Summary

A highly astute, energetic and team spirited professional with over 12 years of experience in Banking & Finance with exposure to various functions both in Retail as well as Wholesale Banking. Experience in diverse facets of banking & finance such as customer service, marketing, card department, operations and Anti Money Laundering (KYC and AML). Currently I am working as Customer Service Representative with Dubai Islamic Bank, Dubai.
. Capable of adapting to the new economic scenario needing dynamic decision makers:
• Proficient project leader who aligns financial initiatives to achieve strategic objectives/goals
• Dedicated to ensuring compliance to the company credit policy, mitigating risks and minimizing bad debts across all business units
• Attention to detail at both a micro and macro level and effective communication skills to assist in dealing with a range of clients
• Strong PC skills (Microsoft Word, Excel and PowerPoint)
• Proven multi-tasking skills with commitment to job
• Strong analytical skills and presentation capability
• Quality and customer focused professional with strong work ethics

Projects

Customer Services

Experience

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Zonal Manager
Habib Bank Limited
Mar 2022 - Present | Faisalabad, Pakistan

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Relationship Manager
MCB Bank Limited
Oct 2018 - Present | Faisalabad, Pakistan

I have am Working as a Relationship Manager. Managing multiple products.

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Habib Bank Limited
Jan 1970 - Present | Faisalabad, Pakistan

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Business Development Executive
Asian Food Industries Limited
Aug 2019 - Sep 2020 | Lahore, Pakistan

Imt and Lmt Central region Supervisor

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Student Relatinship Manager
Superior College Jhang
Apr 2017 - Oct 2018 | Jhang, Pakistan

• Working efficiently as an In charge Admission Process
• Initiate and maintain Continuous contact with Students/Parents/ Teachers
• Encouraging Prospective Students to apply
• Initiate plans and execute special projects assigned by management
• Develop and implements specific recruitment Events
• Complete Routine Reports
• Maintain a steady flow of communication
o Email
o Traditional mail
o Social Media
o Phone calls
• Initiates, plans, and executes special Inquiry generation activities
• College\'s mission to be fulfilled
• Maintains current knowledge of the SCJ’s
• Encourages a healthy and productive working relationship
Completes routine reports

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Customer Service
Dubai Islamic Bank
Feb 2015 - Apr 2017 | Dubai, United Arab Emirates

• Promoted as Customer Service Representative.
• Responsible for ensuring that every customer receives the best experience every time they visit the Branch.
• Providing end – to – end solutions to the customer in terms of giving them right information & helping with the all needs respectively.
• Maintaining proper communication & evaluating each team member’s performance & using the findings to support remuneration & promotion decisions,
• Maintaining proper communication & evaluating each team member’s performance & using the findings to support remuneration & promotion decisions,
• Planning the branch’s activities to achieve targets & overseeing branch stock levels through conducting weekly stock takes
Making sure that staff are fully trained & performing their best and also ensuring the confidentiality of branch Implementing policies that build trust between the bank and its customers
• Managing Branch under 100% successful business target achievement.
• Maintaining branch with controllers and policies.

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Relatioship Officer
Abu Dhabi Islamic Bank
Apr 2013 - Feb 2015 | Abu Dhabi, United Arab Emirates

• Meet monthly sales targets and sell various Consumer Banking products offered including casa, Salary Transfer Finance, credit card and CASA, SME and dream pack financial solutions.
• Actively call on prospective clients to develop new business and promote company products and services
• Regularly represent the Bank in various
• s community functions and organizations to further enhance its image
• Responsible for the expansion of existing relationships by proactively researching customers\' needs and matching products and services to those needs
• Contact existing customers to retain and expand banking relationships

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Officer Employee Banking Services
Standard Chartered Bank
Apr 2011 - Mar 2013 | Abu Dhabi, United Arab Emirates

• Basic target of at least 2 Listing companies and make corporate deals and transfer Payroll accounts to Standard Chartered Bank.
• Meet monthly sales targets and sell various Consumer Banking products offered including casa, personal loan, credit card and dream pack financial solutions.
• Produce and present daily sales reports to the sales manager and the branch manager.
• Analyze financial requirements of customer and match with banks product offerings by providing consultancy services regarding various products offered by the bank.
• Develop strategies to identify the potential customer and contact them in order to generate new business and increase branch portfolio.
• Minimize risk by ensuring compliance of anti money laundering laws by maintaining customer due diligence.

• Resolve client queries.and deepen the existing customer relationships with the bank.

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Relationship Officer
Dunia Finance LLC
Jul 2008 - Mar 2011 | Abu Dhabi, United Arab Emirates

• Responsible for promoting and marketing asset products such as business loans, Personal Loans and Car Cash in, Auto Loan and Credit Card
• Responsible for the development of new business by actively pursuing new individual and business customers and by becoming a visible and involved member of the community

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Sales Manager
Future Directions Properties and General Constructions, Abu Dhabi
Aug 2006 - May 2008 | Abu Dhabi, United Arab Emirates

• Managed a team of 8 - 10 people (depending on headcount) and ensured that they complete both individual and team targets
• Responsible for generating sales of appropriate product mix of Rent/Sales/Purchase.
• Maintained a proper MIS maintenance of all sales conducted
• Conducted requisite training. (Time Management, Sales)

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Officer
Bank Alfalah Limited
Feb 2005 - Jul 2006 | Faisalabad, Pakistan

• Managed & controlled processing of general banking activities to ensure that Policies, Procedures and Delivery standards are met, leading to satisfactory Audit Rating and acceptable level of customer satisfaction
• Responsible for direct supervision of Account Opening, Deposits, Inward and Outward Remittances
• Monitored opening of accounts when required in accordance with guidelines provided by SBP prudential Regulations/BPD Circular # 10 dated 29-03-2003, Bank’s OPM/APPM/CM.
• Arranged for reporting of exceptional transactions to HO till resolved
• Liaised with Business Units for early resolution of exceptions
• Ensured that no adverse comment is received in Internal Audit, Compliance review and Central Bank inspection

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Business Development Officer
Citi Bank
Feb 2003 - Feb 2005 | Faisalabad, Pakistan

• Responsible for generating sales of appropriate product mix of Currents/Saving/Fixed deposits.
• Maintained a proper MIS maintenance of all sales conducted
• Responsible for Cross selling assets products.
• Conducted requisite training. (IS Training, Core Compliance, Product Training Etc)

Education

Hamdard University
Masters, , MBA‎
CGPA 3.4/4
2003
University of Agriculture
Masters, Masters in Business Administration, Masters in Commerce‎
Management Information System
CGPA 3.2/4
2001
University of the Punjab
Bachelors, Bachelors in Commerce, B Com‎
Commerce
Percentage 60%
1999

Skills

Expert Aftersales
Intermediate Branch Management
Intermediate Building World Class Teams
Expert Cooordination Skills
Expert Customer Analysis
Expert Customer Focused Selling
Expert Customer Relationship Management
Intermediate Customer Satisfaction Management
Beginner Event Marketing Strategies
Expert Excellence Standard
Expert Export Development
Expert Handling Assignments
Expert HFO Operations Handling
Expert Lead in
Expert Leadership Skills
Expert Loan Sales Management
Expert Official Tasks Handling
Expert Presentation Skills
Intermediate Quality Control Knitting
Expert Quality Control Processes Command
Expert Relations Management
Expert Relationship Management
Expert RESTful APIs
Expert Retail Sales
Expert Sales
Expert Security Principles
Expert Special Effects
Expert Spreadsheet Navigation
Expert Territory Management
Expert مبيعات المشاركة
Expert المبيعات عبر الهاتف
Intermediate تطوير مبيعات B2B
Expert رعاية العميل

Languages

Beginner Arabic
Expert Punjabi
Expert Urdu
Expert English

Muhammad Contacts

Mohammad Yousif Memon
Soneri Bank Limited
Asghar - Shah
Meezan Bank Limited