Summary

WORKING AS MANAGER OPERATIONS  AT THE BANK OF KHYBER PAKISTAN.HAS WORKED AS MANAGER AT THE BANK OF KHYBER IBB KALAYA .HAVE A GOOD EXPERIENCED OF BRANCH OPERATIONS . WORKED AS CREDIT ANALYST, BUSINESS COORDINATOR, BUDGETING AND MIS OFFICER AT ALLIED BANK LIMITED.WORKED AS CUSTOMER SALE AND SERVICE OFFICER AT TELENOR PAKISTAN PRIVATE LIMITED.WORKED AS AUDIT INTERNEE AT TARIQ AYUB ANWAR CO(CHARTERED ACCOUNTANTS).


Projects

COMMERCIAL/EXTERNAL AUDITOR

Experience

Company Logo
MANAGER OPERATIONS
The Bank of Khyber
Nov 2015 - Present | Kohat, Pakistan


Ensure Compliance of Internal, external audit, and SBP Exceptions.
Rechecking of Daily vouchers for different exceptions after the initial ticking of supplementary sheets by Cash Officer.
Approval/Supervision of EDD/ODD/KYC.                                                                    Maintenance of Administrative and Financial discipline.
Management/Recording of Asset Inventory (F&F, stationery etc.).                                Service Management- Disposal of Customer complaints, ensure that Key service targets are met.

Implementation of services standard e.g. attends the phone within 3 rings and handing over checkbook in envelop et
Approval of Activation of Dormant/Unclaimed A/Cs.                                                        
Maintenance of Branch Document/Key/Test Key Registers.                                            
Monitoring of Accrual/payment of profit/ M-up and deduction of WHT.                               
Arranging Approval of Cancellation and issuance of duplicate instruments.               
Approval to pay ATM Claims and payments from deceased A/Cs.                                                                                
People Management- Coaching, training of ops staff. Foster teamwork between sales and operation.
Risk Management- Ensure efficiency and correctness to obviate the chances of fraud.      
Indirectly responsible for the effective performance of jobs pertaining to branch staff.                       
Ensure proper maintenance of the inward/outward mail process.
Ensure Branch Security arrangement e.g. smoke detector, metal detector working, fire extinguisher, security /Burglar alarm, sos connection etc…
Implementation of staff dress code.
Nonsharing of IDs by the staff members and non-authentication of the transaction by calling the transaction numbers.
Checking of HO Reconciliation statement.
Maintenance of root password.
Maintenance of Heavy Transaction report
Zakat deductions, CZ- 50 maintenance and register maintenance etc.
Accurate profit provision accrual.

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MANAGER OPERATIONS
The Bank of Khyber
Oct 2015 - Present | Kohat, Pakistan

Working as branch manager operations. Major responsibilities  as below.
all the operations of the branch
complying bank internal/SBP policies.
To achieve all assigned KPIs targets
To market new relationships and ensure the budgeted run rate of account opening is achieved.
To maintain a close liaison with the clients, make personal calls to them and ensure to build sustainable business relationships.
To supervise the branch’s staff, review their performance and support them in achieving their personal targets.
Provide leadership to the operation at the branch level.

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GENERAL BANKING OFFCIER
BANK OF kHYBER
Jan 2014 - Nov 2015 | Peshawar, Pakistan

·         Account Opening
·         Deposit Mobilization
·         Clearing
·         Remittance
·         Home Remittance
·         ATM

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CREDIT APPRAISAL REVIEWER
Allied Bank Limited
Apr 2010 - Jan 2014 | Kohat, Pakistan

·         Worked as Coordinator with figure head of the region and to ensure that Region achieves its budgetary targets in all key result areas.
·         Assisting Branch Manager in finalization of Business & Profit Targets.
·         Ensuring that growth of deposit is in line with budgeted deposit mix.
·         Making dedicated efforts that the budget of CASA is not only achieved but is handsomely exceeded.
·         Supervising the marketing team including the branches business development officers, reviewing their performance and supporting them in achieving their personal targets.
·         Reviewing the weekly/ monthly performance of the branches against the budgetary targets.
 
§  Preparation and analysis of credit proposals as per SBP Prudential Regulations as well as Credit Policy & Procedural Manual of the Bank.
§  Monitoring of credit facilities i.e. Fresh Limits/ Renewals/ Enhancements/ Amendments.
§  Structuring of Limits and Facilities as per Obligor’s requirements.
§  Monitoring of SME’s & Personal Loans.
§  Maintaining an information link between the disbursing unit and various controlling units.
§  Rigorous follow up of watch list account, stuck up Loans/ Non Performing Loans
·         Effective follow-up for recovery of all due and overdue commitments.
·         Post disbursement monitoring of the finance facilities.

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CUSTOMER SERVICE OFFICER
Telenor
Dec 2009 - Mar 2010 | Peshawar, Pakistan

Worked as Customer service officer at TELENOR PAKISTAN (PVT) LIMITED  at Region office peshawar. 

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INTERNEE
Mar 2009 - Oct 2009 | Peshawar, Pakistan

Education

University of lakki Marwat
Masters, Masters in Arts, Economics‎
Economics
Percentage 63%
2023
University of Peshawar
Bachelors, , MBA‎
Finance
Percentage 90%
2009
Kohat University of Science & Technology
Masters, , B.Com‎
Finance
Percentage 70%
2006
ARMY PUBLIC SCHOOL & COLLEGE KOHAT
Intermediate/A-Level, , F.Sc Pre-Engineering‎
Percentage 53%
2002
KCCL PUBLIC SCHOOL KOHAT
Matriculation/O-Level, , Matric in Science‎
Percentage 68%
2000
KOHAT CEMENT COMPANY SCHOOL KOAHT
Non-Matriculation, Matric in Science‎
Completed
2000

Skills

Expert Book Keeping
Expert Accounting
Expert Accounts / Manager
Expert Accounts Management
Expert Admin Tasks Management
Expert Administrative Management 
Expert AMEX
Expert Analytical Skills
Beginner Audit Assignment Handling
Beginner Audit Management
Intermediate Audit Procedures Knowledge
Expert Audit Report
Intermediate Auditing
Expert Bank Reconciliation     
Expert BANKING LAW AND PRACTICE
Expert Branch Accounting
Expert Branch Administration Skills
Expert Branch Banking
Expert Branch Operations Management
Expert Commercial Banking
Expert Compliance Reporting
Expert Coordination Abilities
Intermediate Credit Collection Recovery
Expert Customer Service Skills
Expert Customer Service Solutions
Expert Excellent Interpersonal Skills
Beginner External Audit
Beginner Financial Analysis
Expert Financial and Budgeting Skills
Expert Financial Data
Intermediate Financial Management
Expert Financial Service Management
Intermediate Financial Statement Analysis+
Intermediate Fundraising Skills
Expert General Ledger
Expert Individual Contributor
Intermediate Internal Audit
Expert Interpersonal Skills
Intermediate Islamic Finance
Intermediate Knowledge of Spreadsheets
Intermediate Managing Midsize Teams - 5 to 20 People
Expert Microsoft Office 1
Expert MS Excel
Intermediate Nutrition Management
Expert Operating System Administration
Expert Operations Management
Beginner Payroll
Expert Payroll Processing
Intermediate Planning and Budgeting
Expert Planning Skills

Languages

Expert Pashto
Expert Urdu
Expert English