Microsoft Office
Muhammad Shahzad
Banker
Sarai Alamgir, Punjab,PB
Summary
Proven leader in Islamic banking, excelling in operations management and team development at HBL Islamic Bank. Spearheaded initiatives driving revenue growth and operational efficiency, training over 1,000 employees. Expert in relationship building, business planning, and process improvement, achieving significant performance targets and customer satisfaction. Encouraging manager and analytical problem-solver with talents for team building, leading and motivating, as well as excellent customer relations aptitude and relationship-building skills. Proficient in using independent decision-making skills and sound judgment to positively impact company success.
Overview
23
23
years of professional experience
6
6
Certifications
Work History
Area Manager
HBL Islamic Bank
11.2020 - Current
- Successfully trained over 1,000 employees in Islamic banking across multiple regions, fostering a culture of excellence and compliance.
- Directed daily branch operations to align with business objectives, ensuring seamless service delivery and operational efficiency.
- Led and mentored a team of professionals, consistently driving revenue growth and exceeding performance targets.
- Cultivated a positive and secure work environment, ensuring staff well-being and enhancing customer satisfaction through timely, high-quality service.
- Strategized and developed business plans, optimizing resource allocation to achieve maximum productivity.
- Actively participated in talent acquisition, onboarding, and staff training to strengthen team capabilities.
- Conducted performance evaluations, implementing tailored development plans to enhance employee growth.
- Continuously assessed and refined business processes, recommending improvements to boost efficiency and customer experience.
- Resolved customer inquiries and issues promptly, ensuring a smooth and satisfactory resolution.
- Ensured full compliance with banking regulations, including AML/KYC protocols and State Bank of Pakistan (SBP) guidelines.
- Rigorously adhered to security protocols across all branches, maintaining a high level of operational integrity.
- Provided regular reporting to senior management, offering insights and updates on operational performance.
- Established and maintained a robust monitoring framework, ensuring continuous improvement and risk mitigation.
- Built strong relationships with potential clients, identifying and capitalizing on new business opportunities.
- Conducted capital budget analysis, identifying opportunities for cost optimization and improved financial management.
Area Manager
Mcb Islamic Bank
04.2018 - 11.2020
- Oversee daily branch operations, ensuring alignment with strategic business goals and operational efficiency.
- Lead, mentor, and motivate a team of professionals to drive revenue growth and achieve performance targets.
- Foster a safe and positive work environment, promoting staff well-being and high morale.
- Ensure exceptional customer satisfaction by delivering timely, high-quality services and solutions.
- Develop and implement strategic business plans to optimize resource utilization and enhance operational productivity.
- Participate in talent acquisition, recruitment, and training, contributing to a strong, capable workforce.
- Conduct performance evaluations and create tailored development plans to support staff growth and career advancement.
- Continuously review and refine business procedures to boost efficiency and improve customer experience.
- Proactively address customer inquiries and concerns, ensuring prompt and satisfactory resolutions.
- Ensure strict compliance with Bank and State Bank of Pakistan (SBP) regulations, including AML/KYC standards.
- Enforce all security protocols across branches to maintain operational integrity and safeguard assets.
- Stay abreast of legal and regulatory updates, ensuring branches remain compliant with the latest AML/KYC requirements.
- Prepare and review detailed reports for senior management, providing insights on operational performance.
- Maintain a robust monitoring framework to track performance and ensure continuous improvement.
- Ensure adherence to SBP regulations and MIB Bank policies, implementing necessary updates and improvements.
- Review and sign off on periodic reports and registers, ensuring accuracy and regulatory compliance.
- Cultivate and maintain strong client relationships, identifying and pursuing new business opportunities within the region.
- Conduct thorough capital budget and expense analysis to identify opportunities for cost optimization and increased profitability.
- Develop and execute targeted marketing strategies to achieve business goals and enhance branch visibility.
- Perform market research to stay updated on consumer behavior, emerging trends, and competitor activities.
- Organize regular meetings with management to discuss business updates, address challenges, and explore new opportunities.
- Provide ongoing training to staff on daily operations, brand promotion, and customer service excellence.
- Regularly review regulatory circulars and notifications to ensure the timely implementation of any updates within the bank.
- Address audit findings and regulatory issues, ensuring timely resolution and adherence to internal and external controls.
Branch Manager
Meezan Bank
09.2009 - 04.2018
- Managed branch financials including budgeting, forecasting, and expense tracking for accurate reporting and decision-making support.
- Successfully managed and exceeded annual sales targets for liabilities and SME business, aligning branch performance with management’s strategic objectives.
- Delivered exceptional customer service by implementing ‘best-in-class’ standards, consistently achieving high Branch Service Ladder scores.
- Maximized the branch’s income by leveraging customer portfolios to cross-sell a wide range of bank products, contributing to the overall goals of the bank and its group.
- Effectively managed branch resources by coaching and motivating staff, enhancing their performance to maximize financial contribution.
- Implemented a robust monitoring system to track deposit and loan portfolio attrition, taking swift corrective actions to maintain consistent business volumes.
- Fostered a culture of regulatory compliance, ensuring strict adherence to internal policies and SBP regulations, resulting in strong audit, compliance, and internal control ratings.
- Facilitated regular meetings with business and compliance teams, ensuring seamless communication and the prompt resolution of KYC-related issues.
- Boosted employee morale and retention through on-the-job training, job rotation, and professional development opportunities, enhancing team engagement and productivity.
- Regularly reviewed and monitored the branch’s administrative expenses, identifying cost-saving measures to improve profitability while maintaining operational efficiency.
Branch Manager
UBL Bank
05.2005 - 08.2009
- Developed and implemented innovative strategies to expand business opportunities, driving growth and profitability.
- Cultivated strong relationships with new customers while ensuring retention of existing clients through personalized service and engagement.
- Proactively resolved customer issues, ensuring their financial needs were met with tailored solutions and high-quality service.
- Crafted and monitored comprehensive bank sales strategies, aligning with overall business objectives and driving performance.
- Managed and optimized the loan portfolio, ensuring profitability while mitigating risk and ensuring compliance.
- Identified and capitalized on new business opportunities, continually expanding the bank’s client base.
- Trained, mentored, and coached branch banking staff, enhancing their effectiveness and fostering a high-performance culture.
- Oversaw and ensured the accuracy of accounting records through regular verification, updates, and rectifications.
- Prepared detailed financial statements and operational reports for the head office, providing insights into branch performance.
- Managed client accounts with a personalized approach, offering financial counseling to meet individual client needs and objectives.
- Set and cascaded branch targets across the sales and SME departments, regularly monitoring staff performance to ensure alignment with business goals.
- Held regular meetings with business and compliance teams, facilitating open communication and resolving KYC-related issues promptly.
Sales Officer
UBL Bank
05.2001 - 05.2005
- Managed the branch’s liability portfolio and maintained strong client relationships, ensuring continued growth and customer retention.
- Ensured full compliance with the Bank’s approved Sales Process Model, consistently aligning branch activities with best practices.
- Regularly updated sales activities in Sales Maximizers software to track performance and optimize sales strategies.
- Guided customers on a range of banking products, policies, and account requirements, ensuring they made informed decisions aligned with their financial needs.
- Successfully met and exceeded assigned targets for deposit mobilization, cross-selling, and new-to-bank (NTB) accounts.
- Delivered exceptional customer service by offering tailored advice and solutions to meet customers' financial goals and requirements.
- Proactively pursued opportunities to acquire new customer relationships, leveraging market contacts and references to expand the branch’s client base.
- Maintained strict compliance with KYC/AML guidelines, account opening policies, SBP regulations, circulars, and the Foreign Exchange Manual, ensuring regulatory adherence at all times.
Education
MBA - Accounting And Finance
Virtual University of Pakistan
Jhelum 04.2001 -
Diploma - INTERNATIONAL FINACIAL REPORTING STANDARDS
ICMA PAKISTAN
Islamabad, Pakistan 04.2001 -
M.S.C - Mass Communication
Virtual University of Pakistan
Islamabad, Pakistan 04.2001 -
BBA - Business Administration
AJK University
Mirpur 04.2001 -
Skills
Relationship building and management
Business development and planning
Team Development
Operations Management
Controlling costs
Customer Relationship Management
Operations
Staff Training and Development
Staff Management
Goals and performance
Staff Training
Resource Allocation
Process Improvement
Software
AxiomSL
Zendesk
SAP Treasury
Anking CRM Software
LMS
Power BI
KYC Compliance Software
Oracle Financials
Languages
Urdu
Native language
English
Proficient
C2
Punjabi
Proficient
C2
Certification
• Western Union Training
Timeline
Area Manager
HBL Islamic Bank
11.2020 - Current
Area Manager
Mcb Islamic Bank
04.2018 - 11.2020
Branch Manager
Meezan Bank
09.2009 - 04.2018
Branch Manager
UBL Bank
05.2005 - 08.2009
Sales Officer
UBL Bank
05.2001 - 05.2005
MBA - Accounting And Finance
Virtual University of Pakistan
04.2001 -
Diploma - INTERNATIONAL FINACIAL REPORTING STANDARDS
ICMA PAKISTAN
04.2001 -
M.S.C - Mass Communication
Virtual University of Pakistan
04.2001 -
BBA - Business Administration
AJK University
04.2001 -
• Western Union Training
• Murabha, Istisna, Salam Training
• AML/CFT Training Premium Banking Course
FAM) Online Uni-Remote Banking Course Foreign Currency Course
• Anti-Money Laundering & “Know Your Customer” Training
• SBP Inspection HOW TO AVOID IRREGULARTIES
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