Experience

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  Global education & marketing softwares (gems)

  Apr 2002 - May 2005

  Manager trainings south pakistan
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  Vehicle tracking pvt. ltd.

  Jan 2005 - Jan 2006

  Manager customer services, recoveries & coordinator sales
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  Tameer microfinance bank ltd. (telenor group)

  Apr 2006 - now

  • Head Centralized Clearing Operations.• Formulation of departmental direction and strategy.• Working on Clearing and other projects and special tasks.• Updating Clearing Operations manual in accordance with the enhanced controls.• Managing internal and external training and development of clearing resources.• Oversee interdepartmental coordination for smooth operations and efficient outputs.• Develop and implement controls of cheque books issuance and reconciliation for countrywide branches.• Plan and ensure operational continuity.• Ensure Clearing compliance and Clean Audit.• Manage coordination with the banking regulator (The State Bank of Pakistan) and Banker's Clearing House (NIFT) at countrywide level.• Expand / Strengthen the clearing department with increasing needs of the bank by applying both: existing resource optimization and automation of processes.• Keep an eye on security printing standards time to time updated by State Bank of Pakistan, and ensuring implementation of the same in timely manner.• Time-to-time analysis of technological changes in the banking industry, feasibility assessment and implementation of the same if found beneficial and workable.• Develop / Enhance operational controls and implementation at CPU Head Office then rolling out the same at countrywide level.• Assist countrywide branches in getting direct clearing membership with Banker's Clearing House. Managing close coordination with State Banks' head office and its regional offices to ensure earliest accomplishment of such tasks.• Analyze the emerging needs of IT developments for Clearing and other operations. Coordination with IT department to highlight the needs, UAT of newly developed IT modules and endorsement for final deployment.• Supervise insurance related coordination with various internal departments; including internal insurance team and RISK. Show less • Heading Centralized Cheque Clearing Operations at the Bank.• Supervising day to day functionality of the clearing function and countrywide reconciliation.• Supervising interdepartmental coordination for smooth operations and efficient outputs.• Supervising verification of daily reconciliation with Banker's Clearing House (NIFT) and RTGS.• Formulation of departmental direction and strategy.• Working on operational projects.• Updating Clearing Operations manual in accordance with the enhanced controls.• Training and development of clearing resources at all clearing stations.• Taking critical decisions for Central Clearing.• Developing controls for cheque books issuance and reconciliation for countrywide branches.• Planning operational continuity.• Responsible to ensure Clearing compliance and Clean Audit.• Coordinating with the banking regulator (The State Bank) and Banker's Clearing House (NIFT) at countrywide level.• Expanding / Strengthening the clearing department with increasing needs of the bank by applying both: existing resource optimization and hiring of new resources.• Supervise the cheque books issuance unit to ensure printing of cheque books as per the standards advised by the State Bank.• Time-to-time analysis of technological changes in the banking industry, feasibility assessment and implementation of the same if found beneficial and workable.• Development / Enhancement of operational controls and implementation at CPU Head Office then rolling out the same at countrywide level.• Supporting countrywide branches to get direct clearing membership with Banker's Clearing House. Managing close coordination with State Banks' head office and its regional offices to ensure earliest accomplishment of such tasks.• Analyzing the emerging needs of IT developments for Clearing operations. Coordination with IT department to highlight the needs, UAT of newly developed IT modules and endorsement for final deployment. Show less • Managing the Centralized Cheque Clearing Operations at the Bank.• Looking-after day to day functionality of the clearing function and countrywide reconciliation.• Doing interdepartmental coordination for smooth clearing operations and efficient outputs.• Working on banking operations / clearing related projects.• Writing / Updating Clearing Operations manual in accordance with the enhanced controls.• Conducting interviews to manage hiring of resources when required.• Managing performance recognitions of the team members to keep them motivated.• Supervising the training for clearing resources at all clearing stations. • Supervising cheque books issuance operations for countrywide branches.• Responsible to ensure Clearing compliance and Clean Audit.• Coordinating with banking regulator (The State Bank) and Banker's Clearing House (NIFT) at countrywide level.• Observing the technological changes in the banking industry and presenting the workability to higher management for implementation.• In coordination with senior management; development / enhancement of operational controls and their implementation at CPU Head Office; then rolling out the same at countrywide level.• Supervising the project of getting direct clearing membership with Banker's Clearing House at various countrywide regions. Managing coordination with State Bank regional offices to accomplish the task.• Time-to-time analysis for emerging needs of IT developments. Coordination with IT department to raise the needs, analyzing feasibility, UAT of the newly developed tools, endorsing the readiness of developed modules to the higher management to get the approval for deployment. Show less • Supervising the clearing team.• Looking-after day to day functionality of the clearing function.• Doing Interdepartmental coordination.• Supervising daily Inward and Outward Clearing reconciliation.• Coordination with Banker's Clearing House (NIFT).• Doing interdepartmental communication.• Conducting trainings for clearing related resources of all local branches. • Looking-after cheque books issuance for countrywide branches.• Managing individual performance recognitions to keep the team motivated.• Enhancing professional skills of the team through in-house and external professional trainings.• Coordination with cheque book printing vendor.• Responsible to ensure Clearing compliance.• Highlighting the emerging needs of IT developments. Show less Branch Manager• Managing the main branch.• Ensuring banking compliance.• Service optimization to achieve highest level of customer satisfaction.• Managing account opening for employees in coordination with HR department.• Managing the salary disbursal operations at the branch.• Managing issuance of Pay Order for all local branches.• Petty-cash management for all local branches.• Managing coordination between branches and ADC for ATM claim settlements.• Managing booking and Issuance of TDCs for all local branches and Liability center.• Managing verification of documents and opening of corporate accounts for all local branches.• Doing Interdepartmental coordination.• Keeping the team motivated by creating competition for monthly and yearly recognitions.• Training the branch staff for better services, banking controls and compliance.• Leading by example to motivate the team members to do the same.• Managing all functions of the branch in audit-able mode.• Responsible to ensure Clearing compliance.• Highlighting IT related bugs / issues for ratification.Manager Mobile Service (Bank on Wheels) and Cash Feeding Vault• Continued to fulfill the responsibilities which were already assigned to me along with the new responsibilities of Branch Manager. Show less Mobile Service (Bank on wheels)• Developing, implementing and managing controls for risk free movement of cash between feeding vault and branches.• Developing tools for record keeping, plus branch wise and head office level reconciliations.• Route finalization for cash movement in coordination with the branches keeping route confidentiality. Prioritizing safety, efficiency and cost-effectiveness.• Writing operational manual for cash movement.• Managing interviews and hiring of suitable resources to build mobile service team.• Recognizing individual performance for motivation.• Counseling with the security team to assess dependability.• Time-to-time managing visits to the branches through armored van to assess on ground difficulties, routes, alternative route possibilities and contingency planning.• Giving safety guidelines to mobile service, branch and security staff for cash operation.• Managing inspections of safety locking systems and cash vaults of the armored vans.• Developing and implementing onsite salary disbursal processes and controls.• Managing surprise visits during onsite salary disbursal operations.• Inspecting and assessing the readiness of computer systems installed in the mobile service vans.• Taking critical decisions in case of incidents.Cash Feeding Vault• Supervising the daily-day operations of cash feeding vault to serve 14 local branches of the bank.• Ensuring compliance to all vault management controls.• Operating the main vault security mechanism with the second key custodian.• Maintaining the vault access log.• Managing record keeping of all cash in/out movements and reconciliation on real-time basis.• Managing sorting of cash in fresh, re-issuable and soiled categories.• Managing to replace soiled cash with re-issuable notes for branches and fresh notes for ATMs.• Manage updating the vault insurance in coordination with the concerned department.• Managing maintenance of records and currency in audit-able shape. 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  • Director, Central Clearing (Central Operations)

    Jul 2016 - now

  • Assistant Director, Head of Central Clearing (Central Operations)

    Jul 2012 - Jun 2016

  • Executive Manager Central Clearing

    Jul 2010 - Jun 2012

  • Manager Clearing Operations

    Feb 2008 - Jun 2010

  • Branch Manager (Main Branch), Manager Mobile Service (Bank on Wheels) and Cash Feeding Vault

    Dec 2006 - Jan 2008

  • Manager Mobile Service (Bank on Wheels) and Cash Feeding Vault

    Apr 2006 - Jan 2008