CV, Chief Banking Operations Manager

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Serial No: 48014

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Skills keywords: banking, islamic finance

Short Bio:

COO-board level with over 20 yrs of diverse banking experience gained from UAE, Pakistan, Afghanistan. Looking for more challenging role in banking industry.

Done MBA in finance, MBA in islamic finance, PMP, CIFE, CA 4 yrs articleship.

Current location:  Islamabad Capital Territory, Pakistan - View on map

Nationality: Pakistan

Preferred Sector of Employment:  Banking Insurance and Financial Services, General Management

Spoken languages: english, Hindi, punjabi, Urdu

Location I am interested in working: Anywhere

PROFILE

CHIEF OPERATING OFFICER (COO) (International Banking & Financial Services)

– Growth Strategy: Maximising opportunities to grow annual revenues (i.e. increased by $150M since 2011)

– Business Acumen: Combining financial, operational and commercial decision-making (i.e. integrated plans)

– Senior Stakeholders: Experienced at building high-level relationships with significant boardroom expertise

– Change Leadership: Transforming operations, modernising banks and adapting to changing business needs

– Talent Strategy: Built talented teams, recruited for key positions and led training / development programs

– Islamic Banking: Strong expertise – MBA, Islamic Banking & Finance; Certified Islamic Finance Expert (CIFE)

– Best Practice Model: International / KYC regulations, global benchmarking and Central Bank Governance

PROFESSIONAL EXPERIENCE

CHIEF OPERATING OFFICER (COO) – BAKHTAR BANK (HQ),  AFHHANISTAN
May 2011 – PRESENT

 Board Member: Member of the Senior Leadership Team for a rapidly growing commercial / Islamic bank employing 1,200 staff in Head Office functions and 63 branches – grew asset value from $160M to $300M.

 Strategy & Vision: Providing essential leadership and top-level guidance on the Supervisory Board to define a 5-Year Strategic Plan within strict guidelines for approval from the Afghanistan Central Bank Committee.

 Turnaround Strategy: Restored bank to profitability with stronger capabilities, fewer branches, centralised functions, clear roadmap and a stable financial position – grew revenues from $50M to $150M in 3 years.

 Islamic Banking Model: Spearheaded new business operating model with the aim of becoming the leading Islamic Bank within Afghanistan to take advantage of growth opportunities in a rapidly changing segment.

 Senior Stakeholders: Presented business cases, financial projections, operational plans and requirements for the Islamic Banking Rollout Program, including internal communications, staff training and branch manuals.

 Business Development: Modernised branch networks (added 40 branches), increased geographical coverage, introduced Shariah-compliant products and built trusted long-term relationships with overseas banks.

OPERATIONS STRATEGY & LEADERSHIP

 Change & Transformation: Led strategic change, transition and transformation plans to achieve regulatory compliance and operational excellence in line with Islamic Banking standards, policies and requirements.

 M&A Integration: Supported due diligence and complex negotiations in the acquisition of the Development Bank of Afghanistan before directly leading post-merger integration, transition, operations & rebranding.

 Centralised Operations: Led change / cost reduction plans to optimise resources, centralise HQ back office functions and develop a shared services model supporting Consumer, Retail, SME & Corporate segments.

 Team Leadership: Leading director reports for Compliance, Treasury functions, AML, Payments, Marketing & Branding, Card Operations, Internal Controls and IT, plus Branch Managers and remit for over 650 staff.

 Talent Management: Driving HR resourcing, talent acquisition, training programs, succession planning and recruitment in line with headcount strategies, skills requirements and plans to expand branch networks.

GOVERNANCE, BEST PRACTICE & COMPLIANCE

 Board Meetings: Attending Management Board / HQ / Director Meetings to drive forward strategic plans, review performance, oversee regulatory compliance and remedial actions as required by the Central Bank.

 Quarterly Meetings: Management meetings with Branch Managers & Business Development Managers to review performance, set priorities, launch new products, gauge market response and drive growth plans.

 Policy Development: Delivering corporate governance, robust policies and regulatory compliance to enforce all Central Bank, AML Regulatory Body, Government Ministry of Finance and international requirements.

 Risk Management: Adapting the business to emerging trends, specific requirements and new regulations with a greater focus on fraud / anti-money laundering (AML) and compliance due diligence IT solutions.

 International Focus: Strengthening basis for collaboration with 12 banking institutions outside Afghanistan to benchmark against international best practice standards and assess potential investment opportunities.

 Strategic Projects: Overseeing business critical projects relating to new technology implementation, cost reduction, internal controls, KPI metrics, shared services models and regulatory compliance (key deadlines).

 Business Improvement: Introduced systems technology, greater automation and efficiencies to optimise workflows, internal controls and cost savings with an increased portfolio of products and services on offer.

 Branch Networks: Visiting locations to see everything in operation and gain direct feedback from frontline employees to collaborate on staff incentive schemes, training programs and product / brand awareness.

HEAD OF BANKING OPERATIONS (CORPORATE & RETAIL) – MASHREQBANK(HQ)
Dubai 2001-2011

 Senior Leadership Team: Progressed to Assistant Vice-President (Operations & General Services) covering a network of 54 branches (UAE), plus international banking operations in Bahrain, Qatar, Egypt & Kuwait.

 Strategy & Vision: Led strategic approaches, business improvement and change management initiatives to build a stronger and more resilient bank by centralising operations and exceeding cost reduction targets.

 Team Leadership: Led team of 125 people across different functions, notably Cash Management, Clearing / Collections, Remittance & Vendors, Enterprise Control, Offshore Operations and Regulatory Compliance.

 Talent Management: Built high performance teams by recruiting for key positions, plus overseeing future skills requirements, training programs, succession plans, high potential employees, coaching and reviews.

 Multi-Channel Approach: Full oversight for multi-channel banking operations, including corporate clients, retail account management, online (website) and walk-in operations via dispersed retail branch networks.

 Business Development: Created new opportunities by introducing the Mashreq Business Online Platform, providing a stable platform for future growth and using technology to develop new services / propositions.

CHANGE & TRANSFORMATION LEADERSHIP

 Change & Transformation: Centralised cash management functions, standardised processes and introduced systems enhancements for MIS reporting, internal controls and greater automation (AED 17 million savings).

 Restructuring Plans: Led business optimisation plans to redefine roles, responsibilities, accountabilities and decision-making remits to reduce headcounts, re-deploy staff and improve operational / cost efficiencies.

 Operational Excellence: Defined new financial operations model with significant improvements in payment systems (inward / outward), transactions, clearing and bulk payroll services to manage increased volumes.

 Best Practice Model: Delivered fully compliant banking operations and regulatory compliance to achieve international best practice standards, whilst continually adapting requirements in a changing environment.

 Supplier Relationships: Oversight for strategic suppliers, business partners and vendor selection to support banking services, centralised functions and outsourced processes, including building trusted partnerships.

 Performance & Control: Strategic oversight for budgets, internal controls, security risk management, fraud prevention, business continuity, executive reporting, KPI metrics, sales performance and audit standards.

TEAM LEADER – OPERATIONS (REGIONAL PROCESSING CENTRE)- MASHREQBANK (HQ), DUBAI
1995-2000

 Team Leadership: Directly managed a team of 95 people across different operational areas with all training, recruitment, staff development, performance reviews, headcount budgets and business planning needs.

 Banking Operations: Managed day-to-day operations in a Regional Processing Centre providing back office support, clearing services, salary processing and TT/Telex transfers for a network of branches across UAE.

 Customer Operations: Oversight for customer queries, complaint handing and account management to help facilitate fund transfers, foreign trade transactions, cash management, bill discounting and other services.

 Best Practice: Gained strong knowledge of banking systems, processes, procedures, policies and standards in a complex environment, including regulatory compliance, change management and quality assurance.

 Project Coordination: Led initiatives on offshore outsourcing (supplier selection), systems automation and efficiency gains – i.e. digital banking, workflow management, internal control and cost reduction projects.

SENIOR AUDITOR – JAWAID & CO., CHARTERED ACCOUNTANTS, PAKISTAN 1992-1995

TRAINEE ACCOUNTANT (STUDENT TRAINING CONTRACT) – JAWAID & CO., PAKISTAN 1988-1992

QUALIFICATIONS & PROFESSIONAL DEVELOPMENT

2015: MBA, Islamic Finance – California University, USA

2014: Master Diploma in Islamic Finance – AIMS UK

2014: Certified Islamic Finance Expert (CIFE) – AIMS UK

2014: Project Management Expert (PME)

2001: MBA, Finance & Accounting – Preston University, Pakistan

1999: Diploma in Banking (AAIBF) – Australian Institute of Banking, Australia

1992: Diploma in Computer Science – Oxford Commercial College, Pakistan

1992: Chartered Accountant- 4 yrs Articleship – Institute of Chartered Accountants, Pakistan

1987: Bachelor of Commerce (B.Com) – Muzaffarabad University, Pakistan

1984: Diploma in Commerce – Punjab Board of Technical Education, Pakistan

BOARDS & COMMITTEES: Board of Management (BoM), Asset & Liability Committee (ALCO), Budget & Procurement Committee, Human Resources & Compensation Committee, Product Development Committee, Operations Risk Management Committee, Investment Governance & Oversight, Credit Approval Committee

BOARD-LEVEL EXPERIENCE: Over 3 years experience within boardroom decision-making environments

TALENT MANAGEMENT PROGRAM: Mashreq Bank Talent Management & Development Program

FINANCIAL CONSULTANT & STRATEGY – Afghanistan Financial Services (Part-Time, 2013-2014)

PROFESSIONAL MEMBERSHIPS: AAIBF (Australian Institute of Banking), Global Doctorate Society (USA), Gulf Project Management Consortium

BANKING & FINANCE TRAINING COURSES

Cash Management Products (Processing Systems), Banking Standard Operating Procedures (SOP), Business Process Management (BPM), Banking Best Practice Modules, Brand Management, Business Continuity Planning (BCP), Team Building & People Management, Total Quality Advantage (TQA), Bank Trade Systems, Customer Centricity, Time Management, Flexi Cube System, Work Life Balance, Banc-24, Basel I & II, Core Banking Systems, Compliance & Regulatory Enforcement, Anti-Money Laundering (AML) & Internal Control, SWIFT, Project Management Techniques, Audit & Internal Control Techniques, Corporate Governance.

International & Cultural Awareness (lived & worked abroad in several countries)