Hi, I’m
Muhammad Imran
Columbia,USA
Summary
Dynamic leader with a proven track record at Commercial Bank of Qatar, excelling in Islamic Product Selling Skills and Team Leadership. Spearheaded the first Retail Banking QA team, significantly enhancing customer satisfaction and operational efficiency. Recognized for exceptional Business Development and Strategic Planning, achieving notable awards and consistently surpassing sales targets.
Talented Manager with expert team leadership, planning, and organizational skills built during successful career. Smoothly equip employees to independently handle daily functions and meet customer needs. Diligent trainer and mentor with exceptional management abilities and results-driven approach.
Overview
18
years of professional experience
1
Certification
Work History
Commercial Bank of Qatar
Manager-Retail Governance & Control(Quality Assurance)
04.2021 - 05.2024
Job overview
- Reported to the Head of Retail Governance & Control, led a team of 08, working in retail quality control section under retail governance & control
- Established and led the first Retail Banking Quality Assurance (QA) team and designed the workflows, SOP's, checklists and reporting plans
- Orientated the QA team starting from on-board and actively guided them on actions required
- Managed and motivated employees to be productive and engaged in work.
- Accomplished multiple tasks within established timeframes.
- Maintained professional, organized, and safe environment for employees and patrons.
- Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
- Resolved staff member conflicts, actively listening to concerns and finding appropriate middle ground.
- Maximized performance by monitoring daily activities and mentoring team members.
- Cross-trained existing employees to maximize team agility and performance.
- Controlled costs to keep business operating within budget and increase profits.
- Developed and maintained relationships with customers and suppliers through account development.
Commercial Bank of Qatar
Product & Sales Manager- Cash Management-Transaction Banking
11.2018 - 03.2021
Job overview
- Currently reports to the Head of Cash Management, working in cash-management section under transaction banking, and offers a range of all cash management products, facilities and customized solutions- Cash collection and delivery, Post-dated cheques (PDC) management, Remote cheque deposit (RCD), Direct debit solutions (DD), customized receivables collection and achieve performance targets as per the set key performance indicators
- Contact prospective clients to solicit new business for E-channels, Corporate Internet Banking (CIB) Host-2-Host, Swift net and Mobile Banking, designed to cater to unique financial needs, combining modern-day convenience with worldwide acceptance and providing a host of special privileges
- Formulate corporate business strategy, establish priorities to meet performance targets, and achieve AOP - Areas of Performance for acquisition & corporate customer relationship management as per KPI
- Periodically update management on current market trends, schemes & competitor moves, prepare sales & promotional budgets & business plans to achieve market share metrics
- Engage with Large corporate, commercial lending, and contracting business segments to work on Low Cost Deposits(LCD)
- Recognized as Best Cash Management specialist certificate in last Quarter 2018
- Played a vital role in Cash Management-Transaction banking and won Asian Banker's award, published news on Gulf Times at 08 April 2019
- Handled customer relations issues, enabling quick resolution, and client satisfaction.
- Increased sales revenue by developing and implementing effective sales strategies.
- Built long-lasting client relationships through excellent customer service and consistent followups.
- Led a successful sales team by providing motivational coaching and performance-based incentives.
- Organized regular sales meetings to review progress, share best practices, and set achievable targets for continued success.
- Maintained relationships with customers and found new ones by identifying needs and offering appropriate services.
- Consistently met or exceeded quarterly sales targets through diligent effort and persistence in closing deals.
- Managed key accounts with strategic planning and relationship building, resulting in increased customer loyalty and repeat business.
Dubai Islamic Bank
Relationship Manager- Multi Products
03.2013 - 06.2019
Job overview
- Company Overview: Dubai Islamic Bank, Dubai, UAE
- Established and led the Retail Controls unit for ongoing customer due diligence (OCDD)
- Engage within my team to update overall Retail Banking customers records like enhance due diligence, ongoing customer due diligence (OCDD) and Know your Customers (KYC,s) for high, medium, and low risk customers
- Reviews of Quality checks and assurance of corporate and retail account opening by 28 retail branches
- Handled exit committee customers, RFI,s and monitored business transactions in personal accounts
- Implemented KYC process for low, medium and high-risk customers on Mobile and Retail internet banking
- Implementation of regulators directive and FATF committee's recommendations in retail processes within a month
- Overseeing Retail Banking Control functions and ensuring strict governance Quality Assurance policies
- Dubai Islamic Bank, Dubai, UAE
Barclays Bank
Senior Sales Executive
05.2012 - 02.2013
Job overview
- Company Overview: Dubai, UAE
- Reported to the Business Development Manager, & executed business plans to penetrate listed companies for credit cards & bank loans & met specified objectives to increase market share & profitability of the British multinational banking & financial services company as per the set Key Performance Indices
- Designed & developed strategies to handle companies' portfolio management and strong relationship management
- Evaluated zonal business opportunities, competitive offerings, and marketing avenues and recommended plans to capitalize on the same
- Added new to bank customers, analyzed & processed their applications, and resolved discrepancies if any
- Communicated bank processes and policies to fulfil responsibilities as per the compliance, AML, and legal requirements
- Dubai, UAE
- Planned and ensured optimal resource utilization (manpower, finances, network, quality acquisitions, and customer care) in all spheres of business with maximum effect
Faysal Bank Ltd.
Relationship Manager
11.2008 - 04.2012
Job overview
- Company Overview: (Formerly Royal Bank of Scotland), Karachi, Pakistan
- Reported to the Area Branch Manager, engaged in Corporate, Commercial, Retail and Islamic Banking activities with accountability to deliver timely, friendly & error-free services to all customers as per the defined Key Performance Indices
- Developed understandings of market to fulfill customer requirements within established time frame to achieve high customer satisfaction & experience
- Consistently meet and exceed service standards set for the customer services area by taking ownership of customer problems and handling it till final resolution
- Adhered to branch processes & policies and reported deviation to immediate supervisor
- Guided customers regarding the right product to meet their needs & attempted to cross-sell other RBS products & services to existing customers
- Demonstrated convenience by usage of alternative delivery channels to reach customers
- Held custodianship of ATM cards, Cheque books and PIN mailers as & when assigned the task by Branch Management
- Provided constructive & constant feedback on improvement of products, services
- Systems, which may either, reduce cycle time or costs or enhance customer satisfaction or increase controls & reduce risks
- (Formerly Royal Bank of Scotland), Karachi, Pakistan
- Made noteworthy contribution to manage portfolio comprising of 600 clients worth approximately PKR 450 Million
- Instrumental in enhancing portfolio by PKR 345 Million through marketing products to potential clients
Royal Bank of Scotland
Institutional Sales Supervisor- Consumer Asset
11.2006 - 10.2008
Job overview
- Company Overview: (Formerly ABN Amro Bank Ltd), Karachi, Pakistan
- Reported to the National Sales Manager, & provided a wide range of products and services to personal, commercial and large corporate and institutional customers with consistent, high quality customer service
- Inducted new company into approved banking panel list and then make corporate deals
- Designed strategy for better utilization of available human resource
- Providing training to new sales staff
- Supervised sales team & motivated & supported team to achieve their targets
- Smothered workflows to handle application collection, processing and forwarding
- Developed rapport among management and sales staff
- Maintained portfolio and provided best services to the customers
- (Formerly ABN Amro Bank Ltd), Karachi, Pakistan
- Attained highest productivity in work to ensure perfection in completion of all credit and security documentation before the institution of any facility as per requirements of Sanction Advice & Prudential Regulations of SBP
- Successfully updated records of all clients- Corporate, Commercial & SME in the Credit Risk Module in Bank Smart (banking software) to calculate Minimum Capital Requirement (MCR)
Education
University of Arkansas Little Rock
MS Business information systems & Analytic
10.2024
University of Central Punjab
Masters Degree in Business Administration from Marketing & Finance
01.2011
Punjab University
Bachelors Degree in Commerce
01.2006
Skills
- Islamic Product Selling Skills
- Revenue & Profit Driven
- Business Development
- Market Research & Analysis
- Sales Management
- Marketing Communication
- Key Account Management
- Auto Finance Management
- Target Oriented
- Credit Policy Parameters
- Team / People Management
- Client Relationship Management
- Staff Training and Development
- Staff Management
- Strategic Planning
- Team Leadership
- Time Management
- Verbal and written communication
- Complex Problem-Solving
Professional Highlights
An accomplished banking professional holding an MBA in Marketing and Finance, with extensive experience in both corporate and retail banking. Specializing in strategic business implementations, customer service, and relationship management to enhance customer satisfaction and value for financial products and services.
Accreditationtraining
- Completed training course on sharia based Islamic Banking in Dubai
- Attended training programme to boost team spirit & training sessions on CAAML organized in Dubai
- Participated in a training workshop on negotiation skills held in Dubai
- Underwent training sessions on solving problems and decision making conducted in Dubai
Personal Information
- Passport Number: DZ1220462
- Date of Birth: 04/23/84
- Nationality: Pakistani
- Driving License: Valid in Qatar, UAE and Arkansas USA
- Visa Status: US Resident Visa
Accomplishments
- Certified ScrumMaster (CSM)
- Certified Sales Professional (CSP)
- Project Management Professional (PMP)
- [State] Driver's License
- Six Sigma Certification
Certification
- Certified ScrumMaster (CSM)
- Certified Sales Professional (CSP)
- Project Management Professional (PMP)
- [State] Driver's License
- Six Sigma Certification
Languages
English
Native or Bilingual
Urdu
Native or Bilingual
Punjabi
Native or Bilingual
Arabic
Limited Working
Availability
See my work availability
Not Available
Available
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
swipe to browse
Work Preference
Work Type
Full TimeWork Location
On-SiteRemoteHybridImportant To Me
Work-life balanceCareer advancementPersonal development programsTeam Building / Company RetreatsPaid sick leaveHealthcare benefitsCompany CultureFlexible work hoursWork from home optionPaid time offStock Options / Equity / Profit Sharing401k match4-day work weekSoftware
CRM
Kapiti
Symbol
Rattle
Weka
Interests
Reading Books
Travelling
Innovations
Explore
Timeline
Manager-Retail Governance & Control(Quality Assurance)
Commercial Bank of Qatar
04.2021 - 05.2024
Product & Sales Manager- Cash Management-Transaction Banking
Commercial Bank of Qatar
11.2018 - 03.2021
Relationship Manager- Multi Products
Dubai Islamic Bank
03.2013 - 06.2019
Senior Sales Executive
Barclays Bank
05.2012 - 02.2013
Relationship Manager
Faysal Bank Ltd.
11.2008 - 04.2012
Institutional Sales Supervisor- Consumer Asset
Royal Bank of Scotland
11.2006 - 10.2008
University of Central Punjab
Masters Degree in Business Administration from Marketing & Finance
Punjab University
Bachelors Degree in Commerce
University of Arkansas Little Rock
MS Business information systems & Analytic
Similar Profiles
Dinc CetintasDinc Cetintas
Data Scientist at Commercial Bank of QatarData Scientist at Commercial Bank of Qatar
Muhammad Enayet UllahMuhammad Enayet Ullah
Associate (Client Engagement Team) at Commercial Bank of QatarAssociate (Client Engagement Team) at Commercial Bank of Qatar
Van Riel ValmadridVan Riel Valmadrid
.NET Core Developer at Commercial Bank of Qatar.NET Core Developer at Commercial Bank of Qatar