Summary

Passionate and result oriented Banker with in-depth knowledge of Retail Banking, sales and services.

Experience

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Branch Manager
Habib Bank Limited (HBL)
Mar 2024 - Present | Rawalpindi, Pakistan


Currently serving in HBL Rehmanabad Branch with portfolio size of 3.5 billion deposit.
Managing a team of 10 highly motivated and professional staff.
Proven track record of cross sales of banking products
Managing daily operations of the Branch effectively

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Branch Manager
BANK ALFALAH LTD
Aug 2022 - Mar 2024 | Islamabad, Pakistan


Managed and inspired team members to perform to full potential, driving branch profitability.
Completed month-end and year-end closings, kept records audit-ready andmonitored timely recording of accounting transactions.
Designed sales and service strategies to improve revenue and retention.
Supported outside sales force in servicing and obtaining new business.
Boosted customer base, acquiring new customers and identifying needs to deliver relevant products.Grew business banking relationships through proactive outreach.
Disciplined employees to encourage compliance with company policies and procedures.
Complied with company policies and government regulations to prevent and detect rule violations and protect organization from fines and lawsuits.
Maintained regular performance appraisals for subordinates through verbal, written and on-going review programs.
Worked cross-functionally to plan and establish branch goals, supporting strategic objectives.

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Relationship Manager Premier Banking
BANK ALFALAH LTD
May 2019 - Aug 2022 | Islamabad, Pakistan


Achieved client loyalty through quality, productivity, service and proactive management.
Collaborated with various departments to improve communication and deliver individualized customer solutions.
Resolved customer complaints regarding sales and service.
Conducted due diligence and fulfilled compliance requirements, communicating with other departments to complete requests.
Collaborated with managers to identify and develop new markets according to strategic plan, analyzing potential opportunities and challenges.
Conducted comprehensive relationship reviews to understand and develop solutions for client needs, partnering with specialists to resolve specific issues.
Negotiated terms for management services and financing to close deals with hesitant clients and retain relationships.
Built sales forecasts and schedules to reflect desired productivity targets.
Delivered positive experiences to customers at every touch point through clear communication and implementing strategies to improve satisfaction.
Built long-term relationships with lucrative clients by utilizing active listening, effective communication and dynamic interpersonal skills.
Enhanced sales volume through skilled support to both new and inactive customers.
Advised and counseled customers on financing and related matters, courteously educating clients and responding to inquires.
Led sales planning, development and account management to grow existing accounts and establish new sales accounts.
Established strong client relationships to drive business development.
Reviewed operational records and reports to project sales and determine profitability.

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Branch Sales and Service Executive
Standard Chartered Bank
Oct 2015 - May 2019 | Islamabad, Pakistan

Managed a portfolio of PKR 350 million containing 630 retail clients. Maintained and enhanced portfolio by providing customer services and generating sales revenue. Over achieved Wealth management, Liabilities and Asset targets. Country best RM for Q4-2016 by achieving highest score in Scorecard based on Financial and non- financial parameters. Completed documentation for Account opening, Wealth Management and Asset sales. Interacted with CDD department for completing past deficiencies in accounts upon their periodic or dynamic review. Supported FMU department for ongoing account surveillance. Completed more than 110 E-learnings on, CDD, Tax compliance, FATCA, Treating customers Fairly, Bribery and Corruption and more according to Group policies.

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Cash Officer
BANK ALFALAH LTD
Jan 2015 - Aug 2015 | Taxila, Pakistan


Received and counted daily inventories of cash, drafts and checks.
Performed transactional, operational and customer support tasks through knowledge of bank procedures and products.
Issued and redeemed money orders, cashier checks, travelers checks and savings bonds.
Balanced daily cash deposits and vault inventory with zero error rate.
Cross-sold bank products by answering inquiries, informing customers of new services and promotions.

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Deposit Mobilisation Officer
Professional Employers Ltd
Jun 2013 - Dec 2014 | Wah Cantt, Pakistan


Habib Metro Bank
Used excellent verbal skills to engage customers in conversation and effectively determine needs and requirements.
Optimized profitability by developing pipeline of prospects using multiple research, referral and sales strategies.
Marketed and developed key accounts by favorably representing the Bank at membership and community functions.
Identified customer needs by asking questions and advising on best solutions.
Increased profitability and revenue by generating PKR 50 million in deposit sales.

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Cash Operation Officer
Professional Employers Ltd
Aug 2005 - Aug 2006 | Islamabad, Pakistan


Habib Bank Ltd (Islamabad)
Received and counted daily inventories of cash, drafts and cheques.
Performed transactional, operational and customer support tasks through knowledge of bank procedures and products.
Issued and redeemed banker cheques, cashier cheques.
Balanced daily cash deposits and vault inventory with zero error rate.

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Data Entry Operator
Credit & Commerce Consultants
Jan 2004 - Sep 2005 | Islamabad, Pakistan


Habib Bank LtdAs per the strategic move of the Bank, all contractual employees were moved to third party contract of CCC. But I continued same job in same position

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Data Entry Operator
Habib Bank LTD
Sep 2003 - Dec 2003 | Islamabad, Pakistan

Was responsible for making daily data backups and printing of Branch data reports

Education

University of Wales
Masters, Masters in Business Administration, MBA‎
Consumer Behavior), Marketing
Grade C+
2010
University of the Punjab
Bachelors, Bachelors in Commerce, B.Com‎
Commerce
Grade B+
2003
FBISE
Intermediate/A-Level, Intermediate in General Science, FSC‎
Statistics
Grade D
2001
BISE RAWALPINDI
Matriculation/O-Level, Matric in Science, Matriculation‎
Science
Grade B
1999

Skills

Expert Branch Administration Skills
Expert Commercial/Retail Banking
Expert Conservation Awareness
Expert Consumer Financing
Expert Investment Banking
Expert Portfolio Management
Expert Serving Sales
Expert Wealth Management

Languages

Expert English
Expert Urdu