Develop and implement sales plans to strengthen existing relationships and identify new opportunities, resulting in the achievement of branch's multi-dimensional targets such as deposits, advances, and profit.

Conduct periodic reviews of operational activities, aligning them with audit reports and enforcing internal controls according to Bank and SBP guidelines, including KYC, AML, and Business Continuity Plan.

Train and motivate front-end staff to enhance their technical and core competencies, ensuring they are well-equipped to achieve sales objectives.
Lead the team in alignment with the sales plan, maximizing sales potential and fostering a high-performance culture.

Evaluate credit proposals, provide recommendations, and oversee all asset-related matters, ensuring adherence to credit policies and regulations.

Maintain a strong focus on service excellence by continuously reviewing and improving processes, practices, and resources to meet customer retention goals.

Demonstrate complete adherence to the Service Management Program, promptly resolving customer complaints and implementing necessary improvements.

I have worked different segments of branch banking and currently Working as Branch Operations Manager in HBL where i am Monitoring branches Operations, Compliance, Audit's , AML/CFT and All dealing external and internal audits. I have sound experience regarding different segments of branch banking which includes Area Coordinator, Internal Controls Manager, Branch Operations Manager, Credit Manager, General banking and Trainee Business Officer. My current assignment is to ensure smooth operations of the branch in compliance with banking regulations / policies and procedures with a view to minimize the operational risk and maximize profitability by ensuring the provision of quality service support in terms of product processing and service deliveries & ensure that processes and activities are carried by branch strictly in accordance with the laid down banking policies, procedures and SBP/Central Bank regulations for avoid any penalties.

Specialties
-Regulatory compliance
-AML/CFT
-Internal/External Audit Preparation
-Monitoring Operations Activities of branch
-Analyze risk factors and identify areas for improvement.
-Maintain and enhance effective complaince structure within domain.

Specialties
-Regulatory compliance
-AML/CFT
-Internal/External Audit Preparation
-Monitoring Operations Activities of branch
-Analyze risk factors and identify areas for improvement.
-Maintain and enhance effective complaince structure within domain.

Responsible for create & maintain appropriate levels of operational focus, integrity & control strategies within a group of branches. Works with operational support departments to implement new process & monitor branches operational activities through exception reporting.

Directly manage & develop all branch operations managers within region & act as financial liaison for operational activities between retail sales & all operational support departments.

Assist in the preparation, implementation & monitoring of policies, procedures & operational projects within area. Assist in development, implementation & tracking of department & regional plans.

Maintaining and monitoring of branches operations (by checking of vouchers, GL reports and other system generated reports regularly) in order to strengthen the branches internal controls to ensure that processes and activities are carried out strictly in accordance with the laid down banking policies, procedures and SBP regulations to avoid any penalties.

Preparation, analysis, maintenance and submission of all MIS reports to various departments (internal / external) in a timely and accurate manner as and when required

Maintenance of Branches appearances such as cleanliness of branch premises, maintenance of notice board, proper functioning of computer systems etc. to ensure the MCB image and have an efficient working environment.

Managing the smooth operations of the branch in compliance with banking regulations / policies and procedures with a view to minimize the operational risk and maximize profitability by ensuring the provision of quality service support in terms of product processing and service deliveries.

Plan, direct and control the counter services / branch operations by distribution of work (job rotation) among branch staff through well defined tasks and responsibilities while achieving timely and accurate processing of deliverables and provision of quality service to the customers etc.

Provide assistance and implement sales strategies for managing asset and credit portfolio of the branch and achieving new-to-bank growth targets (increasing volume of asset portfolio) while observing strict compliance of credit manual, SBP policies, circulars, KYC / AML policies and procedures.

Selling of asset products to new-to-bank clients after evaluating financial risks and obtaining legal advice to achieve asset sales targets. Carry out the valuation of properties for liquidation by following bank’s defined procedures.

Commence the credit initiation process by gathering information and drafting credit proposals, to ensure credit decision making is in line with credit policies, SBP, Prudential Regulations and overall business objectives.

Prepares credit approvals for customer by ensuring credit applications are correctly prepared in accordance with the bank’s policies


Ensures there is no security shortfall and the credit proposal is complete for disbursement of all finances as per credit manual / circulars