Salman Ahmed
Karachi,Pakistan
Summary
Enthusiastic and results-driven in retail banking, remittances, product and project management professional. Seeking to leverage analytical skills and expertise in a challenging business environment.
Proven track record of driving business and operational efficiency, improving customer experiences, and implementing innovative solutions. Strong ability to analyze market trends, identify opportunities, and develop strategic partnerships. Excellent communication and leadership skills with a commitment to achieving organizational goals.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Manager Retail Banking
Habib Bank Oman LTD
06.2018 - 10.2023
- Coordinated with internal teams to resolve technical issues, address customer concerns, and optimize operational processes
- Developed service-level agreements to ensure customer satisfaction and service level intact between the units
- Handling retail banking portfolio of 6 HBL Oman branches across the Sultanate of Oman
- Setting sales quotas and goals, creating sales plans, preparing & analyzing data to bring more business
- Increase the home remittance volume via digital marketing campaigns.
Payments & Remittance Manager – Deputed in Modern Exchange Oman
Habib Bank Pakistan LTD
02.2014 - 05.2018
- Oversee end-to-end payments and remittance operations, including transaction processing, reconciliation, and compliance with regulatory requirements
- Develop and implement strategies to optimize payment processing workflows, reduce costs, and improve operational efficiency
- Collaborate with technology teams to enhance existing payment systems and implement new technologies to support business growth
- Monitor industry trends, regulatory changes, and competitor activities to identify emerging opportunities and risks
- To contribute to the business generation by arranging marketing activities and generate sales lead, doing ATL & BTL activities.
Payments Support Analyst - Financial Institution Division
Habib Bank Pakistan LTD
07.2013 - 01.2014
- Analyzed payment data and trends to identify opportunities for process improvement
- Conducted risk assessments and implemented controls to mitigate fraud and compliance risks
- Prepared reports and presentations for senior management to communicate key performance metrics, trends, and insights
- Collaborated with cross-functional teams to launch new STP services
- Provided training and support to internal stakeholders on payment processes, systems, and best practices.
Team Leader - Complaint Resolution Unit
Habib Bank Pakistan LTD
07.2010 - 06.2013
- To acknowledge, investigate, resolve, and respond to customer complaints (through letters and calls) of the various businesses of the bank
- Contribute to the overall success of ‘PIR reduction drive ‘initiated by the bank to ensure the reduction in recurring complaints
- To contribute towards continuous process improvement for the products/business segments of the bank
- To highlight the gaps and disconnects them as and when they discovered.
Phone Banking Officer & Team Leader - Phone Banking
Habib Bank Pakistan LTD
01.2008 - 06.2010
- Demonstrated excellence in call quality, first call resolution, and customer satisfaction
- Exhibit sound judgment for decision making complying with set guidelines and methods
- Proficiency on actively listening, negotiating and managing escalated customer and business issues to find appropriate resolution.
Phone Banking Officer
Standard Chartered Bank
06.2005 - 12.2007
- Ensure all standards of call quality are met by the phone banker as defined by the management
- Sales and Lead Generation & Effective Cross Selling
- Logging complaints and requests and assist customer in addressing and resolving their query and issues.
Education
MBA Marketing -
Karachi Institute of Economics & Technology
01.2009
B.Sc. (Mathematics, Computers, Statistics) -
University of Karachi
01.2003
Skills
- Product Management
- Marketing
- Project Management
- Team Leadership
- Cross-Functional Teamwork
- Business Development
- Salesforce Management
- Customer Relationship Management (CRM)
Certification
- Project Management Professional (PMP), In progress
- AML CFT (Training), College of Banking & Financial Studies Oman
Accomplishments
- Remediated all HBL Oman accounts successfully during the business transformation project.
- Successfully launch HBL Oman mobile banking beta version.
- Implemented 3D secure feature for online debit card payments.
- Launch of supplementary debit card.
- HBL Oman corporate website revamp project completion.
- Lead the project for card less transaction via CCDM & ATM.
- Cash management system implementation for school fees collections.
- Unit leader for the closure of HBL Oman retail banking.
Personal Information
- Date of Birth: 05/24/1981
- Nationality: Pakistani
- Driving License: Sultanate of Oman
Languages
Urdu
First Language
English
Advanced
C1
Timeline
Manager Retail Banking
Habib Bank Oman LTD
06.2018 - 10.2023
Payments & Remittance Manager – Deputed in Modern Exchange Oman
Habib Bank Pakistan LTD
02.2014 - 05.2018
Payments Support Analyst - Financial Institution Division
Habib Bank Pakistan LTD
07.2013 - 01.2014
Team Leader - Complaint Resolution Unit
Habib Bank Pakistan LTD
07.2010 - 06.2013
Phone Banking Officer & Team Leader - Phone Banking
Habib Bank Pakistan LTD
01.2008 - 06.2010
Phone Banking Officer
Standard Chartered Bank
06.2005 - 12.2007
MBA Marketing -
Karachi Institute of Economics & Technology
B.Sc. (Mathematics, Computers, Statistics) -
University of Karachi
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