Consumer Banking Employee
Habib Metro Bank
Total des années d'expérience :19 years, 8 Mois
To lead Consumer, Employee Banking & Regulatory products. Overall Sales End to End
Looking after branch banking where Branch Manager reports into me.
Senior Branch Manager, Vice President. following are my keys expertise. Business Development Manager, Accounts Manager, Branch Banking, Branch Management, Wealth Management, Consumer Finance, Government Securities, Trade Finance, Retail Banking, Consumer Banking, Customer Service. Managing branch portfolio and bring new potential accounts for the bank. dealing with bank banking treasury deptt for the conversion of foreign exchange and dealing with Institutions. Looked after the area of Risk Management, Credit Risk Policy, Collections, MIS & Analytics, Litigation processing. Back of Area Manager.
Merged With Faysal bank Limited on Jan 1st, 2011.
Branches, Retail banking, Wealth Management, Consumer Finance, Trade Finance, Priority Banking.
• To Manage Profit and Loss of the branch( Generate, CASA, Term Deposit, Advances, Bancassurance, Sales, Team Leader, Consumer Finance Products ( Credit Cards, Personal Installment Loans, Balance Transfer Facility, Auto Loans, Mortgage Loans)
• To Manage & achieve the target of New to Bank accounts & Investments Solutions (Treasury Bills, Investment Bonds, Saving Certificates, Defence Saving Certificates)
• Ensure Compliance and Anti Money Laundering, Know You Customer, Risk Assessment, & Customer Physical Verfication Report process to be followed at Account opening & account maintenance stages.
• Respond all the queries related to CAAML, AML and Manage Compliance Activities & ensure Risk reviews as Categorized by State Bank of Pakistan.
• To manage the activities of Return Mail, CNIC Updates, Monthly Locker Renewal Charges, Dormant Accounts & Zakat Calling.
• To Upgrade & Down Grade/ Closed the accounts. Follow Accounts Contact policy.
• Ensure Lobby Management (Key Service Indicators to be managed), Loyalty Scores, Contact Policy, Call Audit & Mystery Shopping.
• Conducting daily brief/de-brief as per Cohen Browns process. Monthly pipelines/ Shuffling of portfolios.
ABN AMRO become merged entity of Royal Bank of Scotland in Pakistan in September 2008.
Credit, Collections, Legal, Litigation, Policy, Analytics, MIS
• To establish & organize countrywide Recovery & litigation department.
• To manage countrywide Recovery Litigation & Recoveries for Credit Cards, Personal Loans, Running Finance Facility, Auto Loans, SME products & Mortgages Loans.
• To Engage Reputed External / Internal Legal counsels across country for legal proceedings/ Filing suits/ Managing Insolvencies ( Against & BY the Bank cases)
• To devise proper legal strategy to operate legal function and execution proceedings inclusive of Attachments & Arrests / Repossession of Vehicles / Auctions of Mortgage properties.
• To engage external Repossession Agencies / Debt Collections Agencies.
• To built the team across country under Regional Managers & hired up to 180 staff countrywide.
• Set & Achieve L & R targets for all Consumer Finance products.
• Devised & operate end to end L & R Strategies.
• Manage & Handle Compliance, Audit, Internal & External Complaints via SBP, Mohtisib.
• Conduct Trainings & Weekly, Monthly meetings to engage employees for their development.
Collections, Recovery, Litigation, Fraud Policy and Risk Analytics Implementation as per AIM guidelines
• Renew and Update Collections manual, Fraud Manual, Litigation & Recovery Manuals, devised Targets, Monitoring, Reporting, portfolio analysis, Credit Letter etc
• To prepare & manage all the MIS relevant to internal & external regulators.
• To manage countrywide collections/Recovery trainings.
. To Prepare effective tools to enhance Collections & Recovery. Capacity planning. Ensure they follow Regional & Local policy mandate.
1 To Look after Business Line and Home Address ( Mortgages Secured Product), Cash line (Running Finance - Unsecured Product), Auto, Litigation & Recoveries
2 To ensure the portfolio should be controlled & maintained and keep the Delq. Ratio within the Budget.
3 Monitor Overall Process / MIS / DCFCs & weekly update to NCM. Issues to Product & Policy Team.
4 Making monthly forecast report for Collections/ Capacity Planning.
5 Provide Training on Collections System & Techniques to accomplish the desired Targets.
Looked after the collections of Unsecured & Secured Loans Manager (RF, Autos & Mortgages).
This is Commerce degree that covers Accounting , Statistics, Business Maths in major.