Bancatakaful Sales campaign of the Bank and won two tickets for Cape Town Convention in July 2013.
Arranged Three Islamic Banking Seminars of Shariah Advisor in Multan for the awareness of customers and staff in 2012.
Conducted various Town Hall sessions for Regional Manager/ Group Head/CEO for the motivation and grooming of staff.
Organized Annual Closing Dinners for all staff to give pat on their back with a token of appreciation awards to boast up their moral and to motivate others to follow them. 

کمپنی کا لوگو
Branch Manager, Islamic Banking Group
Bank Alfalah Limited
جولائی ۲۰۱۰ - جون ۲۰۱۱ | Multan, Pakistan


Instrumental team leader, mentor, and strategist in charge of Bosan Road branch Multan with a Total Deposit Portfolio of Rs.300 Million and handed over Charge of the branch with Deposit Portfolio of Rs.740 Million in one year.
Researched numerous verticals to introduce 5 new Corporate Customers to the Bank and enhance business with existing potential customers as well with a record growth of more than 200% in Advances and Profitability.
Steered efforts towards improving the profitability of the Branch from Rs.11 Million to 34 Million in one year.
Improved Audit Rating of the branch with distinction of Good Audit rating in Advances and Trade Finance Departments.
Won 4 CASA Deposits Bonuses in four Quarters & Cash Bonus for Best branch in-car Ijarah Sales in 2011

تعلیم

Phillipines Christian University Manila Phillipines
ماسٹرز, , MBA‎
Finance & Marketing
1994
Bahauddin Zakariya University
بیچلرز, بیچلرز ان سائنس, B.Sc‎
درجہ C+
1991
BISE
انٹرمیڈیٹ / اے لیول, انٹرمیڈیٹ ان جنرل سائنس, F.Sc‎
فی صد 58%
1989
Federal Board
میٹرک / او لیول, سائنس, Matric‎
فی صد 60%
1987

پیشہ ورانہ مہارتیں

ماہر Accounts Administration
ماہر Administration Knowledge
متوسط Automotive Products Knowledge
ماہر B2B Sales
ماہر Branch Support
ماہر Build Strong Teams
ماہر Business Development Strategies
ماہر Conflict Prevention
ماہر Feedback Assessment
ماہر Finance Reporting
ماہر Fluentent in English
ماہر Handling Assignments
ماہر Innovative Business Skills
ماہر Managing Large Teams =
ماہر Marketing Stratergies
ماہر Oral Communication Skills
ماہر Proactive Approach
متوسط Product Development SKills
ماہر Record Keeping
ماہر RESTful APIs
ماہر Sales Automation
ماہر Team Motivation
ماہر Trouble shooting Challenges
ماہر Twitter Knowledge
ماہر Vape Knowledge
ماہر المبيعات عبر الهاتف

زبانیں

ماہر اردو
ماہر انگریزی

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