Chaudhry Muhammad Irfan

Experience

• 

  Bank Alfalah Limited

  Feb 2006 - now

  Manage and continuously improve operational health of branches through error free processes and preventing any unwarranted exposure/ loss to the bank.Provide maximum operational support to all Business with improved quality of Customer Services.Ensure all customer queries and complaints are resolved within a reasonable time frame.Review day to day operational reports received from branches in order to ensure quality services to the customer, minimize operational risk and to avoid adverse comments/ penalties imposed by the SBPEfficient Cash Management in the area to minimize branch Cash Holding to minimum in relation to branch’s deposit ratio.Strict adherence to excess insurance cover for overnight Cash Holding.Comply with SBP regulation in relation to cash monitoring (currency note management)Closely monitor ATM Operations and ensure maximum uptime in the branches.Ascertain the training and development needs of the staff and nominate them on appropriate courses in order to close skill gaps and ensure that all staff are well trained and fully aware of products, services, policies and procedures of Bank Alfalah.Implement Staff Rotation Policy while encouraging staff to avail Mandatory Leave with proper back-upsDaily organize workflow and staff levels, and do coaching/ training where necessary for improving performances in the Area.Ensure and maintain proper upkeep of branch atmosphere.Monitor all minor Repair and Renovation in branches.Effective implementation of office decorum/discipline throughout the area.Resolve all branch security issues with in the area.To conduct regular visits and monthly meetings of branches in order to ascertain the progress on day to day operational issues and bottlenecks if any.Closely monitor all operational expenses and determine reduction of expenses during branch visits. Show less Manage the overall branch operations, in line with Service Quality Standards of the bank to provide excellent services to the customers.Implement strategy and action plans to improve Audit Rating of the branch (Minimum Satisfactory) along with achieving set targets for the Branch.Implement AML policies in light of prudential regulations and emphasize on due diligence of all transactions in the branch.Ensure Operational Standards and Procedures are compliant with BAL Policies and SBPEfficient Handling /monitoring of Administrative and HR Matters of the branch.Dissemination of updated information to concerned staff regarding BAL’s policies and procedures, SBP’s guidelines including Prudential Regulations AML PolicyTraining of staff with emphasis on developing successor in every department of General Banking for smooth working of the operational activities in generalKeep team motivated, delegate tasks/decision making as per skills/competencies of staff; ensure timely completion of job descriptions, goal setting and performance appraisalFollow all relevant divisional/departmental policies, processes, standard operating procedures and instructions so that work is carried out in a controlled and consistent mannerContribute to the identification of opportunities for continuous improvement of systems, processes and practices within the function; taking into account ‘International Best Practice’, improvement of business processes, cost reduction and productivity improvement. Show less Joined Bank Alfalah as Operation Officer Batch in February in Clearing Collection Department.Extensively worked in Remittance (Foreign & local) , Account Opening, Term Deposits, Foreign Exchange, CD in-charge during the period 2006- 2010 in F-7 Markaz Branch Islamabad.Elevated as “In-charge Consumer Banking” in Year 2010 for maintaining efficient customer service & Audit Trails.Expenses & Payroll managementData controlling & Data Management, Internal AuditPreparation of Annual Business Budget and Monthly monitoring of reports. Show less

  • Area Operations Manager

    Jun 2020 - now

  • Branch Operations Manager

    Mar 2011 - Jun 2020

  • Incharge General Banking

    Feb 2006 - Mar 2011