Majid Ali

A highly skilled and results-driven banking professional with over 10 years of diverse experience across various banking functions, including Customer Services, Business Development, Branch Banking Operations, Sales, Compliance, and Back Office Operations. Currently serving as a Processing Associate at Emirates NBD, I specialize in managing loan settlements, issuing key financial documentation, and ensuring seamless loan transfers. Throughout my career, I have consistently demonstrated a proven ability to drive sales, optimize financial processes, and enhance operational efficiency while maintaining high compliance standards.

My focus is on delivering exceptional customer service, ensuring regulatory compliance, and continuously improving processes to exceed business objectives. With a commitment to service excellence and risk management, I aim to contribute to organizational growth while maintaining the highest levels of integrity in the banking sector.

Associate - Retail Credit Operations - Emirates NBD - Dubai, United Arab Emirates

(2024-01)

• Manage end-to-end Retail Credit Operations for personal loans, auto loans, and credit cards, ensuring seamless execution of post-disbursement services across branch, contact center, and digital banking channels.
• Administer complex loan servicing activities, including settlements, interbank loan takeovers, restructurings, deferments, partial settlements, account adjustments, and Direct Debit Authority (DDA) cancellations, while ensuring full regulatory and policy compliance.
• Oversee the issuance of Liability Letters, No Liability Certificates, Clearance Letters, and Mortgage Release documents, ensuring timely fulfillment of customer obligations and adherence to internal controls.
• Ensure operational excellence by maintaining high standards of accuracy, service quality, and turnaround times while minimizing operational and compliance risks.
• Collaborate with cross-functional stakeholders, including Retail Banking, Credit Administration, Operations, Compliance, and Customer Service teams, to resolve complex customer cases and enhance operational efficiency.
• Contribute to process optimization initiatives by identifying operational improvements that strengthen service delivery, enhance customer experience, and support business objectives.

Branch Manager - Allied Bank Limited - Karachi, Pakistan

(2021-11 - 2023-12)

• Achieved 41% growth in deposits and 75% increase in branch profitability within one year.
• Delivered 20% deposit growth in 2022, with a projected +25% increase by year-end.
• Led business development and sales initiatives, driving significant growth in deposits and revenue by expanding client relationships and cross-selling banking products.
• Developed and executed targeted sales strategies to achieve branch goals in deposits, advances, and profitability.
• Ensured strict compliance with KYC, AML, and audit controls, aligning branch operations with regulatory standards.
• Enhanced customer relationship management and boosted retention through a strong focus on service excellence.
• Directed branch team management, staff training, and administrative functions to optimize overall branch performance.

Branch Operations Manager - HBL - Habib Bank Limited - Sindh, Pakistan

(2020-12 - 2021-11)

• Ranked top 10 in sales and operational KPIs among 70 regional branches.
• Maintained 95%+ accuracy in account opening, ensuring compliance with documentation standards.
• Handled daily cash management, vault control, and teller operations in line with regulatory limits.
• Managed and monitored ATM operations, including replenishment, reconciliation, and issue resolution.
• Achieved 90%+ turnaround time (TAT) in customer onboarding and transaction handling.
• Processed clearing, remittances, fund transfers, and utility bill payments efficiently.
• Conducted thorough KYC verification during account opening and updates.
• Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) on high-risk clients.
• Identified and escalated suspicious transactions through proper STR (Suspicious Transaction Report) procedures.
• Ensured AML compliance by adhering to internal policies and central bank guidelines.
• Reconciled general ledgers and suspense accounts daily, ensuring accurate financial records.

Area Coordinator - Meezan Bank Limited - Karachi, Pakistan

(2019-05 - 2020-12)

• Launched and managed 4 new branches, handling end-to-end execution including licensing, infrastructure setup, staff recruitment, and operational readiness.
• Ensured regulatory compliance, including alignment with Shariah principles, Central Bank guidelines, and internal control frameworks.
• Closely monitored branch performance, providing operational and strategic support to meet sales, service, and compliance targets.
• Oversaw daily branch operations and guided branch managers in resolving administrative and operational challenges to maintain service excellence.
• Coordinated with departments and regional teams to ensure smooth branch operations.

Internal Control Manager - MCB Bank Limited - Karachi, Pakistan

(2013-11 - 2019-04)

• Progressed through multiple roles, from Trainee Business Officer to Credit Officer, Branch Operations Manager, and Internal Control Manager, gaining expertise in branch operations, credit management, risk assessment, and internal controls.
• Elevated branch audit ratings from “Fair” to “Satisfactory,” surpassing a 33% improvement target and eliminating “Marginal” ratings across 25 branches.
• Implemented robust internal controls ensuring compliance with SBP regulations, AML, KYC, and CDD policies, enhancing operational integrity and risk management.
• Supervised branch banking operations, including account opening, cash handling, remittances, general banking, and transaction monitoring, ensuring regulatory compliance and service excellence.
• Managed credit approvals, financial risk assessments, property valuations, and loan processing, ensuring adherence to bank policies and regulatory requirements.
• Recognized with the President Award & Star Award for outstanding performance in the Acquisition of NIB Bank Limited by MCB Bank Limited.

Bachelors of Studies in Commerce (B. Com Hon’s) - University of Sindh (2008 - 2011)