概要

To see a suitable rewardind and challanging position in a well reputed organization. A progressive career with strong educational background and good communication skills in accounting and finance.

工作经历

公司标识
Area Coordinator - Collection & Recovery
Khushhali Microfinance Bank Limited
Oct 2022 - 代表 | Vehari, Pakistan

Enter Description

公司标识
Branch Manager
Khushhalibank limited
May 2015 - Oct 2022 | Burewala, Pakistan

1. Business Planning: Prepare annual business plan, set realistic and achievable targets with deadlines for branch staff, regularly track and review performance.

2. Business Development: Identify potential customers for asset and liability products and develop business to achieve sales targets and cross sell, while ensuring the laid down sales process

3. Portfolio Management: Portfolio verification and proactive collection perusal ensuring key portfolio quality indicators are within the assigned benchmarks.

4. Profitability: Maximize revenue generation, contain cost of running the branch and ensure branch profitability through sustainable business growth.

5. Service Quality: Manage customer relationships and meet internal service standards and ensure no service related complaints are received from customers. Ensure branch merchandising and coordination with marketing.

6. Compliance: Enforce implementation of processes in sales, service, and delivery to customer in accordance with KBL policies and SBP regulations. Ensure effective and standardized internal control and reporting as per defined procedures. Adhere compliance on Know Your Customer (KYC) & Anti Money Laundering (AML) during the entire relationship of the customer with KBL and review branch operations report.

7. Staff Management/Development: Supervise branch asset & liability teams. Develop teams\' performance on KBL products/ processes and ensure refreshing their knowledge through time to time interventions. Also ascertain the training and development needs of asset & liability teams, beyond branch capability and recommend them for appropriate training in order to close skill gap.

公司标识
Operations Manager
Khushhalibank limited
Apr 2012 - May 2015 | Burewala, Pakistan

Key Responsibilities:

1. Branch Operations Management:
Management & Supervision of overall branch banking operations, ensuring efficiency, effective controls and maintenance of service quality standards. Oversee the account opening, maintenance process and maintain controls in line with bank’s internal procedures and KYC/AML requirements.
Review & authorize branch banking transactions including cash payment, receipt, clearing, remittances, chequebook issuance, term deposits, account to account transfer, banca-assurance etc.
Responsible for management, supervision & reporting of branch operational expenses, related payment execution in liaison with vendors and F&A.
Review & authorize effective & timely disbursement of approved loans.
Supervise home remittances (Western Union) & NADRA Verisys from provided links and ensure required SOPs are followed.
Monitor and coordinate with CMD for effective cash management.
Submit all payable/deducted taxes & other levies for deposit with SBP/NBP as per policy.
Operate within assigned budget and promote savings supporting business endeavours.

2. Compliance
Implementation of Internal Policies and procedures are always current; record keeping of policy update is adequate. All policies/procedures, SBP’s guidelines including Prudential Regulations, are timely disseminated to concerned staff and compliance is monitored effectively.
Timely and accurate preparation/submission of all scheduled reports to Corporate Office, SBP and other stakeholders as directed in Procedural Manuals.
Will be directly responsible for non-Compliance, Audit Observations and other self-assessment functions and will also be responsible of rectification of all discrepancies.
Will ensure preparedness of the branch for review and audit by internal/external/ SBP Auditors; Operational Audit & AOF/ILA rejection ratings will be considered a direct reflection of Branch Operational environment.

3. Customer Satisfaction
Ensure provision of qual

公司标识
Operations Officer
Khushhalibank limited
Nov 2009 - Apr 2012 | Burewala, Pakistan

Key Responsibilities:


1. Daily Reporting
Daily report SDCR and bank receipts voucher to Finance Deptt. In HO. Daily receiving recoveries from customers and depositing into CMD accounts. Maintaining record of CRR books and daily stationary record updation. Daily leave record updation.

2. Fortnightly Reporting
Fortnightly summary of recoveries reporting to RASO (Regional Admin Support Officer).

3. Monthly Reporting
a) Monthly Leave Record Reporting of Staff.
b) Monthly Reconcialation (Petty Cash, Imprest Account, Cash in Hand)
c) Fixed Asset Record
d) Monthly Recovery Reporting
e) Expense Claims of Staff
f) Stationary Record
g) Funds Projection
h) Accruals Report

学历

University of the Punjab
学士, 贸易学士, Bachelors of Commerce (HONS.)‎
Finance
所占比重 78%
2009
Punjab Board of Technical Education Lahore
中级/A级, , D. COM (Accounting)‎
Accounting
所占比重 70%
2005
BISE
, Matric in Science‎
所占比重 71%
2003
Board of Intermediate & Secondary Education, Multan
大学入学/0级, , Matric in Science‎
Science
所占比重 71%
2003

技能

熟练 AAccounting
初学者 Bank Reconciliation     
熟练 Bank-Consumer
熟练 Branch Accounting
初学者 Clain Management
熟练 Commercial Banking Knowledge
熟练 Compliance
初学者 Credit Collection Recovery
初学者 Custodial Services
初学者 Financial Modeling and
初学者 Handling Assignments
初学者 Internal Controls
熟练 Korean Teaching
初学者 Microsoft Outlook
初学者 Monetary Economics
初学者 Planning and Budgeting
初学者 Prepaid Ledger
初学者 Production Process Knowledge
初学者 Retail Banking
初学者 Social Welfare Management
初学者 Stitching Skills
中级 Strategic Growth Planning
初学者 Tax Planning
初学者 Tax Preparation
初学者 Valuation Analysis
初学者 Variance Analysis
初学者 Vehicle Allocation
初学者 Voucher Management
初学者 Working Capital Management
熟练 التمويل الحسابي
初学者 تسوية المدفوعات

语言

熟练 乌尔都语
熟练 英语

Shahid 联系人

Syed Yasir Hussain
Habib Bank Limited (HBL)
Muhammad Rizwan
Khushhalibank limited
Waqar Iftekhar
Khushhalibank limited