Muhammad Khalid Khokhar

• To undertake responsibility for the overall management of branch affairs, including branch supervision, development of business, achievement of targets / KPIs through marketing and promotion of Islamic Banking products.
• To meet with Existing-to-Bank (ETB) and New-to-Bank (NTB) customers for marketing of deposits, finances, retail banking products, biometric access control for network and ecommerce applications, BANCA, asset management, remittances, and FBR / Government businesses.
• Maintained friendly and professional customer interactions.

• To execute and deliver the branch’s annual business plan / target and prepare periodic reports on its overall performance to ensure that the activities performed by the branch are aligned with the plans and strategies of regions / group.

• To meet or exceed monthly / quarterly / annual targets as assigned by the Business.

• To cascade branch targets to branch staff members (sales and customer services) and regularly track and review performance and productivity of the branch team.

• To minimize value and number of attrition of the top quartile of the customers of the Branch.

• To monitor and process cross-selling of liability and asset products at branch level.

• To devise strategies in order to counter competition and maximize market share.

• To be responsible for eliminating fraud and forgery by keeping stringent, proactive and effective internal control mechanism along with Branch Operations Manager.

• To provide support in campaign of new product launches and sales initiative.

• To ensure compliance of banking laws, regulations, Bank's instructions and SOPs, including Shariah Compliance.

• To monitor and periodically review the credit portfolio of the branch.

• To ascertain the training and development needs of staff and nominate them in appropriate courses in order to close skill gaps.

• To maintain highest standards of customer services at all times to ensure zero complains and handling of customers within Turnaround Time (TAT).

• To ensure upkeep of Branch premises as per Bank standards.

• To ensure fair treatment to customer and take necessary measures to educate customers about financial products and address their concerns, queries, and complaints.

• To review branch audit & performance reports and ensure all audit requirements and observations are addressed (both internal and external) and implement measures to minimize and curtail recurrence along with Branch Operations Manager.

• To maintain all files / documentations and ensure comprehensive records maintenance related to branch business.

• To ensure all processes are completed within the specified TAT.

• To perform any other responsibility as assigned by the competent authority from time to time.

• To undertake responsibility for the overall management of branch affairs, including branch supervision, development of business, achievement of targets / KPIs through marketing and promotion of Islamic Banking products.
• To meet with Existing-to-Bank (ETB) and New-to-Bank (NTB) customers for marketing of deposits, finances, retail banking products, biometric access control for network and ecommerce applications, BANCA, asset management, remittances, and FBR / Government businesses.
• Maintained friendly and professional customer interactions.

• To execute and deliver the branch’s annual business plan / target and prepare periodic reports on its overall performance to ensure that the activities performed by the branch are aligned with the plans and strategies of regions / group.

• To meet or exceed monthly / quarterly / annual targets as assigned by the Business.

• To cascade branch targets to branch staff members (sales and customer services) and regularly track and review performance and productivity of the branch team.

• To minimize value and number of attrition of the top quartile of the customers of the Branch.

• To monitor and process cross-selling of liability and asset products at branch level.

• To devise strategies in order to counter competition and maximize market share.

• To be responsible for eliminating fraud and forgery by keeping stringent, proactive and effective internal control mechanism along with Branch Operations Manager.

• To provide support in campaign of new product launches and sales initiative.

• To ensure compliance of banking laws, regulations, Bank's instructions and SOPs, including Shariah Compliance.

• To monitor and periodically review the credit portfolio of the branch.

• To ascertain the training and development needs of staff and nominate them in appropriate courses in order to close skill gaps.

• To maintain highest standards of customer services at all times to ensure zero complains and handling of customers within Turnaround Time (TAT).

• To ensure upkeep of Branch premises as per Bank standards.

• To ensure fair treatment to customer and take necessary measures to educate customers about financial products and address their concerns, queries, and complaints.

• To review branch audit & performance reports and ensure all audit requirements and observations are addressed (both internal and external) and implement measures to minimize and curtail recurrence along with Branch Operations Manager.

• To maintain all files / documentations and ensure comprehensive records maintenance related to branch business.

• To ensure all processes are completed within the specified TAT.

• To perform any other responsibility as assigned by the competent authority from time to time.

• Ensures efficient and timely services in accordance with the defined TAT circulated from time to time.
• Maintain Branch work according to the SBP prudential rules & regulations as well as per Bank’s Operation Manual.
• Ensures premises standards and staff disciplines are kept at acceptable levels, and providing comfortable atmosphere to customers and staff for maintaining bank’s image.
• Complete check and balance on Cash and Remittance department.
• Complete check on account opening department.
• Supervision of all type of vouchers of the branch.
• Reporting of MIS and time to time branch data to the management.
• Coordinating with the Audit-Teams for internal as well as external auditing.
• Manage overall branch expenses and branch maintenance.
• ATM Cash Replenishment, balancing and General Maintenance.

• Ensures efficient and timely services in accordance with the defined TAT circulated from time to time.
• Maintain Branch work according to the SBP prudential rules & regulations as well as per Bank’s Operation Manual.
• Ensures premises standards and staff disciplines are kept at acceptable levels, and providing comfortable atmosphere to customers and staff for maintaining bank’s image.
• Complete check and balance on Cash and Remittance department.
• Complete check on account opening department.
• Supervision of all type of vouchers of the branch.
• Reporting of MIS and time to time branch data to the management.
• Coordinating with the Audit-Teams for internal as well as external auditing.
• Manage overall branch expenses and branch maintenance.
• ATM Cash Replenishment, balancing and General Maintenance.

• Complete check and balance on Cash and Remittance department.
• Maintenance & Reconciliation of SBP Accounts.
• Developed a high-performing team by providing comprehensive training, coaching, and performance evaluations.
• Complete check on account opening department.
• Acted as a subject matter expert for banking services within the organization, providing guidance and support to colleagues as needed on complex issues or queries.
• Supervision of all type of vouchers of the branch.
• Reduced operational costs with diligent budget management and resource allocation strategies.
• Reporting of MIS and time to time branch data to the management.
• Enhanced bank profitability through the optimization of product offerings and effective cross-selling strategies.
• Coordinating with the Audit-Teams for internal as well as external audit.
• Implemented new technologies to enhance operational efficiencies, resulting in higher productivity levels for the entire team.
• Manage overall branch expenses and branch maintenance.
• Fostered a positive work environment to boost employee morale, leading to increased staff retention rates within the department.
• ATM Cash Replenishment, balancing and General Maintenance.
• Checked payroll, vendor payments, commissions and other accounting disbursements for accuracy and compliance.
• Ensures efficient and timely services in accordance with the defined TAT circulated from time to time.
• Maintain Branch work according to the SBP prudential rules & regulations as well as per Bank’s Operation Manual.
• Ensures premises standards and staff disciplines are kept at acceptable levels, and providing comfortable atmosphere to customers and staff for maintaining bank’s image.
• To ensure intimation/follow up for arrangement and maintenance of office equipment for proper functioning e.g. a. Computers b. Scanners c. Flatbed printers d. CCTV e. UPS etc.

• Responsible for Branches Regular & Surprise Audit and for compliance of irregularities pointed out by ABL Audit Team/SBP Audit Team.
• To monitor the operational activities performed by branches to implement SOPs as per SBP & Bank’s defined parameters.
• Providing Data to branches & Implementation of Pre-Audit Exercise.
• Processing of expired KYC, CDD, EDD.
• Offsite Monitoring / Compliance of Branches.
• Settlement of pending AML alerts by the branches.
• Provide guidance/assistance to the branches on Top 100 Depositors issues pointed by compliance department.
• Visiting the branches along with RHBS for checking and preparation of branch visit report and arranging compliance thereof from branches.
• Any other assignment given by RHBS.
• Monitoring and maintenance of Region’s ATM downtime.
• Consolidation and submission of Region’s unclaimed deposit.
• Worked as officiating RHBS in his absence.
• Verification of CP’s & A/C’s with branches.
• Processing of Locker Break Opening and locker rent recovery.
• Any other assignment given by Regional Head.

• To monitor all operational issues in the branches faced while implementation of Temenos Software as Manager T-24 Desk.
• Give training to the general banking branch’s staff about the T24 Core Banking Software according to their job description.
• Assist T-24 branches about any transaction’s related issues. Direct reporting to Regional Head Banking Services Sialkot in all matters.
• To arrange the hardware equipment’s, T-24 security stationery and IT infrastructure for branches as per T-24 requirements.
• Preparation and processing of branches’ lease agreements and arranging approval thereof from Line Management.
• Monitoring the status of ATM machines uptime and performance thereof being a additional charge of Regional ATM coordinator.

• To migrate ABL Branches from UNI Bank Software to TEMENOS T24 Core Banking Software.
• To solve all relevant issues during migration of Branch’s Static and Financial data.
• Gave training to the general banking branch’s staff about the TEMENOS T24 Core Banking Software according to their designation. Direct reporting to Group Head T-24 Training & Branches Roll Out Plan in all matters.

• Ensured timely vendor payments by managing invoice processing and expense tracking systems.
• Reduced discrepancies in financial statements through meticulous data entry and record-keeping practices.
• Enhanced financial reporting efficiency with thorough account reconciliations and analysis.
• Maintained strict confidentiality of sensitive financial information, ensuring the protection of company assets and maintaining a high level of professional integrity.
• Communicated and resolved disputes with clients regarding outstanding invoices, payments and adjustments.
• Collaborated with team members to develop new internal control measures, increasing overall financial security.
• Checked expenses against budget controls, entered figures and reconciled business accounts to address discrepancies.
• Improved financial accuracy by streamlining accounts payable and receivable processes.
• Supported month-end closing process by preparing comprehensive journal entries and adjusting balances as necessary.
• Developed strong relationships with external partners such as banks and vendors to facilitate smooth transaction processing on behalf of the company.
• Updated general ledger of accounts with current, accurate and industry-compliant data to meet all internal and external audit requirements.
• Streamlined cash flow management processes, ensuring optimal liquidity levels for daily operations support.