Zeeshan Rana
Islamabad-Pakistan
Summary
With over 20 years of diverse experience across financial management, banking business and operations, and client relationship management, I have successfully implemented strategies to enhance profitability, optimize operational efficiency, and ensure regulatory compliance. My expertise spans financial reporting, risk management, portfolio optimization, and staff development. Leveraging my in-depth knowledge of business processes and customer-centric solutions, I am eager to apply my skills to drive growth and innovation in the SME sector, helping businesses navigate financial challenges and achieve sustainable success.
Overview
21
21
years of professional experience
Work History
Financial Consultant
ENIKA Surgical MFG. CO.
Sialkot
01.2020 - Current
- Prepared and presented detailed financial reports and performance analytics to clients during review meetings.
- Developed and implemented strategies to help clients reach their financial goals.
- Reviewed existing portfolios to assess performance against established benchmarks and recommended appropriate changes when necessary.
- Counseled clients on financial matters and provided recommendations on investment opportunities, products, and services based on client needs and asset availability.
- Conducted daily instrument counts and restocked shelves with new instruments.
- Maintained accurate accounts for cash, fixed assets and other transactions.
- Investigated and resolved billing issues to maximize cash flow and minimize liabilities.
- Managed accounts receivable and payable, reconciled bank statements, and prepared financial reports.
- Reviewed financial information detailing assets, liabilities, and capital.
- Reported on financial results including balance sheets, income statements, cash flow statements.
- Developed staff expense and reimbursement tracker to reduce user errors and increase reporting accuracy.
- Cross-trained employees, enabling completion of priority tasks during personnel absences.
- Provided guidance to other departments regarding accounting policies and procedures.
- Posted financial data in Excel spreadsheets and managed inventory.
- Reviewed invoices for accuracy and completeness prior to payment processing.
- Designed internal control policies to improve audit scores.
- Researched changes in laws to maintain adherence to financial regulations.
- Provided excellent service and attention to customers when face-to-face or through phone conversations.
- Managed inventory and supplies to ensure materials were available when needed.
- Achieved cost-savings by developing functional solutions to problems.
- Utilized advanced technical skills and expertise to troubleshoot complex problems and implement solutions.
- Developed new practices to increase efficient delivery of commodities and product process compliance.
- Collected and assembled financial data to analyze costs on year-to-year basis relative to fiscal planning and budgeting activities.
- Discussed client financial options to keep customers informed regarding transactions.
- Analyzed accounts receivable and accounts payable aging reports to ensure timely payment of invoices.
- Ensured compliance with local tax laws and filing requirements on a quarterly basis.
- Reconciled invoices, purchase orders and receiving documents to disburse payments to vendors.
- Monitored market trends, competitor strategies and market suppliers to evaluate opportunities to reduce costs.
- Maintained up-to-date knowledge of relevant accounting standards and regulations.
- Developed and documented business processes and accounting policies to maintain and strengthen internal controls.
- Analyzed customer requirements and recommended efficient investment products.
- Offered financial input to prepare and implement plans and processes for risk, financial and management controls.
- Stayed up-to-date on marketplace trends and researched items in detail.
Branch Manager
Askari Bank Ltd
Islamabad
03.2017 - 10.2019
- Developing, implementing, and maintaining a business plan for the branch.
- Control of expenses, contribution in branch cost cutting, and branch profitability.
- Implementation of service quality gold standards (TATs) as per Bank/Regulator.
- Adhere to high ethical standards and comply with all regulations/applicable laws.
- Locate areas of improvement and propose corrective actions that meet challenges.
- Meeting the assigned targets of (Current Deposits – Advances, and Total Deposits).
- Meeting the assigned targets of (Autos, Credit Cars, Autos, Mortgages, Bancassurance).
- Bring out the best of the branch's personnel by providing training, coaching, and development.
- Maintaining the existing portfolio and generating new business opportunities for the organization.
- Directed daily operations of the branch, including customer service, human resources, sales and marketing activities.
- Managed staff scheduling, hiring and training processes.
- Reviewed loan applications to ensure accuracy and compliance with regulations.
- Monitored financial performance of the branch on a monthly basis.
- Implemented internal control procedures to minimize risk exposure and maximize profitability.
- Analyzed data to identify trends related to products, services, customers and markets served by the branch.
- Established strong working relationships with external partners such as vendors and suppliers.
- Coordinated promotional campaigns for new products or services in order to boost sales revenue.
- Facilitated weekly meetings with staff members to discuss progress on current initiatives.
- Provided feedback on employee performance evaluations conducted by supervisors.
- Performed regular audits of financial records in order to ensure accuracy.
- Managed and inspired team members to perform to full potential, driving branch profitability.
- Increased efficiency and drove branch revenue by optimizing daily operations.
- Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
Manager Operations
Askari Bank Ltd
Islamabad
06.2015 - 02.2017
- Training and Development of staff.
- Provide inspired leadership for the organization.
- Make important policy, planning, and strategy decisions.
- Good customer service, prompt resolution of the matter.
- Oversee budgeting, reporting, planning, and compliance.
- Cash and Vault management as per SOPs of Bank/Regulator.
- Daily, weekly, monthly, quarterly, and yearly reporting to HO/SBP.
- Ensured bank SOPs and all directives and policies of regulators, avoiding SBP penalties.
- Ensured the compliance with Money Laundering and terrorist financing regulations, reviewed KYC, conducted risk assessments, authorization of transactions on a daily basis, to ensure that the branch conducts its business following the required system/ process flow to counter money laundering and terrorist financing
- Strengthened Bank by ensuring customer satisfaction, actively participated in the retention of deposits, identified and followed up on cross-sell leads, along with the Branch Manager, in order to strengthen the liability position of the bank.
- Monitored budgets and expenditures to ensure cost-effectiveness while maintaining quality standards.
- Resolved conflicts between employees by providing guidance on company policies and procedures.
- Provided leadership during times of organizational change or crisis situations.
- Implemented new technologies to streamline operations, reduce costs, and improve customer service.
- Developed annual goals for each department based on market trends and competitor analysis.
- Ensured compliance with all applicable laws, regulations, industry standards.
- Reviewed contracts before signing them on behalf of the organization.
- Organized special events such as conferences or training sessions for employees.
- Scheduled interviews for potential candidates and conducted reference checks prior to hire.
- Monitored staff performance and addressed issues.
- Trained employees on additional job positions to maintain coverage of roles.
- Completed thorough opening, closing, and shift change functions to maintain operational standards each day.
- Oversaw daily operations, maintaining efficiency and quality standards.
- Conducted performance evaluations, providing feedback and coaching for team development.
- Established and monitored KPIs to evaluate performance and identify areas for improvement.
Operations Manager
Bank Alfalah Ltd
Rawalpindi
12.2013 - 06.2015
- Ensured compliance with banking regulations and policies.
- Developed strategies to optimize branch operations.
- Coordinated customer service initiatives and staff training.
- Monitored staff performance and provided feedback.
- Resolved customer complaints in a timely manner.
- Maintained accurate records of financial transactions.
- Organized daily workflow to maximize efficiency and productivity.
- Performed routine audits of branch operations to identify areas for improvement.
- Managed inventory levels of cash, supplies, and other resources.
- Recruited, interviewed, and trained new employees as needed.
- Supervised daily activities of tellers, loan officers, and other personnel.
- Initiated marketing campaigns to promote products and services offered by the branch.
- Conducted periodic reviews of existing processes to identify potential opportunities for cost savings or efficiency improvements.
- Reviewed customer account information for accuracy and completeness.
- Prepared monthly reports on branch performance metrics.
- Collaborated with IT department to troubleshoot technical issues related to banking systems.
- Provided guidance on best practices for handling difficult customers or situations.
- Coached staff on policies, procedures and performance strategies.
- Strengthened operational efficiencies and traceability by developing organizational filing systems for billing, receiving and delivery records and reports.
- Prepared and managed cash shipments between banks.
- Trained assistant managers on all banking and customer service policies.
- Completed regular checks on bank compliance with established policies and government regulations.
- Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
- Checked payroll, vendor payments and other accounting disbursements for accuracy and compliance.
- Maintained regular performance appraisals for subordinates through verbal, written and on-going review programs.
- Managed relationships with tax authorities, bankers and auditors.
- Coordinated preparation of external audit materials and external financial reporting.
- Conducted reviews and evaluations for cost-reduction opportunities.
- Analyzed actual financial results to budget, preparing variance reporting to functional groups.
- Developed invoicing systems and internal controls to boost billing efficiencies.
Incharge Consumer Banking
Bank Alfalah Ltd
Rawalpindi
09.2012 - 11.2013
- Responded to customer inquiries regarding account information, transactions, and services.
- Provided support for online banking activities such as setting up accounts and troubleshooting technical issues.
- Processed loan applications, including verifying documents and running credit checks.
- Performed daily account maintenance tasks like deposits, withdrawals, transfers, and payments.
- Advised customers on financial products and services that best suited their needs.
- Researched and resolved customer complaints in a timely manner.
- Assisted customers with opening new accounts or changing existing ones.
- Cross-sold bank products to existing customers based on their needs.
- Conducted regular follow-ups with customers to ensure satisfaction with services provided.
- Educated customers about the features of different financial products available at the bank.
- Maintained accurate records of all client interactions in the company database system.
- Handled cash management responsibilities such as counting money and balancing registers.
- Participated in team meetings to discuss strategies for improving customer service standards.
- Balanced daily cash deposits and vault inventory with zero error rate.
- Counted currency, coins and checks received to prepare for deposit or shipment to branch banks or Federal Reserve Bank.
- Fulfilled diverse duties to provide customer service, operate money counters, balance and replenish ATMs, maintain accounts and open new accounts.
Customer Relationship Officer
Bank Alfalah Ltd
Rawalpindi
04.2011 - 08.2012
- Keep updated regarding BAL's policies and procedures, SBP's instructions, relevant Prudential Regulations, and ensure their compliance.
- Responsible to guide customers about BAL products. Bank's policies and requirements regarding different types of accounts.
- Replying to customers' queries regarding account opening forms, cheque book issuance, etc.
- Account opening/scrutiny of Account Opening form, receipt of initial deposit, input into the system, generation of account number
- To make sure that required KYC documentation, as required under prudential regulations, is obtained, properly kept in record and fed into the system
- To ensure that all specimen signature cards are scanned properly
- Issuance of miscellaneous certificates
- Maintain data of Zakat, Zakat declaration forms. Hold mail. Dormant accounts and undelivered mail, as per prescribed procedures.
- Responsible to process and check that all cheque books are delivered in time without any printing error.
- Responsible for all account closing as per prescribed procedure and to make sure that applicable charges are deducted and profit (if any) is paid before closure.
Operations Officer
Bank Alfalah Ltd
Rawalpindi
11.2008 - 04.2011
- Provide high-quality customer service in the remittance department; issuance/payments of remittances and proper maintenance of related books and records according to BAL Operation Manual and prescribed procedures. Coordinate between branch and HO for smooth sale and encashment of Rupees Travel Cheques and marketing of the product in order to meet the sales target.
- To keep updated regarding BAL's procedures for handling remittances, related SBP's instructions, and ensure their compliance.
- Issuance/payment of PO, DD, and TT. Follow up on remittances, DD advices, and telex messages.
- Handling TTs and DDs issued by other banks, daily H.O. reconciliation, periodic balancing of outstanding PO/DD/TT.
- Looking after all the issues related to stop payments (feeding in the system, recovery of charges as per SOC, intimations to customers after marking of stop payments, periodical review of stop payment instructions).
- Responding to customers' queries, removal of objections raised by internal, external, and SBP's auditors.
- Issuance, cancellation, and balancing of call deposit receipts (CDR), payment of MoneyGram/Home Remittances, and their timely and accurate reporting to HO.
I.T Officer
Bank Alfalah Ltd
Quetta
01.2007 - 10.2008
- Monitoring of Branch Server(s)'s resource utilization, performance, preemptive failure messages, etc. And its management. Coordination with HO, ITD to ensure round-the-clock availability of server(s).
- Monitoring of all IT-related hardware, its troubleshooting, and coordination with HO, ITD for resolution of outstanding issues.
- Responsible for the proper functioning of the ATM host interface and ATM hardware from a technical perspective. Coordination with HO, ITD for resolution of any related technical/operational issue, so as to ensure 24x7 hours availability.
- Responsible for maintaining the physical security of the server room and restricting access to authorized personnel only.
- LAN network monitoring, including that of network devices, cards, and data points, and coordination with HO and ITD for resolution of outstanding issues.
- Responsible for maintaining the latest version of the anti-virus software at the branch level. Installation of anti-virus software, specific virus patches, and utilities as per the guidelines of HO, ITD. Updating of Operating System patches as per the instruction of HO, ITD.
- Backup management, which includes daily and periodic backup and its management as per the backup policy issued by HO, ITD. Also, backup restore should only be exercised as per the specific directives of HC, ITD.
- First layer Banking Application support and coordination with HO, ITD for resolution of all outstanding issues. Performance of back office tasks related to the banking application, which includes day-end, month-end, and year-end processing, and associated periodic tasks as per HO, ITD instructions.
- Printing of daily reports and their distribution to the concerned department, printing of account statements of customers, and assisting in scanning specimen signature cards.
- Ensure that only approved, licensed software is installed on all the PCs and servers.
- Reporting of faults, issues, failures, etc., as per the guidelines provided by HO, ITD.
- Assist in administration of CCTV, including its backup management and coordination with Establishment. Receiving of normal stationery purchased by the branch (does not include security stationery sent by). Conduct training course for staff members related to banking application and desktop suite as per requirement. Management of Circulars, ICOM, and guidelines by Head Office/Regulatory authorities.
Cash Officer
Bank Alfalah Ltd
Quetta
06.2004 - 12.2006
- Maintained accurate cash balances and reconciled discrepancies.
- Processed incoming payments, including checks and electronic fund transfers.
- Processed customer deposits and withdrawals accurately, balancing cash drawer daily.
- Maintained confidentiality of bank records, transactions and customer information.
- Provided exceptional customer service to customers by answering inquiries, resolving complaints and processing transactions in a timely manner.
- Verified customer signatures on documents and ensured accuracy of all paperwork before submitting for approval.
- Identified suspicious activity on account holders' accounts and reported any discrepancies to the supervisor immediately.
- Balanced teller drawers regularly throughout the day according to established procedures.
- Handled large sums of money with accuracy while maintaining appropriate levels of security.
- Reconciled daily sales sheets with actual physical money received from customers or deposited into ATM machines.
Education
Masters of Commerce (M.Com) - Accounting and Finance
University of Balochistan
Quetta, Pakistan12-2003
Bachelor of Commerce (B.Com) - Accounting And Business Management
University of Balochistan
Quetta, Pakistan12-2001
Higher Secondary School Certificate (F.Sc) - Science Education
Govt Gen M Musa Inter College
Quetta, Pakistan12-1998
Secondary School Certificate (Science) - Science Education
Tameer-e-Nau Public School
Quetta, Pakistan12-1996
Skills
- MS Office
- Banking
- Bookkeeping
- P&L Management
- Financial Management
- Business Development
- Investment advice
- Budgeting expertise
- Investment strategies
- Cost reduction strategies
- Financial analysis
- Marketing strategy
Languages
Urdu
First Language
English
Advanced (C1)
C1
Timeline
Financial Consultant
ENIKA Surgical MFG. CO.
01.2020 - Current
Branch Manager
Askari Bank Ltd
03.2017 - 10.2019
Manager Operations
Askari Bank Ltd
06.2015 - 02.2017
Operations Manager
Bank Alfalah Ltd
12.2013 - 06.2015
Incharge Consumer Banking
Bank Alfalah Ltd
09.2012 - 11.2013
Customer Relationship Officer
Bank Alfalah Ltd
04.2011 - 08.2012
Operations Officer
Bank Alfalah Ltd
11.2008 - 04.2011
I.T Officer
Bank Alfalah Ltd
01.2007 - 10.2008
Cash Officer
Bank Alfalah Ltd
06.2004 - 12.2006
Masters of Commerce (M.Com) - Accounting and Finance
University of Balochistan
Bachelor of Commerce (B.Com) - Accounting And Business Management
University of Balochistan
Higher Secondary School Certificate (F.Sc) - Science Education
Govt Gen M Musa Inter College
Secondary School Certificate (Science) - Science Education
Tameer-e-Nau Public School
Similar Profiles
Mohammed PervezMohammed Pervez
Commercial Sales Manager at CMR SURGICAL-VERSIUS Surgical Robotic SystemCommercial Sales Manager at CMR SURGICAL-VERSIUS Surgical Robotic System
Alberto Fernández SolaresAlberto Fernández Solares
Business analyst at Surgical, Intuitive Surgical, IncBusiness analyst at Surgical, Intuitive Surgical, Inc
Deborah BrechbillDeborah Brechbill
Inside Sales Representative at Novelty Mfg. Inc.Inside Sales Representative at Novelty Mfg. Inc.