KIRAN ISHFAQ
Banker
Lahore
Summary
Seeking a role within a large organization that provides job satisfaction and a challenging work environment, offering extensive opportunities for career development based solely on achievement. Additionally, aiming to secure a position where management skills, quality assurance expertise, program development knowledge, and training experience can be maximized.
Overview
9
9
years of professional experience
2
2
years of post-secondary education
Work History
Unit Head - Transaction Banking Central Investment & International Banking Group
JS Bank
05.2024 - Current
- Lead and oversee the transaction banking division, focusing on cash management and payment services.
- Create and implement strategic initiatives to boost market presence and promote business expansion.
- Build and maintain strong relationships with corporate clients, providing customized financial solutions to address their specific needs.
- Work with cross-functional teams to improve product offerings and optimize banking operations.
- Ensure adherence to regulatory standards and internal policies, effectively managing risks.
- Adopt innovative technology solutions to enhance transaction efficiency and improve customer experience.
- Coordinate with internal teams for the smooth implementation of banking solutions.
- Offer training and support to junior staff to improve team skills and performance.
- Regularly assess the bank's AML/KYC policies and those of other regulatory bodies.
- Ensure all transactions comply with regulatory requirements and internal controls.
- Lead and oversee the transaction banking division, focusing on cash management and payment services.
- Create and implement strategic initiatives to boost market presence and promote business expansion.
- Build and maintain strong relationships with corporate clients, providing customized financial solutions to address their specific needs.
- Work with cross-functional teams to improve product offerings and optimize banking operations.
- Ensure adherence to regulatory standards and internal policies, effectively managing risks.
- Adopt innovative technology solutions to enhance transaction efficiency and improve customer experience.
- Coordinate with internal teams for the smooth implementation of banking solutions.
- Offer training and support to junior staff to improve team skills and performance.
- Regularly assess the bank's AML/KYC policies and those of other regulatory bodies.
- Ensure all transactions comply with regulatory requirements and internal controls.
Team Lead - Transaction Banking Central Investment & International Banking Group
JS Bank
09.2023 - 05.2024
- Effectively monitoring team and ensuring the required strength of team is operating on regional level
- Effective review of Sales performance of Relationship Managers & Relationship Executives with the help of Sales Performance report on a daily basis
- Cascading relevant guidelines to the Relationship Managers in order to guide them for enhanced productivity
- Developing & coaching team – to ensure that they are of the highest caliber, who have knowledge about the bank and products, build confidence for them to act on their own if & when a situation arise
- Leading the team – provide Relationship Managers & Relationship Executives with direction & focus to generate enthusiasm by maintaining motivational levels
- Keep the Team result oriented
- Strategic thinking – to develop Sales strategies and channel development to complement Sales budgets
- Concern for quality & standards – to ensure all procedures, service standards & regulatory requirements should be followed accurately in order to provide effective and prompt sales & service
- Complete knowledge of AML & Audit compliance
- Ensuring penetration of cross sell products through team & monitoring down the line.
Corporate Relationship Manager at UBL Bank Ltd (EB & Cash Management)
United Bank - UBL
08.2021 - 09.2023
- Selling Multi Products of Corporate & Retail Banking (Mortgage Loans, Auto Loan, Personal Loan, Advance Salary, EB Current Plus Accounts, Digital Accounts)
- Manage the Team Targets on Monthly basis
- At least 3 fresh companies to be on boarded or average payroll volume of PKR 10 Million per month to be processed
- Advising and assisting the best possible solutions to the queries and complaints of the customers
- Perform periodic reports preparation for targets against achievement
- Identify, investigate and resolve customer service problems in sales and after sales
- Generating new Leads and finding the right companies for Employee Banking and Cash Management Solution
- Handling Portfolio of approximately PKR 1.12 Billion Monthly Payroll
- Maintain relationships with clients by providing support, information, guidance and giving them financial solutions.
Relationship Manager at JS Bank Ltd (Employee Banking Retail Banking)
JS Bank
06.2017 - 08.2021
- Initiator of the Employee Banking and Cash Management Department Central Office
- Selling Multi Products of Retail Banking (Mortgage Loans, Auto Loan, Personal Loan, Advance Salary, EB Elite, Elite Pus Accounts, Wallet Accounts and different Wealth products)
- At least 2 fresh companies to be on boarded or average payroll volume of PKR 10 Million per month to be processed
- Advising and assisting the best possible solutions to the queries and complaints of the customers
- Perform periodic reports preparation for targets against achievement
- Identify, investigate and resolve customer service problems in sales and after sales
- Generating new Leads and finding the right companies for Employee Banking and Cash Management Solution
- Handling Portfolio of approximately PKR 300+ Million average Monthly Payroll
- Maintain relationships with clients by providing support, information, guidance and giving them financial solutions.
Business Development Executive at Standard Chartered Bank (Consumer Banking)
Standard Chartered Bank
04.2016 - 06.2017
- Promoting Personal Loans, Credit Cards, and Sadiq Home Finance
- Engage with approved companies to connect with high-profile clients
- Establishing and meeting monthly targets
Holding meetings with executives from clients like hotels, airlines, and schools to understand their needs and offer solutions - The primary responsibility is to grow the bank's business.
Relationship Officer at Faysal Bank (Retail Banking)
Faysal Bank
06.2015 - 04.2016
- Entertaining extremely wealthy clients
- Ensuring that all written communication with clients is both accurate and informative
- Being the first point of contact for customers
- Addressing any account receivable issues
- Maintaining the integrity and accuracy of client data
- Account Opening
- Auto Loan
- Arranging meetings with clients at the company office or their home address
- Keeping accurate records of any discussions or correspondence with customers
- Ensure all departmental and company processes and procedures are adhered to
- Keeping up to date with any developments as they occur
- Escalating matters to senior Managers.
Education
MBA - Banking And Financial Support Services
Institute of Allama Iqbal Open University Lahore
Punjab, Pakistan 05.2008 - 05.2010
Skills
Teamwork and Collaboration
Team Management
Flexible and Adaptable
Dependable and Responsible
Calm Under Pressure
Organization and Time Management
Supervision and leadership
Personal Information
- Passport Number: QP1845201
- Nationality: Pakistani
- Marital Status: Married
- Religion: Islam
Key competencies
- Having a well-defined and coherent leadership style that connects with clients.
- Consistently contacting customers for follow-up communications.
- Facilitating the smooth launch of new services.
- Motivating team members on a personal level.
- Supervising new business proposals.
- Upholding a high standard of professionalism in all endeavors.
References
Will be furnished if required.
Timeline
Unit Head - Transaction Banking Central Investment & International Banking Group
JS Bank
05.2024 - Current
Team Lead - Transaction Banking Central Investment & International Banking Group
JS Bank
09.2023 - 05.2024
Corporate Relationship Manager at UBL Bank Ltd (EB & Cash Management)
United Bank - UBL
08.2021 - 09.2023
Relationship Manager at JS Bank Ltd (Employee Banking Retail Banking)
JS Bank
06.2017 - 08.2021
Business Development Executive at Standard Chartered Bank (Consumer Banking)
Standard Chartered Bank
04.2016 - 06.2017
Relationship Officer at Faysal Bank (Retail Banking)
Faysal Bank
06.2015 - 04.2016
MBA - Banking And Financial Support Services
Institute of Allama Iqbal Open University Lahore
05.2008 - 05.2010
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