Sadaf Mehreen
Karachi
Summary
With 17 years of banking experience in a busy street branches, I possess the leadership and dynamism required to deliver exceptional service and enhance our products' competitive edge. My extensive knowledge of the banking industry and its procedures, combined with my ability to set ambitious goals, think strategically, and act swiftly, enables me to excel in this field. Currently, I am seeking a challenging position in a forward-thinking environment where I can apply my skills and experience while enjoying equal opportunities for professional growth.
Overview
18
18
years of professional experience
1
1
Certification
Work History
BRANCH MANAGER-AVP
MCB Bank LTD
09.2023 - Current
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Maintained friendly and professional customer interactions.
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
- To achieve the branch growth targets (deposits & profit) by sales maximization through strengthening the existing relationships and identifying new business opportunities, while providing quality service with efficient operational controls to minimize all risks by ensuring strict adherence to KYC/AML, SBP & Internal Policies, Processes.
- Implementation of sales plans to deepen the existing relationships as well as to identify the new opportunities for the achievement of the branch targets (deposit and profit)
- Train & motivate all front-end staff to develop their technical & core competencies. Lead them as per the sales plan for sales maximization.
- Ensure that all financial targets are met for the branch and assurance of cost controls and maximization of revenue generation through “good selling” and plugging of revenue leakages in the branch.
BRANCH MANAGER-AVP
APNA MICROFINANCE BANK LTD
Karachi
05.2023 - 07.2023
- Managed a medium sized branch oversaw daily operation ensure that branch function effectively and efficiently
- Improve customer experience by implementing customer-centric strategies and recommending products and services to meet their needs
- Managing day to day performance of a branch including development of business plan, sales target, growing revenue through increased business activities
- Developing new and existing business to its full potential by spending 50% of time establishing customer contact, focusing sales development, and delivering customer satisfaction.
SENIOR OPERATION MANAGER-AVP
JS BANK LTD
Karachi
12.2021 - 04.2023
- Manage and supervise over the counter services in branch to achieve effective and accurate processing of customer’s transactions with in defined TATs.
- Assume overall responsibility of branch operations functions including PKR and FC Handling, Remittances and Fund Transfers, Lockers, Stop Payments, Deceased Accounts, Dormant Accounts, ATM, Cash and Teller Functions etc.
- Ensure that all tellers are keeping and managing their cash in hand separately from each other. In no case mixed cash is allowed to operate by two or more tellers.
- Ensure that acknowledgment of cash vouchers including Cash Cheques, Cash Deposit Receipts and Utility Bills must be provided to customer with proper validation from the printer instead of affixing cash or any other rubber stamp. In case of any technical issue only Cash Stamps are allowed to affix on the cash vouchers subject to approval obtained for one day only from the respective AM and ROM.
- Ensure timely reconciliation of all interbranch transactions and no entry should remain outstanding in the books.
- Ensure that Pay Orders should remain balanced on daily basis and perform balancing on a weekly basis as per defined guidelines.
- Ensure Ownership that all Branch operational processes are being executed in accordance with SOP, regulatory requirements and compliance guidelines.
- Checking of Strong Room, ATM, Cash, Security stationery, Stamps in Hand, ATM Cards, Cheque Books, Specimen Signature Cards etc
BRANCH SERVICE MANAGER-AVP
FAYSAL ISLAMIC BANK LTD
Karachi
02.2021 - 12.2021
- Handled customers' complaints and questions with utmost professionalism to restore satisfaction and maintain loyalty to branch.
- Delivered quality service with remarkable efficiency by skillfully overseeing daily branch operations.
- Improved customer satisfaction by addressing and resolving service-related issues promptly and professionally.
- Managed branch vault and cash supply to keep appropriate level of currency on hand.
BRANCH OPERATION MANAGER-OGI
MCB ISLAMIC BANK LTD
Karachi
03.2018 - 01.2021
- Manage and supervise over the counter services in branch to achieve effective and accurate processing of customer’s transactions with in defined TATs.
- Assume overall responsibility of branch operations functions.
BRANCH OPERATION MANAGER-AM/OGI
DUBAI ISLAMIC BANK LTD
Karachi
01.2017 - 02.2018
- Accomplished multiple tasks within established timeframes.
- Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
BRANCH OPERATION MANAGER-OGIII
MCB BANK LTD
Karachi
07.2015 - 09.2016
- Accomplished multiple tasks within established timeframes.
- Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
TELLER SUPERVISOR-BRANCH OPERATION-OGIII
MCB BANK LTD
Karachi
10.2012 - 07.2015
- Balanced cash drawer daily and resolved discrepancies to provide accurate data regarding cash flow.
- Disbursed cash and checks accurately while maintaining security of cash drawers.
- Balanced cash drawers daily, identifying discrepancies and taking corrective actions as needed.
- Processed customer transactions promptly, minimizing wait times.
GENERAL BANKING OFFICER-BRANCH OPERATION-OGIII
MCB BANK LTD
Karachi
11.2006 - 10.2012
- Handling, Remittances and Fund Transfers, Lockers, Stop Payments, Deceased Accounts, Dormant Accounts, ATM, Cash and Teller Functions etc.
Education
Master Of Business Administration -
Federal Urdu University
KarachiBachelor Of Business Administration -
Indus University
KarachiHigher Secondary School Certificate -
Al-Noor Degree Collage of CS
KarachiSecondary School Certificate -
Pak Folks Grammar School
KarachiSkills
Knowledge of Flex Cube 1203- Online System of MCB Islamic Bank LTD
Knowledge of Core Banking System Symbols v 85- Online System of MCB & Faysal Bank
Knowledge of Temenos T24 System of JS BANK LTD
Accomplishments
- Participated in CA Deposit Mobilization & NTB Drive in MCB Bank Ltd from 2013 to 2016.
- Achieved 92% RATING in Branch Service Ladder Score Card in Jul 2021.
Trainingcoursesattended
- AML-CFT Awareness Program, 03/14/2019, MCB Learning & Development Centre, Karachi
- AML/KYC - FATCA & Information Security Awareness, 04/07/2017, DIBPL Learning & Development Centre, Karachi
- Operational Risk Awareness, 03/24/2017, DIBPL Learning & Development Centre, Clifton Karachi
- AML Awareness Program, 06/03/2016, MCB Learning & Development Centre, Clifton Karachi
- Certified Branch Operation Manager, 08/17/2015 - 08/21/2015, MCB Learning & Development Center, Clifton Karachi
- Conflict Resolution, 08/16/2013, MCB Learning & Development Center, Karachi
- Customer Service Excellence, 11/05/2012, MCB Learning & Development Center, Clifton Karachi
- Relationship Excellence Workshop, 05/13/2010 - 05/14/2010, Marriot Hotel, Karachi
- Clearing and Transfer, 07/16/2009, MCB Learning & Development Center, Clifton Karachi
- Account Opening and KYC, 03/03/2009 - 03/06/2009, MCB Learning & Development Center, Clifton Karachi
- Customer Services, May 2007, MCB Learning & Development Center, Clifton Karachi
- Issuance of Debit Card, 05/09/2007, MCB Learning & Development Center, Clifton Karachi
Rewards
- MCB Bank LTD, in recognition of my performance, was awarded by Spot Award - Outstanding Commitment to Service Quality and Customer Satisfaction in (APR 2012) & in (OCT 2012).
- MCB Bank LTD, in recognition of my performance, was awarded the Spot Award - Outstanding Commitment to Service Quality and Customer Satisfaction in (MAR 2013) & in (SEPT 2013).
- MCB Bank LTD, in recognition of my performance, was awarded the Spot Award - Outstanding Commitment to Service Quality and Customer Satisfaction. (JUN 2014) & in (OCT 2014).
- MCB Bank LTD, in recognition of my performance, was awarded the Employee of the Month Award - Outstanding Commitment to Service Quality and Customer Satisfaction (2015).
- MCB Bank LTD, in recognition of my performance, was awarded the Employee of the Month Award - Outstanding Commitment to Service Quality and Customer Satisfaction (2016).
Personal Information
- Father's Name: PERVEZ AKHTER
- Marital Status: Single
Cnicnumber
42101-5284894-6
References
Will be furnished on demand.
Certification
- Certification of AML-CFT Awareness Program on Mar 14, 2019, at MCB Learning & Development Centre, Karachi.
- Certification of AML/KYC – FATCA & Information Security Awareness on Apr 7, 2017, at DIBPL Learning & Development Centre, Karachi.
- Certification of Operational Risk Awareness on Mar 24, 2017, at DIBPL Learning & Development Centre, Clifton Karachi.
- Certification of AML Awareness Program on Jun 3, 2016, at MCB Learning & Development Centre, Clifton Karachi.
- Certification of Certified Branch Operation Manager from Aug 17, 2015, to Aug 21, 2015, at MCB Learning & Development Center, Clifton Karachi.
- Certification of Participated in one day session on Conflict Resolution on Aug 16, 2013, at MCB Learning & Development Center, Karachi.
- Certification of Participated in one day session on Customer Service Excellence on Nov 5, 2012, at MCB Learning & Development Center, Clifton Karachi.
- Certification of Participated in Relationship Excellence Workshop from May 13, 2010, to May 14, 2010, at Marriot Hotel, Karachi.
- Certification of One day session on Clearing and Transfer on July 16, 2009, at MCB Learning & Development Center, Clifton Karachi.
- Certification of Participated in training of Account Opening and KYC from Mar 3, 2009, to Mar 6, 2009, at MCB Learning & Development Center, Clifton Karachi.
- Certification of two days training on Customer Services in May 2007 at MCB Learning & Development Center, Clifton Karachi.
- Certification of Participated in Issuance of Debit Card on May 9, 2007, at MCB Learning & Development Center, Clifton Karachi.
Timeline
BRANCH MANAGER-AVP
MCB Bank LTD
09.2023 - Current
BRANCH MANAGER-AVP
APNA MICROFINANCE BANK LTD
05.2023 - 07.2023
SENIOR OPERATION MANAGER-AVP
JS BANK LTD
12.2021 - 04.2023
BRANCH SERVICE MANAGER-AVP
FAYSAL ISLAMIC BANK LTD
02.2021 - 12.2021
BRANCH OPERATION MANAGER-OGI
MCB ISLAMIC BANK LTD
03.2018 - 01.2021
BRANCH OPERATION MANAGER-AM/OGI
DUBAI ISLAMIC BANK LTD
01.2017 - 02.2018
BRANCH OPERATION MANAGER-OGIII
MCB BANK LTD
07.2015 - 09.2016
TELLER SUPERVISOR-BRANCH OPERATION-OGIII
MCB BANK LTD
10.2012 - 07.2015
GENERAL BANKING OFFICER-BRANCH OPERATION-OGIII
MCB BANK LTD
11.2006 - 10.2012
Master Of Business Administration -
Federal Urdu University
Bachelor Of Business Administration -
Indus University
Higher Secondary School Certificate -
Al-Noor Degree Collage of CS
Secondary School Certificate -
Pak Folks Grammar School