خلاصہ

Dynamic and results-driven banking professional with over 10 years of experience in branch management, credit, deposit recovery, risk Management and lending within the microfinance and investment banking sectors. Proven track record in increasing lending volumes by up to 20%, improving loan collections by 20%, and driving revenue growth through strategic business development and client retention. Expertise in risk management, compliance, service quality, and fraud prevention, with a strong focus on achieving budgeted targets while maintaining portfolio integrity. Adept at leading cross-functional teams, enhancing operational efficiency, and implementing emerging business and technology initiatives. Holds an MBA in Business Management and a Bachelor of Commerce degree

پراجیکٹس

NIBAF

تجربہ

کمپنی کا لوگو
Branch Manager
Escorts Investment Bank Limited
ستمبر ۲۰۲۳ - موجودہ | Nankana Sahib, Pakistan

Coordinate, supervise and control the implementation of objectives to meet the budgeted targets on all areas encompassing: Assets & Lending & Liability, Recovery with maintained portfolio quality and implementation of emerging business & technology initiatives. Continuously Enhance monitoring and control activities to create deterrence against fraud & forgery. Develop a Compliance & Service Quality culture within branch. • increase lending volume by 20% through strategic business development, effective loan structuring, and cross-selling of financial products Evaluate, approve, and manage loan applications within authorized lending limits, ensuring adherence to risk management guidelines. • Improve loan collections by 10% through the development and implementation of effective collection strategies and procedures. Monitor delinquent accounts, developing action plans to reduce default rates and improve the overall quality of the loan portfolio. • Develop and implement strategies to increase branch revenue and market share through the acquisition of new clients and retention of existing ones. • Prepare and present regular reports on branch performance, lending growth, and collections improvement to senior management.

کمپنی کا لوگو
Branch Manager
Mobilink Microfinance Bank Limited
مئی ۲۰۲۲ - جنوری ۲۰۲۳ | Sheikhupura, Pakistan

Oversee, manage, and regulate the execution of goals to achieve the planned targets across various domains, including Assets & Lending and liability management and recovery while ensuring portfolio integrity and the adoption of new business and technology ventures. Constantly improve monitoring and oversight efforts to prevent fraud and counterfeiting. Foster a culture of Compliance & Service Quality within the branch. • Boost lending volume by 15% through targeted business development, optimized loan structuring, and proactive cross-selling of financial products. Review, authorize, and oversee loan applications within established lending limits, ensuring compliance with risk management protocols. • Enhanced loan collections by 20% by devising and executing effective collection strategies, while closely monitoring delinquent accounts and implementing action plans to reduce defaults and improve portfolio quality. • Drove branch revenue and market share growth by acquiring new clients and retaining existing ones. Regularly prepared and presented reports on branch performance, lending growth, and collections improvement to senior management.

کمپنی کا لوگو
Branch Manager
HBL Microfinance bank ltd
دسمبر ۲۰۱٦ - مئی ۲۰۲۲ | Nankana Sahib, Pakistan

Led asset/lending, liability management, and recovery to meet targets, ensuring portfolio integrity and adopting new business and technology initiatives. Enhanced fraud prevention and cultivated a compliance and service excellence culture. Managed various financings, including agricultural, SME, property mortgages, commercial vehicles, housing, livestock, salary/pension loans, and gold-backed loans. • Building the loan portfolio. • Branch supervision, team cultivation, and training & supervision. • Regulatory adherence and service excellence ethos & Expense management and financial viability. • Facilities and additional financial services

کمپنی کا لوگو
Loan Officer
KASHF Foundation
فروری ۲۰۱۴ - دسمبر ۲۰۱٦ | Jaranwala, Pakistan

Responsible for marketing, selling and analyzing potential target clients, processing relevant loan documentations and monitoring loan portfolio, ensuring prompt delivery, repayment of loans and provide periodic portfolio information. Ensure Compliance & Service Quality culture within branch.

تعلیم

Government College University Faisalabad.
ماسٹرز, , MBA‎
Marketing
CGPA 3.6/4
2018
University of the Punjab
ماسٹرز, , B.Com‎
Commerce
فی صد 54%
2014
BISE Lahore
انٹرمیڈیٹ / اے لیول, , I.Com‎
فی صد 69%
2011
BISE Lahore
نان میٹرک, Matric in Science‎
مکمل
2009
BISE
میٹرک / او لیول, , Matric in Science‎
فی صد 67%
2009

پیشہ ورانہ مہارتیں

ماہر Branch Management
ماہر Account Management
ماہر Account Receivable
ماہر Accounting Skills
ماہر Accounting Standards Command
ماہر Accounts Management
ماہر Accounts Receivable Process
ماہر Accounts Software Command
ماہر Achievement of Monthly CASA Deposit Targets
ماہر Achievement of Total Deposit Targets
ماہر Admin Operations Management
ماہر Administration Knowledge
ماہر Aesthetic Procedures Knowledge
ماہر Agriculture Credit
ماہر Analytical Reasoning
ماہر Analytical Reporting
ماہر Analytical Review
ماہر Analytical Skills
ماہر Apparel Sourcing
ماہر Audit
ماہر Audit Management
ماہر Audit Reports Management
ماہر Audit Software Command
ماہر Auditing
ماہر Automation Machinery Knowledge
ماہر B2B Business Development
ماہر Bank Dealings
ماہر Bank Reconciliation
ماہر Bank Reconciliation on
ماہر Banking
ماہر Bidding
ماہر Bidding Strategies
ماہر Billing Process Knowledge
ماہر Billing Statements
ماہر Binding Knowledge
ماہر Booking Of Financial Cost In SAP 4
ماہر Bookkeeping Knowledge
ماہر Bossiness Development Strategies
ماہر Branch Administration Skills
ماہر Branch Handling
ماہر Branch Management
ماہر Budegting Forecasting
ماہر Budget Monitoring
ماہر Budget Reconciliation
ماہر Budgeting
ماہر Business Administration
ماہر Business Analysis
ماہر Business Analytics
ماہر Business Coordination
ماہر Business Development

زبانیں

ماہر پنجابی
ماہر انگریزی
ماہر اردو

Muhammad آپکے جاننے والے

Sheroze Zafar
Advans Pakistan Microfinance Bank Limited