WORK EXPERIENCE:

Albaraka Bank
Pakistan Ltd: Branch Manager (October 2017 to Date)


PRINCIPALACCOUNTABILITIES


Sales
• Agree on the business plan for Islamic Banking Business through branch/remote locations with the Head of Bank and subsequently cascade the same with the individual staff members in the branch to support the achievement of the business goals of the branch.
• Identify new segments for Islamic products to enhance product volume targets related to Islamic banking.
• Contribute to the acquisition of business for the branch by marketing and cross selling the bank’s services and products to the existing and potential customers.
• Branch Net Profit
• Product volume target achievements.






Services and Quality
• Ensure strict adherence to laid down procedures and SLAs to avoid delays, errors, irregularities and risks to improve service standards on continuous basis to support the Bank’s quality initiatives and to improve customer satisfaction.

• Champion the centralization process and support other bank-wide initiatives to enhance the operational efficiency across the Bank.



People
• Monitor the performance of the staff members through periodic reviews and provide them with factual feedback to ensure that targets are met or exceeded to foster a high performance culture
• Ascertain the development needs of staff members and train them coaching and counseling to ensure that they are capable of realizing their potential and to meet the financial and non-financial objectives of the branch.



Others
• Responsible to provide full support and cooperation to auditors during branch audit as per the standards required by Head banks. Ensure to comply with the audit requirements, internal and
External reporting obligations etc. in line with the policy guidelines.

• Enhance the branch’s business by increasing the number of profitable accounts/relationships and increase revenue & profit.
• Plan manages and executes a strategy to achieve target financial results and a quality service in line with bank’s benchmarks.
• Act as a mentor and role model for all staff educating /providing timely guidance in execution of work with specific reference to the laid down policies/procedure of the bank and SBP directives.
• Ensure compliance to all the internal policies and procedure.
• Set specific, measurable, attainable and realistic & time-based goals for staff working under his administrative control.
• To ensure retention and growth in share of customer base to maintain and increase profitable business by consistently meeting their genuine request exceeding customer’s expectations.
• Any other assignment given by the Head-Business/ management.

Operational Excellence:
• Implement strategy and action plans to improve audit rating of the branch (Minimum Satisfactory along with achieving set targets for the Branch.
• Implement AML policies in light of in Prudential regulations and emphasize on due diligence of all transactions in the branch.
• Ensure Operational Standards and procedures are complaint with policies and SBP Regulations to have effective audit and control environment.
• Manage the cash position, checking of bank activity reports monitoring of suspense and reconciliation of accounts as per the Bank operation manual.
• Manage clearing remittance, collections, online operation, Cheque Book and ATM issuances in correct procedure to mitigate the risk involved.
• Review all GL Accounts on Periodical basis to insure that all the amounts are parked in relevant heads and no un-reconciled amount is appearing in trail balance.
• To supervise/sing various reports/ statements to be sent to HO and Regulatory Authority and including SBP.

In charge of the sales staff of the branch. Managing and leading bank sale staff to deliver exceptional customer service in a Layyyah branch. Working hard to bring in new customers as well as retaining old customers and boost the bank’s profits.
• Identifying the needs of customers and then working hard to meet or even exceed them.
• Working hard to market and sell the banks products.
• Monitoring customers accounts.
• Maintaining all quality and procedural standards within the branch.
• Setting and achieving targets.
• Keeping an eye on competitor activity.
• Implementing policies that build trust between the banks and its customers.
• Motivating and leading the bank sale staff.
• Visiting business customers’ places.
• Opening of Accounts as per prudential regulation and completing their formalities.
• Issuance of bank statements/Cheque book.
• Issuance of new lockers and locker operation.

• Opening of Accounts as per prudential regulation and completing their formalities.
• Issuance of bank statements/Cheque book.
• Issuance of ATM cards.
• Customer Handling and solving their queries.
• Responsible for preparing pay orders and maintaining all records.
Responsible for preparing Demand Drafts and maintaining all records

Indenting, procurement and maintenance of office supplies efficiently & effectively, in order to ensure continuous availability, making payments to vendors according to bank’s manual & operational Guidelines.
 Preparation, Maintenance and updating of Employee’s personal files, & to help branch management to right performance appraisals of employees.
 Maintenance, Updating and Custody of Attendance Record, Leave Record, off time Visit Register and correspondence related to Human resource.
 To obtain Group life insurance, Hospitalization insurance covers for all the employees on bank’s payroll.
To deal with all issues regarding the outsourced Staff deputed at Branch

• Keep updated regarding bank’s policies and procedures, SBP’s instructions pertaining to cash handling and ensure their compliance
• Maintenance of cash in/cash out register
• Cash transactions handling with cash management cells or the main branch
• Monitor cash sorting in strict adherence to SBP’s procedures and guidelines
• Arrange insurance coverage for excess cash in premises
• Balance the cash books before leaving the seat during the day and the day end
• Inspect the balancing of stock of stamps on daily basis
• Assist the cashiers in their daily transactions and effectively resolve any problems arising from interactions with internal and external customers
• Manage prize bonds and petty cash transactions
• Ensure that books are balanced and reconciled with G/L balances and physical cash
• Monitor FCY cash for proper disposition
Transport of cash from and to vault room & supervise cash handling by Security Company transporting cash
• Verify cash sheets of cashiers and supervise withdrawal above prescribed limits. Ensure recovery of all charges pertaining to cash handling transactions as per BAL’s schedule of charges.