Muhammad Asad

Core Responsibilities:
• Offering vehicle financing and insurance to customers and providing them with a thorough explanation of aftermarket products and extended warranties and a complete explanation of manufacturer and dealership service procedures and policies
• Seeking new lending associations and maintaining good working relationships to secure competitive interest rates and financing programs
• Processing financing and leasing deals accurately and securing approval through financial sources and through the proper federal state and corporate channels.
• Understanding and complying with federal, state and local regulations that affect the new and used-vehicle and financing programs
• Creating and maintaining a program with the sales department that will ensure all new sales are referred to the F&I department
• Training and providing the sales team with information on finance and lease programs and the benefits of the dealership’s financing and extended service programs

Core Responsibilities:
• Strengthening relationship with the existing customers and closely monitor the daily attrition and deepening
• Maintaining overall liabilities portfolio of the branch
• Ensuring the highest standards of know-your-customer requirements supported by documentation
• Keeping customers informed of new products/services and promotional activity.
• Soliciting fresh customers as per agreed Bank's sales policy, strategy, and targets
• Running a team of four Relationship officers to generate CASA (current accounts and saving accounts) deposits and provide prompt and excellent service to the bank’s customers
• Visiting existing consumer banking customers for relationship deepening
• Maintaining close co-ordination with Business Unit Manager and Area Manager to effectively resolve all customers related issues and problems

Core Responsibilities:
• Ensuring that Account Opening procedures are strictly adhered to as per procedures
• Ensuring that whenever possible, cross sell opportunities are fully exploited in dealings with Existing and new customers.
• Keeping customers informed of new products/services and promotional activity.
• Soliciting fresh customers as per agreed Bank's sales policy, strategy, and targets.
• Visiting existing consumer banking customer for relationship deepening.
• Monitoring customers fund movement and identity where customers fall below criteria level.
• Ensuring the highest standards of know-your-customer requirements supported by documentation.
• Promoting the highest level of personalized customer service and responsiveness to the entire customer base of the branch.
• Ensuring that the branch premise maintains highest standards of hygiene, Cleanliness and comfort.
• Working on tail management exercise on a time to time basis to gain NFI.
• Customer retention efforts with personal involvement in complaint resolutions.
• Intelligently accessing the needs and problems of the existing customers and guide them in the best solution of their queries and concerns.
• Maintaining a close coordination with the operation and sales staff to provide prompt and excellent service to the bank’s customers.

Core Responsibilities:
My duties were to accomplish sales target, Code check, store availability check, commodity Enquiry and working with customer queries and team management.
Skills Developed:
Gained high intensity knowledge on retail management working with Sainsbury’s and learnt high levels of customer service and trading techniques