Summary

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.

Experience

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Branch Banking Officer
HBL Microfinance Bank Ltd
Jun 2023 - Present | 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

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

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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
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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.

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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.

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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.

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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

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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.

Education

University of Sindh
Bachelors, Bachelors in Commerce, B.Com‎
Accounting, Business Communication, Business Economics, Commerce, Mathematical Statistics
Grade B
2007
Al-Falah Boys College Latifabad
Intermediate/A-Level, Faculty of Science (Pre-Engineering), FSC (Pre-Engineering)‎
chemistry, Mathematics, physics
Grade C+
2004
Govt. Boys high school no.01
Matriculation/O-Level, Matric in Science, Matriculation‎
Biology, chemistry, English
Grade C+
1997

Skills

Expert Account Marketing
Intermediate Accounting
Intermediate Accounting Skills
Expert Admin Operations Management
Expert Admin Tasks Management
Expert Auditing
Expert Book Keeping
Expert Branch Administration Skills
Expert Branch Operations Management
Expert Client Services Orientation
Expert Computer Proficient
Expert Conflict Management
Expert Cost Consciousness and Control
Beginner CRM Analysis
Expert Customer Service Skills
Intermediate Deposit Mobilization
Expert Financial Accounting
Expert Financial Analysis
Expert Financial and Budgeting Skills
Expert Good Analytical Skills
Expert Handling Plasma Screens
Intermediate HVAC Maintaince
Expert Interpersonal Skills
Expert Maintenance Management
Expert MS Excel
Expert MS Office
Expert Quality Control Cutting
Expert Relations Management Skills
Expert Sales Strategies
Expert Typing Speed
Expert مهارات إدارة الأموال
Expert اكتساب المبيعات
Expert المهارات المعدنية
Expert استراتيجيات مبيعات الحسابات

Languages

Intermediate Sindhi
Expert Urdu
Expert Malaysian
Expert English

Muhammad Contacts

ahsan yousaf
ASA Pakistan Ltd.