Assistant Manager
United Bank Limited (UBL)
Total years of experience :19 years, 5 months
Handling delinquent customers and persuading them for payment of auto loans.
Managing vigilance of all Consumer Products & New Account Applications at Centralized Processing Unit and branches end.
Managing new merchant induction and branchless banking merchant to detect and curtail any suspicious element.
o Manage timely logging of fraud cases of consumer products in dispute database and timely resolution (country wide).
o Manage timely booking of losses within defined TAT by organization as well as State Bank of Pakistan.
o Reconciliation of Fraud Expense and recovery accounts on country level - All consumer products.
o Investigate customer’s dispute of Credit & Debit Card, Personal Loan, Auto Loan, Mortgage and Running Finance and resolve them accordingly.
o Maintaining Merchant Acquiring Database along with merchant payments.
o Investigate suspected merchants highlighted by VISA / MASTER Card International
Scrutiny of secured and unsecured loans before sanctioning to customers.
responsibilities were to review card accounts activities through query reports and RISK NET (Online system) in order to capture any fraudulent activity and to minimize fraud exposure
o Timely logging of fraud case in fraud database.
o Correspond with respective related units for closure of the cases.
o Monthly TC40 and SAFE reporting to associations.
o Monthly submission of Losses figures to Operational Risk
o Working as Officer in the Authorization Center for incoming calls, from the Banks Card Merchant Establishment.
o Giving on-line approval to both VISA & MASTER card holders as well as to other national and international banks.
o Handling Visa International Calls.
o Maintaining the MIS’s of the Authorization center.
o Working with the cards Transaction Processing Unit in placement and removal different block codes of Citibank VISA & MASTER credit cards.
o Maintaining MIS of Department enable management to set parameters to control acquisition business
Handling MIS of Credit Cards, Personal Loan, Auto Finance, updating of books, sending cheques for clearance of customers.