Muhammad Usman
London,United Kingdom
Summary
Accomplished professional with expertise in branch operations, business development, and strategic planning. Demonstrates a strong ability to drive performance monitoring, implement effective sales techniques, credit analysis and enhance customer service excellence. Ability to drive business growth with customer satisfaction and foster teamwork through strategic planning and problem-solving skills.
Overview
13
13
years of professional experience
13
13
years of post-secondary education
Work History
Branch Manager
MCB Bank Limited
Gujranwala, Pakistan
05.2024 - 01.2025
- Ensured to fulfill the financial targets assigned by management of bank.
- Developed key operational initiatives to drive and maintain substantial business growth.
- Ensured branch met all regulatory requirements.
- Identified and liaised with clients, resulting in strong relationships and repeat business.
- Ensured compliance with company policies.
- Resolved customer complaints swiftly.
- Identified and resolved operational issues impacting productivity, performance or profitability.
Branch Manager
The Bank of Punjab
Hafizabad, Pakistan
11.2023 - 04.2024
- Served customers to drive sales and deliver top-quality experiences.
- Managed daily operations to ensure smooth running of the branch.
- Developed and implemented strategies for increased customer satisfaction.
- Provided excellent customer service, securing client loyalty.
Branch Manager
Allied Bank Ltd.
Hafizabad, Khanqa Dogran, Pakistan
03.2019 - 10.2023
- Developed key operational initiatives to drive and maintain substantial business growth.
- Reviewed and analysed sales data to identify growth opportunities.
- Put in place clear controls for financial administration and business management.
- Provided excellent customer service, securing client loyalty.
Relationship Manager (SME & Commercial)
Allied Bank Ltd.
Gujranwala, Pakistan
06.2016 - 03.2019
- Conducted face-to-face meetings with SME clients, managing portfolio.
- Conducted proactive credit risk assessments and customer due diligence reviews for comprehensive understanding of clients.
- Identified and developed new business opportunities, expanding existing client bases.
- Achieved high customer satisfaction with regular follow-ups.
- Developed new business opportunities for enhanced revenue generation.
Agriculture Credit Officer (OG-II)
Askari Bank Ltd.
Gujranwala, Pakistan
11.2013 - 06.2016
- Documented client applications for agriculture mortgage loans.
- Analysed financial statements to identify client viability and risk.
- Managed portfolio of loans to maintain profitability and reduce loss exposure.
- Prepared documentation on loan repayment feasibility.
- Conveyed terms and conditions to applicants to inform about loan rates, repayment requirements and potential actions in case of default.
Agriculture Finance Officer (AM-I)
Habib Bank Ltd.
Gujranwala, Pakistan
11.2012 - 11.2013
- Met with applicants to collect information about personal histories, current loans and income.
- Documented client applications for agriculture mortgage loans.
- Analysed customer history and financial reports to assess risk and creditworthiness.
- Ensured compliance with legal requirements through meticulous record-keeping.
- Managed portfolio of loans to maintain profitability and reduce loss exposure.
Territory Manager
Sayban International
Sialkot, Pakistan
04.2012 - 11.2012
- Adapted sales pitches and presentations to meet bespoke customer requirements.
Education
Bachelor of Law - Law
Bahauddin Zakariya University
Multan, Pakistan 11.2015 - 11.2018
Master of Science (hons.) - Agriculture
University of Agriculture
Faisalabad, Pakistan 09.2009 - 12.2011
Bachelor of Science (Hons.) - Agriculture
University of Agriculture
Faisalabad, Pakistan 09.2005 - 05.2009
Intermediate - Pre-Medical
Board of Intermediate and Secondary Education
Lahore, Pakistan 05.2003 - 04.2005
Matriculation - Science
Board of Intermediate and Secondary Education
Gujranwala, Pakistan 04.2001 - 03.2003
Skills
- Branch operations
- Business development
- Performance monitoring
- Sales techniques
- Knowledge of banking products
- Team building and training
- Effective communication
- Credit analysis
- Customer service excellence
- Crisis management
- Time-management
- Strategic planning
- Decision making
- Marketing strategies
- Proactive initiative
Languages
Effective listening and communication skills in English
Upper intermediate
Urdu
Native
Punjabi
Native
Personal Information
- Domicile: Gujranwala (Punjab)
- CNIC Number: 34104-7583978-7
- Father's Name: Muhammad Ashraf
- Date of birth: 10/30/87
- Gender: Male
- Nationality: Pakistani
- Marital status: Married
- Religion: Islam
Custom
Got 1st position during whole University career in room decoration competition Senior member of Hostel Management Committee
Affiliations
- book reading and playing games
Accomplishments
Achieved award in games specially table tennis at school level
Timeline
Branch Manager
MCB Bank Limited
05.2024 - 01.2025
Branch Manager
The Bank of Punjab
11.2023 - 04.2024
Branch Manager
Allied Bank Ltd.
03.2019 - 10.2023
Relationship Manager (SME & Commercial)
Allied Bank Ltd.
06.2016 - 03.2019
Bachelor of Law - Law
Bahauddin Zakariya University
11.2015 - 11.2018
Agriculture Credit Officer (OG-II)
Askari Bank Ltd.
11.2013 - 06.2016
Agriculture Finance Officer (AM-I)
Habib Bank Ltd.
11.2012 - 11.2013
Territory Manager
Sayban International
04.2012 - 11.2012
Master of Science (hons.) - Agriculture
University of Agriculture
09.2009 - 12.2011
Bachelor of Science (Hons.) - Agriculture
University of Agriculture
09.2005 - 05.2009
Intermediate - Pre-Medical
Board of Intermediate and Secondary Education
05.2003 - 04.2005
Matriculation - Science
Board of Intermediate and Secondary Education
04.2001 - 03.2003
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