概要

Having 15.5 years Microfinance Banking Industry Experience with Healthy Productivity  performance & in depth Knowledge about Sales and Marketing, Credit Assessment and general Banking and Administration.

工作经历

公司标识
Assistant Manager
U Microfinance Bank Limited
Jul 2022 - Nov 2023 | Trinda Mohd Pannah, Pakistan

Key ResponsibilitiesStrategic Planning Develop and implement operational strategies aligned with the overall goals andobjectives of the microfinance bank. Contribute to the development of long-term plans and policies.Process Management Streamline and optimize operational processes to enhance efficiency and reducecosts. Design, implement, and monitor operational policies and procedures.Risk Management Identify and assess operational risks and implement measures to mitigate them. Ensurecompliance with regulatory requirements and industry standards.Financial Management Monitor and manage operational budgets. Oversee financial transactions, ensuringaccuracy and compliance with accounting principles.Technology and Systems Implement and maintain technology systems that support efficient operations.Stay abreast of technological advancements and recommend updates or improvements as needed.Customer Service Ensure high-quality customer service by overseeing front-line operations. Implementmeasures to improve customer satisfaction and retention.Team Management Recruit, train, and supervise operations staff. Foster a positive and productive workenvironment. Set performance goals and conduct regular performance evaluations.Reporting and Analysis Generate and analyze operational reports to identify trends and areas forimprovement. Provide regular updates to senior management on key performance indicators.Compliance and Legal Matters Ensure compliance with regulatory requirements and legal standards.Liaise with regulatory authorities and address any compliance issues.Collaboration Collaborate with other departments, such as finance, credit, and risk management, to ensurecoordinated efforts across the organization. Foster effective communication and collaboration amongdifferent teams.

公司标识
Operation Manager
Khushhali Microfinance Bank Limited
Jan 2018 - Jul 2022 | Zahir Pir, Pakistan

公司标识
Cash officer
Khushhali Microfinance Bank Limited
Jan 2017 - Jan 2018 | Ahmadpur East, Pakistan

Key ResponsibilitiesCash Handling Manage cash transactions accurately and securely.Teller Operations Conduct efficient teller operations, including deposits and withdrawals.Account Reconciliation Reconcile daily transactions and ensure accuracy.Customer Assistance Assist customers with cash-related inquiries and transactions.Compliance Ensure compliance with cash handling policies and regulatory standards.Record Keeping Maintain accurate records of cash transactions.Security Measures Implement security measures to safeguard cash assets.Reporting Generate reports on cash transactions and balances.

公司标识
Customer service Officer
Khushhali Microfinance Bank Limited
Feb 2016 - Jan 2017 | Ahmadpur East, Pakistan

Key ResponsibilitiesProvide prompt and courteous assistance to customers.Address customer inquiries and resolve issues efficiently.Assist customers with account-related services and transactions.Possess in-depth knowledge of the bank\'s products and services.Resolve customer complaints and escalate when necessary.Identify opportunities to cross-sell bank products and services.Manage customer documentation and account records accurately.Collect customer feedback to improve service quality.Ensure compliance with customer service standards and policies.

公司标识
Credit Administration Officer
Khushhalibank limited
Nov 2010 - Feb 2016 | Ahmadpur East, Pakistan

Manage and ensure accurate completion of loan documentation.Maintain organized and up-to-date credit files for audit purposes.Verify loan documentation for compliance with policies and regulations.Oversee the documentation and management of collateral for loans.Coordinate the disbursement of approved loans in compliance with policies.Maintain accurate records of credit transactions and customer information.Generate reports on credit activities for management and regulatory purposes.Communicate with customers regarding credit-related matters.Ensure adherence to the bank\'s credit policies and guidelines.Collaborate with other departments to facilitate smooth credit operations.

公司标识
Business Development Officer
Khushhali Microfinance Bank Limited
Jun 2008 - Nov 2010 | Ahmadpur East, Pakistan

Key ResponsibilitiesIdentify and acquire new clients for the microfinance bank.Conduct market research to identify business opportunities.Promote microfinance products and services to potential clients.Cultivate and maintain strong relationships with clients and business partners.Facilitate the origination and processing of loans for clients.Assess the creditworthiness of potential clients and manage associated risks.Identify opportunities to cross-sell additional financial products.

学历

khawaja fareed university engineering & information technology rahim yar khan
硕士, 艺术硕士学位, Master in Arts‎
English Language and Literature, English
CGPA 3.33/4
2023
Islamia University
学士, , B.Com‎
Accounting & Finance
所占比重 50%
2008
Punjab Board of Technical Education Lahore
中级/A级, , D.com‎
所占比重 53%
2004
BISE Bahawalpur
大学入学/0级, , Matric in Science‎
所占比重 52%
2002

技能

中级 Accounts Administration
中级 Accounts Finalization
中级 Accounts Payments Handling
中级 Accounts Receivable Skills
中级 Accounts Reconciliation
中级 Administration
中级 Administrative Organization
中级 Admission Handling
中级 Asset Management
中级 Bank Reconciliation     
初学者 Bookkeeping Knowledge
熟练 Branch Administration
中级 Branch Banking
中级 Branch Management
中级 Branch Operations Management
初学者 Budgeting
中级 Business Development
中级 Business Writing
中级 Cash Flow Management
中级 Chat Support Skills
中级 Client Services Orientation
初学者 Commercial Banking Knowledge
中级 Communication Skills
中级 Computer Proficient
中级 Conflict Management
熟练 Cooordination Skills
初学者 Corporate Finance
中级 Cost Control
熟练 Credit Risk Analysis and Mitigation
中级 Customer Contact Skills
熟练 Customer Satisfaction Management
熟练 Customer Service Skills
初学者 Deposit Mobilization
中级 Document Maintenance
中级 Employee Administration
中级 Employment Forms Processing
中级 Excel Reporting
中级 File Management
初学者 Financial Analysis
中级 Financial Audit Compliance
中级 Funds Management
中级 General Office Work Management
中级 Good team spirit
中级 Guest Service Management
初学者 Hostel Management
中级 Insurance Knowledge
中级 Leadership Management
中级 Leave Administration
中级 Marketing
中级 Microsoft Excel

语言

中级 英语
熟练 乌尔都语
熟练 Saraiki
熟练 旁遮普语

Muhammad Imran 联系人

Muhammad Nawaz
Khushhalibank limited
Naseem Ullah
Higher Education Commission (HEC)
Syed Yasir Hussain
Habib Bank Limited (HBL)