خلاصہ

Results-driven Bank Operations Manager with 7+ years of experience in banking operations, cash management, and regulatory compliance. Proven expertise in branch management, off-site ATM operations, risk control, and customer service. Skilled in using banking software such as MYSIS, Cashier System, Spark System, Oracle, People Connect, and Outlook.
Seeking to leverage my expertise in operational excellence and compliance in a leading banking role. I am a smart banking professional with an insatiable appetite for dynamic challenges, strong passion & knowledge of Banking and a commitment to problem solving

تجربہ

کمپنی کا لوگو
Primary School Teacher BPS-14
EDUCATION AND LITERACY DEPARTMENT GOVERNMENT OF SINDH
اگست ۲۰۲۴ - موجودہ | Kotri, Pakistan

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کمپنی کا لوگو
Branch Operations Manager
Habib Bank Limited
اکتوبر ۲۰۲۱ - اگست ۲۰۲۴ | Hyderabad, Pakistan


Managed overall branch operations, cash handling, and compliance with SBP regulations.
Supervised transaction processing, ensuring smooth customer service and minimal errors.
Led internal audits and risk assessments to strengthen branch security.
Trained staff on operational procedures and fraud prevention measures.
Played a key role in upgrading the sub-branch into a full-fledged branch.
Oversaw daily branch transactions, cash flow management, and AML/KYC compliance.
Conducted audits, ensuring 100 compliance with SBP policies.
Led customer service initiatives, reducing complaint resolution time.

کمپنی کا لوگو
Branch Manager- Sub Branch
Habib Bank Limited
فروری ۲۰۲۱ - اکتوبر ۲۰۲۱ | Hyderabad, Pakistan


Managed sub-branch banking operations, cash handling, and customer relations.
Ensured adherence to SBP and internal banking regulations.
Coordinated with regional banking authorities to streamline processes.

کمپنی کا لوگو
Cash Officer
Habib Bank Limited (HBL)
جنوری ۲۰۱۷ - مارچ ۲۰۱۹ | Hyderabad, Pakistan


Job Responsibilities
Customer Services
• Error free execution of all customer/branch based financial (cash receipt and payments) and all other non-financial transactions as per delegated authority and SOPs, to ensure accurate processing and optimum level of customer satisfaction.
Control and Compliance
•Implement all processes as per bank’s Standard Operating Procedures and agreed KPIs in order to ensure adherence to the policies and maintain branch performance. • Check and monitor the assigned branch operational reports to mitigate operational risk and help with the branch in attaining satisfactory audit rating
Branch Security
 • Safeguard the cash vault, stationery and ATM, while processing transactions, in order to maintain security and reduce the banks exposure to undue risk.
• Report suspicious transactions to the Branch Operations Manager or Manager Teller as and when required, to ensure further escalation to compliance in a timely manner.
• Ensure all charges are recovered as per Schedule Of Bank Charges (SOBC) from customers to avoid any financial loss.
Reporting
 • Maintain all cash related MIS / Cash Transactions Reporting on a timely basis as per defined policies, for facilitating reporting to the regulatory bodies (SBP) and senior management
Operational Execution
• Maintain cash in hand and Vault in accordance with State bank’s clean note policy and assigned cash-in-safe limits, to avoid regulatory penalties / payment of excess premium and to attain satisfactory audit ratings
• Ensure cash balancing are reconciled with cash on hand GL in all currencies to mitigate cash differences.

کمپنی کا لوگو
Intern
Basic Development Foundation
جون ۲۰۱۵ - جولائی ۲۰۱۵ | Hyderabad, Pakistan

Six weeks internship

کمپنی کا لوگو
Intern
Pakistan Telecommunication Company Limited (PTCL)
جون ۲۰۱۴ - جولائی ۲۰۱۴ | Hyderabad, Pakistan

Six weeks internship

تعلیم

University of Sindh
ماسٹرز, ماسٹرز ان بزنس ایڈمنسٹریشن, MBA honours‎
Human resources Management
CGPA 2.8/4
2018
University of Sindh
بیچلرز, بیچلرز ان بزنس ایڈمنسٹریشن, BBA(Hons)‎
HRM and Information Technology
CGPA 3.1/4
2015
Larkana Board (BISE Larkana)
انٹرمیڈیٹ / اے لیول, , F.Sc Pre-Engineering‎
physics , chemistry , mathematics
فی صد 66%
2011
Larkana Board (BISE Larkana)
, Matric in Science‎
فی صد 78%
2009
Larkana Board (BISE Larkana)
میٹرک / او لیول, , Matric in Science‎
Science
فی صد 78%
2009

پیشہ ورانہ مہارتیں

متوسط Accounting
متوسط AML
متوسط Analytical Skills
متوسط Anti Money Laundering
ماہر Branch Management
متوسط Complaint Management
ماہر Customer Relationship Management
ماہر Customer Service Skills
ماہر Effective Working Relationships
ماہر Excellent Interpersonal Skills
متوسط Export Consignments Management
متوسط Finance Knowledge
متوسط Finance Reporting
متوسط Fund Accounting
متوسط Harassment
متوسط ISBP
ماہر Microsoft Office 1
متوسط MS Excel
ماہر Official Tasks Handling
ماہر Oral And Written Communication Skills
متوسط Record Keeping Skills
متوسط SAS Administration
متوسط SBP Products
متوسط SBP Regulations
ماہر Security Principles
متوسط SMA
ماہر Special Effects
ماہر Sterilization Procedure
متوسط Swift
ماہر Team Player
متوسط Transaction Monitoring
متوسط Turbine Monitoring
متوسط UCP
ماہر Working Experience of Screening System
متوسط Written Oral and Communication

زبانیں

متوسط اردو
متوسط انگریزی

Ghulam آپکے جاننے والے

Muhammad Azam
Habib Bank Limited (HBL)