Crop Picture
NOTE: Do not upload any image that violates our Picture Policy. Doing so will result in the removal of the concerned image without prior notification.
خلاصہ
I am an impeccable, progressive and strategic Banker/Regional Head with expertise in driving performance and reducing inefficiencies having more than 15 years comprehensive experience in management and leadership roles with extensive knowledge in the areas opening new bank branches, branch banking operations, credits, trade finance, sales, consumer finance and customer service. Proven track record of leading branch expansion, staffing and risk mitigation processes. Additional strengths in business development, banking compliance policies, correspondent banking, monitoring and analyzing sales trends. A commitment to learning and independent work habits serve to produce skills that transfer to a high level of professionalism. Proven record of cultivating, maximizing, and maintaining client relationships with an effective record of creating long- term business alliances and identifying new business opportunities.
My key skills include Banking Operations Management, Business Planning & Analysis, Financial Management, Credit Risk Analysis, Human Resource Management, Risk Mitigation/Assessments, Budgeting & Cost Reduction, Client Relationship Management, Cross Functional Skills, Portfolio Management, Customer Service and Executive Communication
Currently I am engaged with Habib Bank Limited, as a Regional Head – Rural Banking, where I am instrumental in devising policies and procedures for assets/liabilities products and services, while following and fulfilling State Bank of Pakistan requirements. Attached is my resume which showcases my progressive experience and successful track record for leading successful initiatives. 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.
تجربہ
Regional Head – Rural Banking
• Supervise business continuity activities, area offices and branches of the bank. Automate banking operations, as well as establish back-up plan in all branches to identify critical resource and continue critical business functions.
• Establish business plans, processes, and systems, perform financial and non-financial transactions as per transaction matrix, and visit market to achieve optimum business targets.
• Prove instrumental in devising policies and procedures for assets/liabilities products and services, while following and fulfilling State Bank of Pakistan requirements.
• Design and execute strategies to attain New to Bank (NTB) volume and regular outstanding targets, as well as reduce NPL (Non-performing loans) targets.
• Render management expertise and directions in order to achieve Portfolio and Collections Housekeeping Efficiency (Expiry/Cleanups).
• Function in close coordination with other banks, financial institutes and allied departments.
Area Manager
• Progressed through series of positions and swiftly rendered leading role in multiple capacities spearheading highly professional personnel and branches in a comprehensive working experience in Khushhali Microfinance Bank.
• Delivered strategic directions to branches and initiated appropriate systems and internal controls for efficient operations, and delivering high quality of customer care with maximum profitability in long/short term.
• Proved strong support for sales and service initiatives undertaken by the bank and regularly discussed customer service goals and concerns with staff.
• Utilized sound industry knowledge to identify opportunities and develop new sources of business in the area.
Branch Manager
• Maintained a strong knowledge of bank products, services, procedures and regulatory requirements in order to assist staff. Supervised and coached the staff on the proper behaviours, sales techniques and service expectations.
• Efficiently designed annual business plans, as well as developed and trained branch staff by offering constructive feedback and taking interest in the long-term career growth.
• Conducted on-site business to business visits to identify potential new bank customers; develop marketing strategy to maximize the acquisition of new accounts.
• Assessed branch staff performance to maximize revenue generation and assured branch profitability through sustainable business growth.
Relationship Manager
• Provided information and description of multiple products to educate consumers on market trends. Created high performing, competitive sales culture, and incorporate sales strategies to expand market into new territory.
• Sustained high level of professionalism, integrity, customer satisfaction and sales growth by utilizing a diversity of marketing methods; address needs and requests, adhered to customer service standards and protocols.
• Developed and strengthened professional working relationship with a wide range of customers, by meeting and exceeding customer expectations and requirements within the department.
• Successfully established new business opportunities, as well as produced and executed sales plans and strategies focused on credit and active cross-selling of management.
