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概要
With over ten years of experience in bank operations and management, I am a Fulbright (CCID) Fellow and a digital and mobile banking expert who currently oversees the international remittance department and branchless functions at Mobilink Microfinance Bank, one of the leading digital microfinance bank in Pakistan.
I am skilled in bank operations (Branch & Branchless), International Remittance, transactional banking, reconciliation and settlement, regulatory reporting, system development, foreign partner management, audit and compliance, customer service, and business and relationship development. I have successfully improved service quality and operational efficiency at branch level, digitalized mobile app for account opening, updated branch operation manual, and managed prefund and complaints/disputes resolution. I am passionate about enhancing customer satisfaction and financial inclusion through innovative and accessible banking solutions.
工作经历
Mamager Home Remittance
Mobile Wallet Home Remittance OperationsMicrofinance Home Remittance Operations
Regional Operation Manager - North Region
Managing Branch Operations of North RegionWorking to Excel the Customer Services at Region Branches Extensive Trainings of Branch Operations Staff to enhance skills set, increase productivity and reduce TAT for routing operational services
Regional Operation Manager (Acting) Peshawar Region
Digitalization of Mobile App for Account Opening with complete compliance of SBP Prudential RegulationsUpdated Branch Operation Manual with latest SBP Prudential and Bank Regulations to Enhanced/Simplified Policies and Process Controls
Manager Operations And Customer Services
Attained Highest Rating GOOD in Surprise Audit 2019 Conducted by State Bank of Pakistan for Clean Note Policy, Cash Management and General Branch OperationsSuccessfully maintained Internal Audit Rating of Fair & Satisfactory convectively for five years, while provided full support to Sales / Business to grow more than 120 each year.Worked as Acting Branch Manager and Improved overall Business of branch by 50, Increased Assets and Liability portfolio by more than 50 and Maintained Portfolio At Risk to 0Setting Up new Branch and Relocation of Branches Supervised Branch Operations to ensure smooth running of branch as per regulations issued by regulatory authority (State Bank of Pakistan) and bank itself.Monitored functioning of branch in all aspects including operational and administrative functionsTrained the branch staff and build their professional and leadership potential
Supervisor Inventory Management
Worked in ADC department in ATM / Mobile Wallet Card Operations
Worked for production of ATM / Mobile Wallet / Salary Disbursement Cards in Bulk
Worked for distribution of ATM / Mobile-Wallet / Salary Disbursement Cards to 50k+ locations
Launched Inventory Management System
Coordinated with different departments, branches & vendors
Assured Quality
Stock Control
Internee with Vice President of Operations, CFO
Worked closely with Vice President of Operations, Director of HR, Director of Administration on different projectsLearned different business aspects of non-profit/non-government organization in the USADeveloped and implemented efficient processesWorked on Financial and HR files (update and maintenance)Attended meeting with board of directors Learned policies and procedures Learned and Performed HR tasks Prepared Analysis Report for preparation of annual budget
Manager Administration
Supervised team of 10 – 15 social workers
Created and implemented policies and procedures for office routine.
Handled office management
Book keeping, inventories record
Procurement
Monitored Logistics and warehouse management that includes supplies, record keeping and movement of goods & personnel
Recruited skill as well as un skilled workers
Travel arrangements
Built relationships with Government and Non-government Organizations
Coordinated with different suppliers, maintenance & update of their database
Resource managemen
