Muhammad Yasir Bhatti

Experienced in driving remittance growth through strategic planning, corridor analysis, and cross-functional
collaboration.
Boosted digital adoption through ER ATM cards, URPAY wallet, and Tahweel transformation prprogram.
Issued ER ATM cards and promoted new banking products, delivering tailored financial solutions.
Played a key role in corridor development and expansion by focusing on cross-border payments specially for
Pakistan, India, Nepal, Srilanka, Bnagladesh and Philppine corridors.
Maintained strict adherence to operational policies and procedures, and provided training to branch staff to
boost customer satisfaction and service excellence.
Managed relationships with financial institutions, MTOs, PSPs, MSBs and different correspondent banks
representative to expand remittance reach.
Ensured full compliance with SAMA, AML, and KYC protocols in remittance processes.
Work with regional manager to implement transaction monitoring and reporting frameworks.
Exposure to cross-border partner fee in remittance-linked product launches.
Tracked adoption KPIs for Tahweel and URPAY wallet programs.
Plan events, product launches, and promotional initiatives within different communities programs.
Established and nurtured a loyal customer base in the region, enhancing retention and repeat business.

Conducted corridor analysis and market banks products for digital remittance and branches growth.
Performed market research, competitor analysis, and client trend tracking to support strategic decisions and
boost remittance transaction in the region.
Identify customer needs, analyze competitor offerings, and sales trends to recommend product enhancements.
Facilitated workshops by visiting different companies and labour camps to boost transaction volumes.
Gathered client feedback and industry insights to support product development and marketimg strategies.
Built relationships with clients and partners, serving as a key liaison between external stakeholders and
internal teams.
Supported the sales team by qualifying leads, coordinating meetings, preparing presentations, and
contributing to sales strategies.
Regularly tracked and reported on sales pipeline progress and market insights to senior management.

ATM Replenishment & Maintenance
Reconcile ATM transactions, cash balances, and resolve discrepancies with Finance or Audit teams.
Ensure full compliance with safety protocols, cash-in-transit procedures, and dual custody requirement
Process domestic and international remittance requests using in-house or third-party platforms (e.g., Western
Union, MoneyGram, Transfast, Prabhu Money, Instant Cash, Xpress Money or bank systems).

Processed and issued of Cheque books and W.Holding Tax deduction.
Maintained proper record and balancing of Chq Books, generated Pay orders and demand drafts.
Exercised hands-on approach and effective controls to perform routine tasks including Account Opening,
Monthly Reporting, Checking of daily reports & ITJ, and E-filling of tax returns.