CONFIDENTIAL
MUHAMMAD KAMRAN
Cell | +92 313 480 7994 | [email protected]
Professional Summary
A qualified banking professional with 7+ years of consumer banking experience with specialised in
Sales, Marketing and Coordination across Loans.
Experienced sales executive with proven track record of achieving consumer sales targets including
Credit Cards, Priority Clients, Personal loans etc while delivering best in class customer experience.
Have won multiple sales achievement awards over the years across different product sales.
Handled coordination role for retail banking supporting multiple business functions. Minimize sales error
and rework rates to improve customer TAT and deliver exceptional service.
Extensive sales management skills and business development by identifying new business opportunities
and market search. Supported sales and product team to come up with innovative ideas to ramp up
sales and service
Consistent track record of efficient performance, sales achievement, client management and best in
class productivity while handling different roles in sales and support functions.
Trained individual with competence in Fraud Risk Management (FRM), Anti Money Laundering,
Compliance Due Diligence (CDD), Know Your Customer (KYC), Risk Management, Anti-Bribery and
Corruption etc.
In summary, a result-oriented business executive with competence in Sales Management, Sales
Coordination and Cross-functional team engagement.
Work History
Assistant Manager Marketing May 2017 to Date
AMZ SOURCING (Textile Buying House) Lahore, Pakistan
Liaison with customers.
Seeking business opportunities and broad the customers range.
Monthly Market Trend analysis reports to higher management.
Liaison with Manufacturing Units.
To ensure that customers are clearly communicated about charges/terms and conditions.
Business Development Officer May 2015 to March 2016
Samba Financial Group: Dubai, UAE
Visiting potential customer to prospect new business.
Acting as a contact between the bank and its existing and potential markets.
Verify that potential customers satisfy all criteria outlined by the bank.
To ensure that the sales process prescribed by the bank is fully adhered to.
To ensure compliance requirements as prescribed by the bank are duly adhered to.
Ensure that targets are met and exceeded.
Ensure there is no fraudulent activity while sourcing business.
CONFIDENTIAL
Relationship Officer Feb 2014 to Apr 2015
Noor Bank, Dubai, UAE
To sell Personal finance products to the specified target customers/segments and meet monthly sales
targets.
Major accountability for a Relationship Officer is to ensure that business is solicited as per the Shariah
guidelines/process.
To ensure “Know Your Customer” requirements as prescribed by the bank are duly adhered to. All
the legal and compliance guidelines provided by the bank are adhered to.
Data confidentiality and secrecy norms of the bank are adhered to.
To ensure that code of the conduct as per the bank policy are adhered to.
To ensure that the sales process prescribed by the bank is fully adhered to.
Sales Fulfilment Officer Dec 2009 to Dec 2012
Standard Chartered Bank, UAE
Targeting new and existing customers to sell bank products as per customer needs and profile
Opening of Asset and Liability accounts as per bank policy
Having One to one meetings with customers for counseling and/or discuss their financial needs
Handle customers end to end, from application signing to loan disbursement, building frontend
loyalty and support acquisition of new credit Cards and Personal Loans in accordance with the given
Credit policies.
Delivering all fulfillment requirements for telesales leads provided by Chennai team for Credit cards,
Personal Loan and staff rental advance.
Calculating DBR requirements, customer qualification criteria as required by the bank
Control the front end activities to ensure quality of applications is as per Bank’s policy.
Ensure that error rates on applications sourced are within agreed benchmark.
Develop & maintain the MIS and various Reports on application quality.
Account Officer Dec 2008 to Nov 2009
TCS Pvt. Ltd. Lahore, Pakistan
Cash Sales Finalization on daily basis & send to the head office.
Correction of GEN, BANK, CG and INT’L booking.
To finalize Cash Sales of Lahore area and six branches.
Updating Missing and outstanding reports.
Checking the Audit trial report after billing process.
Served on receivable post in Oracle Financial Software in which posted daily Recovery of Bank,
General, International and Cash sale.
Cashier Dec 2006 to Oct 2008
TCS Pvt. Ltd. Lahore, Pakistan
All Kinds of banking Transactions (Cash & Cheque Deposit).
Cash Sales of Lahore area and six branches.
Supervision of all cashier’s Statement.
Cash Received from express canter, Courier & Area.
Receive PCV (petty cash voucher) from all shifts and enter in oracle financial system.
Handle cod (cash on delivery), DHL duty and custom-duty project.
Finalize incentives of courier after deduction.
CONFIDENTIAL
Key Skills
Sales Expert Personal Finance
Priority Specialist Credit & Risk Management
Client Handling Operational handling
Sales & Support Team management
Governance and Controls
Education
Batchelors in Commerce [B.Com]
Punjab University - Lahore, Pakistan
Intermediate [FSC- General Science]
Government College of Science - Lahore, Pakistan
Personal
Pakistani citizen, Male, Multilingual [English, Urdu, Arabic (Reading), Punjabi]
