概要

Strong Having 7 years experience in core Financial Inclusion, Microfinance and Rural Business sales Outgoing and self-driven Front Desk Manager skilled at providing excellent customer service, managing all areas of Front Office department, and training and supervising new staff. Offers well-developed communication skills, ability to work under pressure, and great time management skills.

工作经历

公司标识
Branch Banking Officer
HBL Microfinance Bank Ltd
Jun 2023 - 代表 | Karachi, Pakistan

Managing client bank accounts, including opening and closing accounts, and overseeing transactions. Processing deposits, payments, and withdrawals. Authorizing and evaluating overdrafts and loans. Handling other transactions

公司标识
Branch Operations Manager
Union Microfinance Co. Ltd
Sep 2022 - May 2023 | Karachi, Pakistan

divul
liResponsible for providing support for operations activities in the Branch Channel segment. Perform routine operational and administrative work; Day-to-day actions are focused on administering defined procedures, analyses and report preparation. Submit work to senior team members for review / approval./li
liReceive approved customer loan application forms for uploading in accounting software./li
liCoordinate with Head Office for loan approval and disbursement thereon./li
liReconcile customer loan accounts on timely basis./li
liHandle petty cash payments effectively for smooth operation of the branch./li
liReceive cash from customers and issue receipts to the customers./li
liDeposit all the cash / cheque collected in a day in nearest Bank Branch./li
liRecord amount received from customers in accounting software against the outstanding balances, prepare reconciliations and highlighting any discrepancy./li
liReconcile monthly Collections with bank./li
/ul
/div

公司标识
Internal Audit Officer
Sindh Microfinance Bank ltd
Aug 2020 - Aug 2022 | Karachi, Pakistan


Evaluate financial documents for accuracy and compliance with federal regulations.
Identify the financial risk of the organization and offer recommendations to reduce risk.
Identify accounting and financial record-keeping processes that can be improved.
Determine ways to cut costs and improve profitability.
Assess the efficiency and productivity of internal staff and make recommendations for improvement.
Present findings to upper management in the form of reports and presentations.

公司标识
Front Desk Manager
Indus Hotel
Apr 2017 - Jun 2020 | Hyderabad, Pakistan


Defining and implementing front desk objectives and procedures.
Hiring and training staff and managing the shift schedules.
Tending to guests' complaints and questions and providing exceptional customer service.
Ensuring that the front desk and reception area is kept clean and organized.
Maintaining front desk office supplies and equipment.
Managing budgets, records, and contracts
Supervising staff and all front desk activities including bookings, appointments, phone calls, and emails.
Conducting performance reviews with the front desk staff.

公司标识
Accounts & Marketing Manager
SA TEXTILE & Sandakan Carpet SDN BHD.
Oct 2011 - Sep 2014 | Kuala Lumpur, Malaysia


Consulting clients about campaign requirements and objectives. Formulating strategies .
Passing proposals on agreeing timescales and budgets.
Supervising staff.
Monitoring and chasing work progress. Writing reports ,analyzing, interpreting and presenting results.
Delivering ideas and final products to clients for review.
Financial administration.
Delivering presentations.
Plan marketing and branding objectives..
Expand product solutions and offerings. Prepare marketing strategies alongside other company executives and staff.
Analyze market trends and recommend changes to marketing and business development strategies based on analysis and feedback.
Prepare and adhere to budgets.
Creation and delivery of press releases, advertisements, and other marketing materials.
Design print ads and publications. Ensure brand messages are consistent.
Gather and analyze customer insight.
Nurture and enrich all external perceptions of the company and growth of market share.
Engage consumers on social media.
Deepen relationships with all media to ensure the most effective messaging and positioning of the organization.
Lead all areas of content generation and production across all media platforms.
Take calculated risks based on data-driven analytics.
Drive overall CRM and direct marketing.

公司标识
Branch Manager
ASA Pakistan Ltd.
Dec 2009 - Mar 2011 | Mirpur Khas, Pakistan


Direct all operational aspects including distribution operations, customer service, human resources, administration and sales.
Assess local market conditions and identify current and prospective sales opportunities
Develop forecasts, financial objectives and business plans
Meet goals and metrics
Manage budget and allocate funds appropriately
Bring out the best of branchs personnel by providing training, coaching, development and motivation
Locate areas of improvement and propose corrective actions that meet challenges and leverage growth opportunities
Share knowledge with other branches and headquarters on effective practices, competitive intelligence, business opportunities and needs
Address customer and employee satisfaction issues promptly
Adhere to high ethical standards, and comply with all regulations/applicable laws
Network to improve the presence and reputation of the branch and company
Stay abreast of competing markets and provide reports on market movement and penetration

公司标识
Micro Finance Officer
First Microfinance Bank Ltd
Aug 2007 - Dec 2009 | Hyderabad, Pakistan


Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
Meet with applicants to obtain information for loan applications and to answer questions about the process.
Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information. 
Review and update credit and loan files.

学历

University of Sindh
学士, 贸易学士, B.Com‎
Accounting, Business Communication, Business Economics, Commerce, Mathematical Statistics
等级 B
2007
Al-Falah Boys College Latifabad
中级/A级, 理学院(工程预科), FSC (Pre-Engineering)‎
chemistry, Mathematics, physics
等级 C+
2004
Govt. Boys high school no.01
大学入学/0级, 科学, Matriculation‎
Biology, chemistry, English
等级 C+
1997

技能

熟练 Account Marketing
中级 Accounting
中级 Accounting Skills
熟练 Auditing
熟练 Book keeping
熟练 Branch Administration Skills
熟练 Branch Operations Management
熟练 Client Services Orientation
熟练 Computer Proficient
熟练 Conflict Management
熟练 Cooordination Skills
熟练 Cost Consciousness and Control
初学者 CRM Analysis
熟练 Customer Service Skills
中级 Deposit Mobilization
熟练 Email List Management
熟练 Financial Accounting
熟练 Financial Analysis
熟练 Funds Management Skills
熟练 Good Analytical Skills
熟练 Handling Plasma Screens
中级 HVAC Maintaince
熟练 Interpersonal SKills
熟练 Maintenance Management
熟练 Microsoft Excel
熟练 MS Excel
熟练 MS Office
熟练 Operations Tasks Management
熟练 Quality Control Cutting
熟练 Relations Management Skills
熟练 Sales Strategies
熟练 Typing Speed
熟练 اكتساب المبيعات
熟练 استراتيجيات مبيعات الحسابات

语言

中级 信德语
熟练 乌尔都语
熟练 马来语
熟练 英语

Muhammad 联系人

ahsan yousaf
ASA Pakistan Ltd.