概要


An accomplished and result oriented professional with 13 years of  diversified experience in Islamic & conventional banking, this includes branch management, portfolio management, client management, team management, budget management, business development through excellence in customer services and affective internal controls.


工作经历

公司标识
Branch manager AVP-I
The bank of khyber
Jan 2022 - 代表 | Mardan, Pakistan

Business development and branch supervision

公司标识
Branch manager AVP-I
The bank of khyber Raast islamic banking
Jan 2022 - 代表 | Mardan, Pakistan

Branch Deposits, NTB , lending and profitability growth
Branch service quality maintenance.
Capacity building staff evaluation & supervision of day to day operations inline with shariah compliance.
Implementation of sbp policies & procedures.

公司标识
Manager Operations OG-I
Bank Of khyber raast Islamic banking
Dec 2017 - Dec 2021 | Mardan, Pakistan

o Expense/budget utilization
o Branch Annual Audit & compliance.
o Cash deposit ratio.
o Service quality standards implementation.
o Account opening in line with AML/CFT regulations.
o Reconciliation of GLs & other bank accounts balancing.
o ATM operations.
o Supervision of over all day to day operations as per shariah board instructions.
o Branch KPI growth.

公司标识
Branch Operations manager OG II
MCB Bank Ltd Main branch the Mall Mardan
Aug 2014 - Dec 2017 | Mardan, Pakistan

o Supervision of Team of 18 staff members.
Awarded by spot award in OCT 2014 and Apr 2015 respectively.
o Successful completion of certified branch operation manager training program in MCB learning and development center Islamabad.
o Got Above expectations rating for the year 2014 , 2015, and 2016 yearly appraisals.
o Ensure efficient & effective services delivery to the bank customers.
o Ensuring of operational risk minimization at the branch and is responsible for adherence to bank’s policies & procedures and compliance of regulatory requirement in all activities & transactions.
o Ensuring effective internal control on branch administrative affairs.
o Ensuring branch meet all KPI targets and branch resources are effectively utilized.
o Ensure effective implementation of policy regarding KYC/CNIC/AML in the branch with no exceptions.
o Monitoring of ATM Operations and ensure 95%+ uptime in branch.

公司标识
Customer Services & Operations Manager OG III
United Bank Limited (UBL)
Jan 2013 - Aug 2014 | Mardan, Pakistan

o Responsible for overall branch activities to be carried out strictly in accordance to SBP regulation & guidelines.
o Dealing with customer queries and assist all customers according to their needs, opening all types of deposit accounts and possessing as per policy.
o Leading, coaching & supervising customer services representatives, cash officers (Tellers) and other operational staff of branch and maintaining optimal branch score on the CS score card.
o Issuance, handling requisitions, custody, dispatch, destruction of Cheque Books and ATM cards/wiz cards/credit cards and other security stationary.
o Joint custodian of locker keys, Exercising effective dual control over cash along with daily monitoring of cash holding levels to attain optimum holding levels.
o Responsible for all inward and outward mails and stock management.
o Responsible for all depository accounts (claimed and unclaimed), verification of linking and de-linking of accounts, tagging, blocking, activation of accounts as well as management of dormant accounts.
o Perform/lead assigned staff in conducting financial and non-financial transactions and ensure branch profitability expense control and budgeting.
o Monitoring and processing of all activities pertaining to ATM operations and ensuring that ATM cash is balanced.
° Foreign currency management and reporting.
o Branch Audit handling, closing and reporting to concern department.

公司标识
Retail banking officer RBO OG III
United Bank Limited (UBL)
Jul 2011 - Dec 2012 | Mardan, Pakistan

o Account opening through (CAPS) and record keeping as per bank requirement..
o ATM Operations, Wiz/Debit cards, credit cards, pardes cards issuance.
o Remittances (Cash over the counter, Western union and Express Money).
o CBO (cheque books requisitions and delivery) as per policy.
o Checking and Supervision of Dormant account in coordination with CSOM.
o CASH MANAGEMENT - SBP monthly stock position reporting to SBP.
o Supervision of cash officers in coordination with CSOM.
o Assist operation manager in branch daily operations.
o Assist Branch manager in cross selling and retaining NTB customers.

公司标识
Marketing Executive
National institute of Research and Education (NIRE) peshawar
Nov 2010 - Jun 2011 | Mardan, Pakistan

o Meetings with the Top management of Private schools and NGO’s/INGO’s in Peshawar, mardan, nowshera and kohat cities for product presentations and development.
o Introducing NCE’s syllabus (books) and SSP (School support program) to schools and INGO’s/NGO’s.
o Events arrangement: Arrange Seminars, and Workshops to promote our products and create awareness of modern/early education.
o Ensure timely Admin/Logistics support to all clients and book sellers.
o Management of the Sales/promotion team to attract new potential clients.
o Provide sales Plan to business development executives.
o Supervision of sales/promotion team and obtaining daily reports from them.
o Arranging Teacher training for client schools and NGO’s ensuring that all the trainings are conducted in an effective way.
o Supporting the team of Master trainers in conducting training.
o Monitoring and consultancy visits to client schools and literacy Centers to ensure that School support program is properly implemented.
o Hiring of staff in consultation with the Director.
o Timely preparation and submission of consolidated monthly progress report to Director marketing.
o Coordination with schools / NGO’s and District Education Department for feedback reports and progress.
o Coordinating with head office Karachi in Products Promotion and improvement, and ensuring Stocks (books) availability in regional offices.

学历

Virtual University of Pakistan
学士, , MBA‎
Human Resource Management
所占比重 59%
2010
University of Peshawar
硕士, , B.Sc‎
Computer Science
所占比重 60%
2006
Board of intermediate & sec edu mardan
中级/A级, , F.Sc Pre-Engineering‎
PRE ENGINEERING
所占比重 64%
2003
Board of Intermediate and Sec Edu peshawar
大学入学/0级, , Matric in Science‎
Science
所占比重 74%
2001

技能

熟练 Account Management
熟练 Accounts Reconciliation
熟练 Accounts Software Command
熟练 Analytical Skills
熟练 Anti-money laundering (AML)
熟练 Audit Management
熟练 Bank Investment Operations
熟练 Banking
熟练 Branch Administration
熟练 Branch Banking
熟练 Branch Management
熟练 Branch Operations Management
熟练 Business Development
熟练 Cash Calculation
熟练 Client Followup
熟练 Commercial Business Command
熟练 Conflict Management
熟练 Customer Satisfaction Management
熟练 Deposit Growth
熟练 eBanking
熟练 Finance Administration
熟练 Financial Accounting
熟练 Financial Service Management
熟练 Funds Management
中级 Healthcare Education Promotion
中级 Hiring Team Building
熟练 Human Resource
熟练 Internal Controls
熟练 Islamic Banking
熟练 Islamic Finance
中级 Loans - Personal
中级 Loans Credit Cards
中级 Managing Midsize Teams - 5 to 20 People
熟练 Microsoft Outlook
熟练 Mobile Banking
熟练 Negotiation Skills
熟练 Operational Tasks Handling
熟练 Operations Management
中级 Pension Funds
中级 Pipeline Management
中级 Planning and Budgeting
中级 Quality Control
熟练 Quality Control Cutting
熟练 Quality Control Processes Command
熟练 Recruiting Strategy
中级 Regional Banks
熟练 Relations Management
熟练 Retail Products Knowldge
熟练 Sales Growth
熟练 Sales Management

语言

熟练 普什图语
熟练 英语
熟练 乌尔都语