خلاصہ

Results-driven Sales, Banking, and Trade Finance professional with 20+ years of experience in Business Development, Financial Consulting, Centralized Operations, SWIFT Operations, Trade Finance, and Regulatory Compliance. Skilled in Customer Relationship Management (CRM), AML Compliance, Risk Mitigation, and Wealth Management. Proven expertise in revenue growth, operational efficiency, and financial solutions.

تجربہ

کمپنی کا لوگو
Assistant Branch Manager
Dawood Family Takaful Limited
فروری ۲۰۲۵ - موجودہ | Karachi, Pakistan

- Developing and implementing sales strategies.- Managing branch operations and staff.- Providing exceptional customer service.- Analyzing sales performance and market trends.- Ensuring compliance with regulatory requirements.- Participating in training and development programs.

کمپنی کا لوگو
Consultant Trade Finance Freelance
Euro Exim Bank Ltd.
مارچ ۲۰۲۳ - موجودہ | Karachi, Pakistan

- Develop and implement trade finance solutions (LCs, bank guarantees, and export credit).
- Promote the bank’s financial products to potential clients.
- Identify and onboard new clients, expanding trade finance channels.
- Ensure compliance with international banking regulations.
 

کمپنی کا لوگو
Business Development Executive
AL-MERAAJ MARKETING
جون ۲۰۲۴ - فروری ۲۰۲۵ | Karachi, Pakistan


-      Drive client acquisition and sales growth through proactive networking and marketing strategies.
-      Build and maintain strong customer relationships, ensuring high retention and satisfaction.
-      Deliver professional financial advisory services, including wealth management and investment solutions.

کمپنی کا لوگو
Entrepreneur
Xpress Supplies
دسمبر ۲۰۱۸ - نومبر ۲۰۲۳ | Karachi, Pakistan

- Founded and managed a successful office supply business.
- Established a steady client base through strategic marketing and excellent service.

کمپنی کا لوگو
Takaful Financial Advisor
Pak Qatar Takaful Limited
اگست ۲۰۲۰ - جولائی ۲۰۲۱ | Karachi, Pakistan

- Provided customized financial advice and promoted wealth management products.
- Engaged in client presentations, proposal drafting, and business development.
- Proactively acquired new clients through own means and dynamic range of business development.
- Worked closely with the Regional office by reporting to them regularly and seeking guidance from them on work-related matters.

کمپنی کا لوگو
as Unit Head - Centralized Operations
BankIslami Pakistan Limited
جولائی ۲۰۱۴ - جنوری ۲۰۱۹ | Karachi, Pakistan

- Supervised both Inward and Outward Remittances, following regulatory guidelines and ensuring high-quality customer service within the prescribed (TAT) Turn-Around-Time.
- Completed scrutiny of all Incoming MT-103 SWIFT messages and credited funds into the customer's account.
- Ensured 100% compliance with the Bank's Service Management Program.
- Adhered to all regulatory guidelines outlined in SBP's FE Manual & AML regulations.
- Reported Foreign Exchange Transactions to SBP through ITRS.
- Ensured 100% adherence to the Bank's Policies & Procedure manual on Funds Transfer and Inter-Office Memorandum on Remittances.
- Liaised with the State Bank for approvals related to Outward remittances.
- Authorized SWIFT messages for Outward Foreign Remittances.
- Handled Centralized Foreign Outward Bill for Collection (FOBC).
- Prepared Daily & Weekly SBP SCRA Reporting.
- Prepared Monthly Special Foreign Currency Accounts (SFCA) Reporting.
- Prepared Monthly Foreign Exchange Returns of the Centralized International Remittances Section.
- Prepared Quarterly SWIFT Reporting.
- Checked and controlled all Duplicate Payments.
- Timely informed/reported to concerned departments regarding non-reporting Financial MTs.

کمپنی کا لوگو
as Customer Service Executive - Branch Banking
BankIslami Pakistan Limited
اکتوبر ۲۰۰۹ - جون ۲۰۱۴ | Karachi, Pakistan

- Involved in all Branch Operations.
- Adherence to all regulatory guidelines related to Branch Banking Operations.
- Authorized all transactions and vouchers and clearing.
- Responsible for all Cash replenishment in ATM.
- Responsible for all Cash sorting and disbursement of excess cash to Cash House.
- Daily / Weekly / Monthly Cash transaction reporting to State Bank of Pakistan.
- Checking & releasing all Financial Payments.
- Controlling all transmitted/authorized Financial Payments through exact correspondence banks.
- Checking & controlling all Duplicate Payments.
- Timely informed/reported to concerned departments regarding non-reporting Financial MT's.

کمپنی کا لوگو
as Officer - International Remittances & SWIFT
BankIslami Pakistan Limited
مارچ ۲۰۰٦ - ستمبر ۲۰۰۹ | Karachi, Pakistan

- Processed both Inward and outward Remittances as per regulatory guidelines within the prescribed Turn Around Time (TAT).
- Issued PRC against Inward Remittances.
- Prepared IRV/R Forms for SBP Reporting.
- Solved the queries against Inward Remittances.
- Worked as a SWIFT Operator on the SWIFT Alliance System.
- Handled Centralized Foreign Outward Bill for Collection (FOBC).
- Prepared IRV/R Forms for SBP Reporting.
- Distributed Incoming and Outgoing SWIFT Messages to respective departments.
- Reported Foreign Exchange Transactions to SBP through ITRS.
- Ensured that satisfaction and prompt solutions were provided to the Customers.

کمپنی کا لوگو
Officer - Central Operations Division
Union Bank Limited.
مارچ ۲۰۰۱ - مارچ ۲۰۰٦ | Karachi, Pakistan

- Processed Inward Remittances according to regulatory guidelines within the prescribed Turn-Around-Time.
- Prepared MT-103 Outward Messages.
- Prepared MT-199 & MT-999 Inquiry Messages.
- Prepared MT-110 SWIFT Messages against FDD Issuance.
- Worked as a SWIFT Operator on the SWIFT Alliance System

تعلیم

Allama Iqbal Open University (AIOU)
بیچلرز, بیچلرز ان آرٹس, Bachelors of Arts‎
Arts
1999
Jinnah Polytechnic Institute, Karachi.
ڈپلوما, Associate Engineer‎
Civil Engineering
مکمل
1995
Dehli Govt. Boys Secondary School
میٹرک / او لیول, ماسٹرز ان بزنس ایڈمنسٹریشن, Secondary School Certificate‎
Chemistry, Mathematics, Physics
فی صد 67%
1990

پیشہ ورانہ مہارتیں

ماہر Critical Thinking
ماہر Relations Management Skills
ماہر Sales Management
ماہر Team Building

زبانیں

متوسط انگریزی
ماہر اردو