Manager - Branch Distribution / Personal Banking
Meezan Bank Limited
Total years of experience :18 years, 9 Months
• Introduced Personal Banking & Business Development Sales models in MBL branch network.
• Heading personal banking department and branch network in close liaison with Group Head Branch Network & SME/Commercial.
• Make policy / procedures & guidelines to drive liability Sales Channel.
• Made effective systems to tag accounts to sales staff in branches & monitor them via head office.
• Approving / monitoring branches new hiring slots and centralized checking of staff hiring in the branches.
• Continuous check & balance of deposit dips in branches deposit portfolio.
• Allocating Budgeted Deposit targets to all Regions / Areas in view of their size, performance and resource allocation.
• Designing Deposit campaigns to improve overall Bank’s CASA and promotes Cross-sell.
• Head office based nationwide performance monitoring of all Personal Bankers / BMs to ensure that the targets are met without breaching any compliance.
• Interviewing and hiring experienced potential candidates for personal banking in the MBL branches & ensure that they deliver best services and one window solution to our customers.
• Managing cross- selling of Meezan Investment Fund & different consumer products through branch network.
• Liaison with 7 Regional Managers, 28 Area Managers and 275+ Branch Managers all over Pakistan to monitor / guide and give direct feedback regarding performance of products.
• Monitor & promote all deposit products via branch network.
• Also Introduced Priority banking in MBL. Designed product paper and outlook of priority centers in close coordination with Marketing Dept.
• Initiating Portfolio management and establishing Strategic Business Unit (SBU) in Meezan bank.
Assistant Product Manager - Cross-sell/Liabilities Nov 2008 - Mar 2010
Marketing & Product Management group
• Looking after the Liability Sales Force portfolio by continuous performance monitoring and by taking new initiatives to attain best possible results (deposits management)
• Monitoring & manage Schedule of Charges (SOC's) of the bank nationwide.
• Complete monitoring & managing Free Insurance and E-Statements.
• Assist in establishing strategies, framework, and processes for the product development activities, launching strategies and implementation of product / promotion plans and for cross selling initiatives with other businesses.
• Handle Branch Banking related issues.
• Launching project of Institutional Marketing in Retail bank.
• Coordinating with sub departments to ensure smooth parallel operations of business.
• Preparing profile of all expensive products to ensure its consolidation and to facilitate liquidity management for better decision making.
Assisted in designing workflows and systems.
Credit Analyst (CIU-Autos) Jan 2007 - Oct 2008
• Signing off files as a credit signer.
• Playing an active role in leading and insuring results
• Carrying out Risk analysis for loan sanctioning
• Responsible for measuring and calculating the risk as well as the criteria of loans
• Supervising and coordinating with Cross functional Departments on a daily basis to ensure correct facts and figures as well as resolving discrepant cases. Also independently managing and assessing cases from different regions.
• Responsible for achieving volume and revenue to meet profit targets.
• Supporting Business, Product and Policy to meet targets within the specified matrix.
Assistant Credit Analyst Oct 2005 to Jan 2007
• Handling Countrywide MIS
• Pre-screen the loan applications
• Sending Daily Countrywide status to all group Heads.
• Generating disbursal memo documents and purchase orders.
• Calculating debt burden.
• Checking entire file as per policy.
2007- 2010 MBA from Institute Of Business Management in Finance
2001-2005 Software Engineering from 'Bahria University' Karachi campus
1999-2001 HSC from DJ Sindh Government Science College Karachi
1997-1999 SSC from DHA Model High School, phase 7, Karachi.
