Hi, I’m
Javaid Ahmad Mubah
VP-Area Manager
Mirpur AJK
Summary
Driven Area Manager with 15+ years of experience in management capacity and strong competitive sales drive, adaptability and perseverance. Well-honed listening skills and problem-solving attitude to uncover needs and overcome objections to close sales and achieve goals within multiple assigned territories. Successfully motivates and develops sales teams in results-driven and customer-focused environments with positive attitude towards achievement.
Overview
15
years of professional experience
5
years of post-secondary education
2
Languages
Work History
HBLMirpur
Area Manager
02.2021 - Current
Job overview
- Assessed reports to evaluate performance, develop targeted improvements, and implement changes.
- Developed sales strategy based on research of consumer buying trends and market conditions.
- Conducted training sessions to educate employees on best practices and procedures to increase profitability.
- Drove year-over-year business growth while leading operations, strategic vision, and long-range planning.
- Exceeded targets by building, directing, and motivating high-performing sales team.
- Achieved sales goals and service targets by cultivating and securing new customer relationships.
- Achieved established KPI for Bank, regional team and individual performance through teamwork and focus on customers.
- Managed accounts to retain existing relationships and grow share of business.
HBLBhimbher
Area Manager
08.2019 - 02.2021
Job overview
- Developed sales strategy based on research of consumer buying trends and market conditions.
- Exceeded targets by building, directing, and motivating high-performing sales team.
- Assessed reports to evaluate performance, develop targeted improvements, and implement changes.
- Reported sales activity, generated sales quotations, and proposals and maintained customer contact database to achieve sales objectives.
- Drove revenues and team morale by developing and deploying sales contests.
- Built lasting relationships with clients through outstanding customer service interactions.
- Improved process efficiency by implementing new cart retrieval process and correcting poor work habits.
- Resolved conflicts promptly to promote positive environment for customers.
- Brought in exceptional candidates to boost team productivity and operational efficiency.
- Transformed underperforming teams into productive, profitable teams.
- Exceeded sales targets with well-developed sales strategy and empowering team coaching.
HBLChaksawari
Area Manager
06.2018 - 08.2019
Job overview
- Drove year-over-year business growth while leading operations, strategic vision, and long-range planning.
- Exceeded targets by building, directing, and motivating high-performing sales team.
- Developed initial sales roadmaps and market strategies to promote successful product results.
- Visited customer sites to deliver sales presentations and demonstrate products or services.
- Achieved sales goals and service targets by cultivating and securing new customer relationships.
- Built relationships with customers and community to establish long-term business growth.
HBL-Pakistan Chowk BranchGujrat
Branch Manager
07.2017 - 06.2018
Job overview
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.
- Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Assessed employee performance and developed improvement plans.
- Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
- Resolved various issues impacting sales management and business operations.
HBL-Railway Road BranchGujrat
Branch Manager
02.2014 - 07.2017
Job overview
- Increased the branch Current Deposit portfolio from 184 Million to 391 Million during 2014 to 2015.
- Successfully injected PKR 132 Million in the Islamic portfolio to kick-start the new Islamic banking window.
- Increased the branch deposit portfolio by a staggering 13% from PKR 1.14 Billion to PKR 1.29 Billion.
- Exceptional performance in HBL-Asset Management (newly introduced Product) by investing 70 Million in HBL-INCOME Fund.
- Managed branch sales, customer service, finances and recordkeeping.
- Resolved customer complaints to maintain high level of satisfaction.
- Coordinated calls to prospective and existing customers, acceptance of small business loan applications and referrals to other product specialists.
- Achieved sales goals and service targets by cultivating and securing new customer relationships.
HBL-Fisal Gate BranchGujrat
Branch Manager
05.2011 - 02.2014
Job overview
- Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
- Identified partnership opportunities and established favorable business connections.
- Compiled database of loan applicants' credit histories, financial statements and other financial information.
- Completed filings and upheld strict compliance with regulatory agencies and supervisors.
- Maintained friendly and professional customer interactions.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
HBL-Kachery Chowk BranchGujrat
Teller Service Manager
02.2008 - 05.2011
Job overview
- Coordinating processing of transactions encompassing cash deposits, cash withdrawals, foreign currency, remittances and other products of the bank.
- Performing physical supervision of checks and vouchers (2nd signatory) whilst meeting cash transfer and cash balancing requirements.
- Printing JRC of users and thoroughly checking it with source documents to identify and rectify any irregularities.
- Enhancing the bottom-line of the Bank by expanding the Branch Business through long term engagement with Low Cost HNWIs (High Net-Worth Individuals).
- Adhering with KYC (Know Your Customer) and Anti Money Laundering guidelines while initiating and reviewing customer relationship for the assured realization of seamless flow of operations.
- Complying with HBL’s internal policies & procedures to achieve an overall favorable audit rating
Education
Hamdard University Islamabad
MBA from Finance
02.2002 - 09.2004
Punjab University Lahore
B.Com from Accounting And Business Management
02.1999 - 03.2001
Skills
Business development and planning
undefinedAccomplishments
- Top Area-Manager Award for Highest Credit Card Sales 2022.
- 2 nd position in 2021 as an Area Manager.
- Top Area Manager in 2019 & 2020 in Mirpur AJK HUB (PAN Pakistan on 4th Position).
- Appreciation from Group Head & Head Distribution Central on booking of 70 Million deal in HBL- Asset Management (HBL-Income Fund) during 2015. (Regions Biggest Hit).
- Awarded Certificate of Achievement for exceptional performance in the Personal Loan Campaign “Mission 3.5B” (2015). • Secured first position at PAN Pakistan - NTBS (2013).
- Received Certificate of Appreciation from the Head of Branch Banking for outstanding performance in the HBL-Easy Loan Campaign (2013).
- Secured first position at PAN Pakistan - HBL Money Club Accounts.
- Secured third Position in B-Category Branches in terms of cumulative deposits.
- Achieved highest ranking in percentage of deposits of B-Category at the Faisal Gate Branch.
- Received Target Attainment Award (2011 & 2012).
- Received Letter of Appreciation from the HBL Regional Head Quarter for injecting fresh deposits to the tune of PKR 11.5 Million in February 2009
Additional Information
As a highly motivated and experienced professional, I am passionate about making a positive impact in my field of expertise. With a strong track record of success in various roles throughout my career.
Availability
See my work availability
Not Available
Available
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
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Timeline
Area Manager
HBL
02.2021 - Current
Area Manager
HBL
08.2019 - 02.2021
Area Manager
HBL
06.2018 - 08.2019
Branch Manager
HBL-Pakistan Chowk Branch
07.2017 - 06.2018
Branch Manager
HBL-Railway Road Branch
02.2014 - 07.2017
Branch Manager
HBL-Fisal Gate Branch
05.2011 - 02.2014
Teller Service Manager
HBL-Kachery Chowk Branch
02.2008 - 05.2011
Hamdard University
MBA from Finance
02.2002 - 09.2004
Punjab University
B.Com from Accounting And Business Management
02.1999 - 03.2001
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