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概要
Banking Service - Branch Manager
Creative, solution-oriented and innovative Banking and Customer Services Expert having experience of more than 13 years with extensive knowledge of banking compliance, customer experience management in large banking institutes.
Comprehensive experience in management and leadership roles with extensive knowledge in the areas of banking operations management. A banking Leader who combines a strategic, customer-focused, and operational mindset with financial management to maximize revenue, profitability, cash flow, and shareholder value. Strong analytical skills with portfolio analysis, loss forecasting expertise, and understanding of financial reporting have delivered superior transparency with credibility to the bank. Proven track record in hiring, mentoring, motivating, and retaining high performing personnel who thrive in a culture of continuous improvement. Astute assessments and decisions have consistently engendered exceptional confidence and support by bank line and credit executives. Multi-lingual with operational command over English, Urdu, Sindhi, Siraiki, and Balochi.
Proven track record of developing customized financial strategies and solutions to meet the needs of clients and ability to diagnose and report issues to return organizations to economic stability.
Additional strengths in business development, banking compliance policies, Correspondent Banking, monitoring and analyzing sales trends.
Expertise in accurately evaluating financial data (investment portfolio, financial products, market data, business plans, industry trends, loan documentation) to drive sustained organizational performance.
Adept at developing, growing, transforming and managing high-volume service units into high performing teams through strong leadership and effective communications, facilitating leadership to junior staff right through to being able to successfully sell the money, credit and products of a bank.
My key skills includes Banking Operations & Services, Customer Service & Relationships, Financial Portfolio Forecasting, Banking Regulation Compliance, Auditing & Assurance Experience, Banking Products Management, Loan & Deposit Acquisition, Financial/Functional Transactions, Deposit / Withdrawal Monitoring, Banking Application/System and Cross-Functional Team Leadership
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.
工作经历
Branch Manager
Enter Description
Senior Branch Manager
· Directed all routine operations of branch include operation, administration, marketing, training, lending and security of the branch, initiated employee-focused environment to accomplish financial and service objectives.
· Planned branch functions with focus on acquisition of loans and deposits and operate within the assigned budget; executed financial/functional transactions with utmost efficiency and retaining the integrity of the process.
· Arranged approvals of loans while driving the branch portfolio towards ENR Growth; ensured safety and security of location cash, collateral and other critical branch records within the location.
· Ensured functionality of CCTV camera at all times and ensured SOPs implemented, managed safe and secure custody of cash, maintained cash on counter and reserved in safe within specified insurance limit.
· Ensured appropriate balance between tactical and strategic demands (loans and deposits) to achieve the self-funding status of the branch and take full responsibility of branch as revenue center.
· Actively engaged with community and build brand image of Telenor as a world class Micro Finance bank. Eliminated security hazards and maintaining cleanliness of branch at all times commensurate with the image of Telenor.
· Exercised hands-on approach to maintain/ check / sign off MIS to monitor daily deposit / withdrawal, no. of transaction and record the error rate, also provided routine reporting to upwards and to other related executives.
Key Deliverables:
· Achieved and surpassed the sales/ Recovery targets of each month, drove branch portfolio towards ENR Growth, retained delinquency as per branch standards, also maintained the deposits and the ratio of CASA.
· Partnered with the Operation Managers /Relationship Managers and the sub ordinates, built relations with external vendors for all administrative and operational activities and ensured compliance to regulations.
· Managed vault and branch keys at all times, updated key register in the case of absence, also organized the recovery and collection process to maintain the delinquencies and losses within the specified limits of the assigned goals.
Branch Manager
· Actively responded to all complaints and provided solutions in compliance with defined procedures; maximized revenue generation, contain cost of running the branch, and ensure expenses within allocated budget.
· Addressed all External/Internal audits & SBP Inspection findings/comments and devised appropriate controls;
· Ensured Loan monitoring (Pre & Post disbursement) and supervision of loan documentation, as well as effective and standardized internal control, and report as per FMFB Policies and SBP regulations.
· Developed staff performance on FMFB products/processes and ensure refreshing staff knowledge; ascertain the training and development needs, beyond branch capability and recommend appropriate courses to close skill gap.
Key Deliverables:
· Leveraged keen insight to identify potential customers and ensure business growth to achieve assigned liability & assets product sales targets, carried out General Banking Operations, advances verification and Supervision.
· Managed significant challenges associated with the branch Profitability through sustainable business growth, effective portfolio management including controlling the delinquency.
· Led Branch/distribution channel management and routine planning for client acquisition, client retention, and cross-selling techniques and payment collection scheduling and account/portfolio reviews.
· Supervised Branch sales (both asset and liability products), reporting requirements, compliance with pre-defined service standards, accurate and efficient reporting abilities to the concerned authorities.
