SANJAY KUMAR

Managed a branch portfolio exceeding PKR 120 million; led deposit mobilization initiatives resulting in 100%
growth; ensured full KYC and AML compliance.
supervised and promoted digital banking solutions.i.e. digital account opening, POS & QR deployment to
enhance customer convenience.
Managed 06 employees, fostering teamwork and performance excellence to improve service quality and
customer retention.
Ensured strict adherence to AML, CDD, and SBP regulations; led internal audit readiness checks reducing
non-compliance issues.
Developed and maintained strong client relationships, delivering tailored financial solutions to meet
customer needs.
Promoted cross sale i.e. Auto Finance, Home Finance, Credit Card, Personal Loan and Bancassurance

Managed a branch portfolio exceeding PKR 600 million by Increasing branch deposit base by 50% through
strategic customer engagement, improving customer service and staff motivation
Promoted Agriculture and SME finance business in branch
Promoted business development and cross-sell activities i.e. Home finance, Car finance, Personal loan and credit card
and Bancassurance contributing to branch profitability, customer satisfaction and staff recognition.
Oversaw a team of 10 employees, promoting collaboration and high performance to enhance service
quality and boost customer retention.
Supervised and trained branch staff to enhance service quality and operational efficiency.

Managed day-to-day branch operations ensuring accurate and efficient service delivery.
Developed business relationships with clients.

Supervised branch operations and compliance activities; ensuring operational continuity.
Reduced redundancies by streamlining processes, improving turnaround time, and enhancing quality
service delivery.
Ensured risk assessment and regulatory compliance through periodic review and process improvement.

Handled cash operations, account maintenance, and compliance checks ensuring accuracy and adherence
to bank policies.

Processed cash transactions, account openings, clearing, Transfers, captured card handling, resolving cash
retraction issues and ATM reconciliations ensuring full regulatory compliance.
Assisted in customer relationship management