Officer Operations and presently
Bank Alfalah Limited
Total years of experience :11 years, 4 Months
I joined Bank Alfalah Limited, on November 05, 2005 as Officer Operations and presently working in Sheikhupura Road Branch, Faisalabad as Manager Operations. I have gone through all the seats of general banking operations like cash, account opening, clearing, cheuqe books, remittances, money gram, and locker operations while serving in Yarn Market Br, Main Branch Faisalabad, People's Colony Branch, Sheikhupura Road Branch and Bhowana Bazar Branch. The key posts that I have held in the Bank are Incharge Consumer Banking and Manager Operations while have officiated Bhowana Bazar Branch, Pir Mahal Branch, Chenab Nagar Branch, Yarn Market Branch as Branch Manager. Major responsibilities and achievements at Bank Alfalah Limited are as under:
Jan, 2014-Date NIB Bank Limited Karkhana Bazar Branch, Faisalabad.
Branch Manager
* Facilitate Centralization
* Ensure staff is motivated and manpower turnover is minimum
* Ensure office discipline, dress code and office hygiene
* Management of overall branch, ensuring efficiency, effective controls and maintenance of quality service level
* Keep team motivated, delegate tasks/decision making as per skills/competencies of staff; ensure timely completion of job descriptions, goal setting and performance appraisal
* Business Mobelization
Managing Branch Business affairs
Branch Operational Affairs
Sep, 2013-Dec, 2014 Bank Alfalah Limited Sheikhupura Road Branch, Faisalabad.
Manager Operations
* Facilitate Centralization
* Prepare MIS reports, productivity reports on a regular basis for senior management's review
* Ascertain the training and development needs of staff and nominate them on appropriate courses in order to close skill gaps
* Ensure staff is motivated and manpower turnover is minimum
* Ensure office discipline, dress code and office hygiene
* Maintain all statutory and business controls for branch processes and compliance with regulations
* Keep updated regarding BAL's policies and procedures, SBP's guidelines including Prudential Regulations, their dissemination to concerned staff and monitoring compliance
* Management of overall branch operations, ensuring efficiency, effective controls and maintenance of quality service level
* Ensure proper daily checking of bank's activity report; monitoring of suspense and reconciliation of accounts in line with prudential regulations
* Supervising branch operations pertaining to clearing, remittances, collections online operations etc
* Ensure proper handling of branch's daily cash, maintenance of proper liquidity levels, daily closing of cash and its reconciliation with branch's books and system; ensuring compliance with SBP's requirements pertaining to cash handling operations
* Ensuring that accounts are opened and maintained in line with bank's internal procedures and KYC requirements of SBP; ensure that the cheque books are issued as per prescribed procedure minimizing chances of fraudulent activity
* To maintain and monitor staff attendance, leave record and leave planning of the entire branch; developing backups of the key positions; ensuring internal communication; handling administrative and branch's premises issues; keys and test keys administration
* To ensure the balancing of all heads of accounts on periodical basis
* To sign off daily position report and exchange position reports for TRY- head office perusal; cancel cheques and supervise/sign vouchers pertaining to operations of branch as per delegated authority
* To supervise/sign various periodic reports/statements to be sent to H.O and Regulatory Authorities including SBP
* Keep team motivated, delegate tasks/decision making as per skills/competencies of staff; ensure timely completion of job descriptions, goal setting and performance appraisal
2010-2013 Bank Alfalah Limited Bhowana Bazar, Faisalabad.
Manager Operations
2010-2010 Bank Alfalah Limited Sheikhupura Road Branch, Faisalabad.
In charge Consumer Banking
* Joint key custodian of cash
* Receiving of zakat affidavits
* Report deposits to SBP and HO
* Authorizing financial instruments as co-signer
* Assist in preparation and monitoring of branch's budget
* Rectification of exceptions raised by Audit and inspection teams
* Ensuring branch reconciliation and all asset accounts monitoring
* Supervision of process of Term Deposit and call deposit portfolio
* Monitoring of transactions turnaround time and resolve related issues
* Instruct, guide and direct CROs for best of the breed customer service
* Allotment of passwords and other options to different branch employees
* Supervising and monitoring local and online transactions of cash, transfer, intercity, clearing, collection, new opened accounts, DD, PO, Cheuqe Books
* Maintain optimum liquidity at cash counters in liaison with Manager Operations
* Cancel cheques presented on counter, clearing, transfer, intercity and collection as per authorized limits
* Manage relationship with existing and prospective customers to strengthen branch's client base
* Proper correspondence between Customer Services department and A/O, H/O and also with other branches
* Revaluation, accrual of deposit accounts, profit payments on Accounts on monthly basis. Profit payment on PLS Saving and FCA accounts half yearly
2009-2010 Bank Alfalah Limited People's Colony Branch, Faisalabad.
In charge Consumer Banking
2008-2009 Bank Alfalah Limited Main Branch, Faisalabad.
In charge Consumer Banking
2005-2008 Bank Alfalah Limited Yarn Market, Faisalabad.
Operations Officer
* Account Opening
* Cheque Book Management
* Lockers Operations
* Money Gram
* Remittances
* Clearing
* Collection
* Intercity outward / inward
Operation of Branch
2003-2005 MCB Bank Ltd. Karkhana Bazar Branch,
Faisalabad.
Chief Cashier
* Cash payments to the customer
* Cash receipt from the customers
* Maintain and balance petty cash vouchers
* Assist the cashiers in their daily transactions
* Sale and purchase of prize bonds and updating its record
* Customer service as per Bank's quality assurance standard
* Assist CD In charge in transport of cash from and to vault room
* Ensure recovery of all charges pertaining to cash handling transactions as per Bank's SOC
Achievements
* Contributed the share of 80% in the total deposit of Bhowana Bazar, Branch and Branch Achieved Award of Highest %age wise growth in pan central area Branches.
* Contributed the major share of deposit at every business unit in deposits and cross selling products of the bank
* Never been penalized by the S.B.P inspection teams
* Always rated as Excelling or Very Good in annual job appraisals
* Always maintained good rating in the internal audit of the units
Economics. Continue
B.Com
2002 University of the Punjab, Lahore * B. Com
Continue G.C University, Faisalabad. * Msc Economics (Continue)