Zafarullah Memon

Responsible for overall HR operations of HSBC Bank Oman SAOG in Pakistan including Recruitment & Selection, Performance Appraisal System, Employee Benefits & Personnel files and preparation of contracts for contractual employees. I shortlist candidates and conduct interviews along with the respective department heads and also make sure that the newly hired employees receive proper orientation for smooth induction. I impart in-house soft skills trainings on regular basis. My role is also to maintain strict financial control and discipline to avoid any unexpected costs due to lack of control. I am a member of Local Management Committee & Trustee of employees PF trust as well as the designated complaint handling officer to conduct investigations and suggest actions.
Manager Operation-Pakistan(Pan Pakistan Level)
Being responsible for the overall financial operation of all three branches in Pakistan, which were reporting Managing and leading Bank staff to deliver exceptional customer service. Working hard to bring in new customers and boost the Bank's profits.
 Identifying the needs of customers and then working hard to meet or even exceed them.
 Working hard to market and sell the Banks products like mortgages, loans etc.
 Monitoring customer accounts per KYC / AML Policies.
 Maintaining all quality and procedural standards within the Branch.
 Keeping an eye on competitor activities.
 Managing the day to day running of the branch.
 setting and achieving targets.
 Responsible for recruiting staff, including advertising, interviewing.
 Implementing policies that build trust between the Bank and its customers.
 motivating and leading the Bank’s staff.
 Visiting business customers of the Bank on Pan Pakistan level.
• Coordinated with SBP auditors during their audit and timely rectifications of audit objections.
• To run smoothly and efficiently branches in accordance with policies / procedures laid down by the bank and regulatory authorities.
• Provide accurate and updated information to Head Office, Muscat to help in timely and correct decision making.
• Ensure all expenses incurred in the branches are within the budget and approved by concerned authorities all outside budget capital and revenue expenditures
• Coordination with various departments of the Bank Locally as well HO at Muscat, Sultanate of Oman.
• Maintaining financial control and discipline in the branches so that any loses due to lack of financial. Control can be avoided.
• To ensure that cash is managed as per SBP Guidelines of Cash Management.
• Coordination with various departments of State Bank of Pakistan, Like Cash Monitoring Inspectors, BPRD, Cash Department etc.

Core responsibilities included implementation of HR Policies and Financial Control in accordance with the Head Office. Provided suggestions to HR Department to introduce modern HR concepts in Appraisal System and Promotion Policies among others. Coordinated with various departments and corresponded with the Head Office to provide accurate updated information to facilitate timely and correct decision making. Monitored account openings with strict adherence to KYC policy as per SBP prudential regulation. Other administrative areas included staff supervision, office discipline and looking after Bank’s assets

Branch Manager (Cochinwala Market Branch, Karachi) OCT 2006 TO AUG 2007
Launched new branch of KASB Bank and managed all functions relating to the new branch office including staff hiring, training, evaluation, work schedules and payroll. Was responsible for the effective and efficient management of the branch with high standard of customer service in accordance with the policies & procedures laid down by the bank and regulatory authorities.

Manager Operations (Jodia Bazar Branch, Karachi) SEP 2005 TO OCT 2006
Assisted Branch Manager with day to day working of the branch. Handled all matters related to HR in the branch and suggested new training policies to the bank for nationwide implementation. Coordinated with internal/external and SBP auditors during their audits of the branch and acted accordingly to rectify any objections raised during the audits.

Head Data Consolidation Center (Cash Management Division) JUN 2003 TO MAY 2005
Established Data Consolidation Center for the first time in the history of Habib Bank Limited. Main responsibility was to consolidate funds and prepare MIS of Cash Management Products offered to various corporate clients including Viz., PSO, SSGC, Unilever, Shell Pakistan, and PTCL among others. In addition to that, coordinated with I.T department for updating of systems on oracle.

PRIOR WORK EXPERIENCE AT HABIB BANK LIMITED
My association with Habib Bank Limited lasted for more than 21 years, starting from July 1984 to May 2005. Before taking charge as Head Data Consolidation Center (Cash Management Division), I served Habib Bank Limited in the following capacities over a period of time:
• Manager Operations, State Life Branch, Karachi
• Officer Credit Administration
• Officer International Banking
• Sub Manager (Manager Operations), Court Road Branch, Karachi
• Sub Manager (Manager Operations), Dockyard Road, Branch, Karachi