概要

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

项目

Customer Services

工作经历

公司标识
Zonal Manager
Habib Bank Limited
Mar 2022 - 代表 | Faisalabad, Pakistan

公司标识
Relationship Manager
MCB Bank Limited
Oct 2018 - 代表 | Faisalabad, Pakistan

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

公司标识
Habib Bank Limited
Jan 1970 - 代表 | Faisalabad, Pakistan

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

Imt and Lmt Central region Supervisor

公司标识
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

公司标识
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.

公司标识
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

公司标识
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.

公司标识
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

公司标识
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)

公司标识
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

公司标识
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)

学历

Hamdard University
硕士, , MBA‎
CGPA 3.4/4
2003
University of Agriculture
硕士, 工商管理硕士学位, Masters in Commerce‎
Management Information System
CGPA 3.2/4
2001
University of the Punjab
学士, 贸易学士, B Com‎
Commerce
所占比重 60%
1999

技能

熟练 Aftersales
中级 Branch Management
熟练 Branchless Banking
中级 Building World Class Teams
熟练 Business Strategy
熟练 Cooordination Skills
熟练 Customer Analysis
熟练 Customer Focused Selling
熟练 Customer Relationship Management
中级 Customer Satisfaction Management
初学者 Event Marketing Strategies
熟练 Excellence Standard
熟练 Export Development
熟练 Handling Assignments
熟练 HFO Operations Handling
熟练 Lead in
熟练 Leadership Skills
熟练 Loan Sales Management
熟练 MIT Knowledge
熟练 Official Tasks Handling
熟练 Presentation Skills
中级 Quality Control Knitting
熟练 Relations Management Skills
熟练 Relationship Management
熟练 RESTful APIs
熟练 Retail Sales
熟练 Sales
熟练 Security Principles
熟练 Special Effects
熟练 Spreadsheet Navigation
熟练 Territory Management
熟练 مبيعات المشاركة
熟练 المبيعات عبر الهاتف
中级 تطوير مبيعات B2B
熟练 رعاية العميل

语言

初学者 阿拉伯语
熟练 旁遮普语
熟练 乌尔都语
熟练 英语

Muhammad 联系人

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