Ravee Kumar

To get managerial position in a reputable organization with dedication, commitment & emphatic approach through a genuine desire to assist in demanding situation & Challenging environment to achieve self efficiency & Career growth to be a productive assets for the organization by utilizing Experience and skills.

Area Manager - HBL Bank Limited - FFC Town Ship Branch Mirpur Mathelo

(2017-02)

• Management & Development Of Business.
• Enhance the branch business by increasing the number of profitable/relationship and increase revenue & profit.
• Along with Regional Executive, plan manage and execute a Strategy to achieve target financial results and a quality of service superior to Competitors which is in line with HBL s service quality benchmarks.
• Ensure adherence to KYC and Anti Money Laundering guidance while initiating and reviewing customer relationship.
• Act as mentor to all staff in the Customer Services by answering queries in relation to procedure, policy etc.
• Maintain high level of Staff moral through support, direction and coaching.
• Ensure a high level of Customer Service
• Ensure Compliances to internal policies and procedures.
• Maintain an effective and cordial working relationship with the regulators.i.e SBP and external auditors.
• Achieve and Overall favorable audit rating.
• Discuss and set Specific, Measurable,Attainale Realistic & Time-based goals for Managers and Meeter/Greeter and monitor their performance in the line with their objectives.
• Discuss and undertake the annual appraisals of all reporting Staff.
• Retain and Grow share of existing Retail/Commercial banking customer base to sustain and increase profitable business by:
• Retaining profitable existing set customers by consistently meeting or exceeding customer expectations.
• Pro-actively developing and maintaining a detailed understanding of customers business and financial services needs.
• In line with Banks credit guidance and lending policy:
• Recommend loans as per Credit discretion.
• Consistently review the existing credit portfolio to detect early warning signals.
• Continuous Improvement and Change Implementation
• Ensuring the Sharing of best practice.
• To ensure that Objectives and reasons for Change are clearly understood and communicate.
• Obtaining commitment of Staff through involvement.
• Decisions Expected
• Authorize the excess limit transactions over and above limits.
• Approve the financial expenses within limits as decided by Managements.
• Improvements to existing work processes/procedures within approved parameters
• Approvals of lending applications within designation discretions
• Management of staff.
• Certificates Awarded by Regional Chief on Top Area on CA Deposit 200% Growth.
• Certificates Awarded by Regional Chief on Top Area on total Deposit 200% Growth.
• Certificates Awarded by Regional Chief Ist Position in Trade Business.
• Certificates Awarded by Regional Chief Ist Position in Lending /Seasonal Finance/SBFs
• Win the Banca Convention Of Switzerland by Achieving Top Area Manager as Super Achievers.

Branch Manager - HBL Bank Limited - Ghotki Branch

(2015-03 - 2017-02)

• The Primary responsibilities of a Branch Manager are to establish and maintain the customer Relationship and identify prosperous market for both assets and liabilities.
• They need to strategize to achieve multi-dimensional growth targets within reasonable time-line & approved budget.
• Implement strategies for deposit mobilization & achievement of Advances & liability targets assigned
• Increase and monitor cross selling targets.
• Interact with identified current & prospective clients to increase share of wallet
• Ensure the timely internal/external audit/compliance review to be conducted accurately
• Manage operation to maximize human and automated resources to achieve productivity
• Ensure timely regulatory reporting to state bank of Pakistan and review branch MIS report.
• Cross sale in Banca to win the Awards by Regional Chief.
• Win the Gold Medal Award in First Position in Pakistan By President HBL Bank 2016
• Win the shield on CA Deposit by president HBL Bank
• Win the Gold Medal Award in First Position in Pakistan By President HBL Bank 2017 at Bangkok annual Conferences.

Branch Manager - JS Bank Limited - Ghotki Branch

(2014-09 - 2015-03)

• Responsible for developing and implementing strategies for the branch to ensure Banks overall business objectives.
• Ensures smooth functioning of the Branch with a view to achieve multi-dimensional growth targets within a reasonable time frame and budget.
• Acts as a direct link and interface between customers and management. Also has complete people Management responsibility.
• Implements strategies to fuel growth in the Branch's deposit base and other business targets.
• Ensures deposit mobilization and growth of deposit base as per assigned targets.
• Interacts with identified current and prospective clients to increase share of wallet.
• Manages customer attrition and devises policies to increase retention ratio and expand customer base.
• Responsible for ensuring cross selling targets are met.
• Coordinates with the relevant support departments to ensure smooth management of the branch operations.
• Ensures timely resolution of customer complaints and queries and maintains records of feedback from internal and external customers.
• Does periodic reporting of accounts and reviews MIS reports.
• Ensure that cash and other valuables including security stationery are balanced.
• All vouchers are processed in accordance with SOPs and operations manual and within the signing authorities given to designated staff.
• Approve and sign all instruments and vouchers generated in the branch along with any other authorized signatory as per delegated signature authorities.
• Check and approve account opening forms for opening.
• Ensure strict compliance to laid down procedures e.g. SOPs, Operations Manual, AML & KYC policy & SBP Prudential Regulations.
• Ensure minimum audit observations and acceptable audit rating for the branch.
• Implement Internal Service Measure (ISM) in the branch in order to maintain and exceed service delivery standards.
• Assign objectives to the direct reports and evaluate performances. Recommend high performers for rewards and counsel marginal performers.
• Monitor Income / Expense variance.
• Preparation and monitoring of administrative budget of the branch.
• Identify training needs and recommend training course for staff.
• Ensure no exceptions are allowed by compromising on basic controls and compliance policy.
• Conduct periodic checks of cash, security stationery and other valuables in custody of the branch.
• Exercise expense control and identify areas of cost saving.
• Ensure smooth running of business and branch operations in line with business strategy and support to retain existing business and new business development with strict adherence to SBP guidelines and Bank’s internal policies.

Relationship Manager - Soneri Bank Limited - Ghotki Branch

(2013-04 - 2014-09)

• Manage the individual & corporate institutional Customer portfolio for the Branch.
• Responsible for Mobilization of Deposit & assisting first time Customers on Opening their Bank Account.
• Liaises with Current & prospective Client to provide the financial Advice, educate them on Bank Services & product line with the Customers personal requirement.
• Meet & Exceed the revenue & volume target with specific time frame.
• Manages & Monitors portfolio attrition.
• Provide the service to Customer in the Branch.
• Maximize the Bank Retail products/services & to meet the Specific targets & agreed from time to time.
• To generate the Business through local promotion/ marketing & as well as potential individual Customers.
• To be fully Conversant & up-to-date in the Baking products, Bank policies/procedures knowledge of the various products offered by the Bank.
• To coordinate with staff.
• To Open & update Customers, accounts, with Complete Documentation & as per prudential regulation as part of service within time frame agreed from time to time.
• Provide the update to supervisor & management on performance & market realities.
• Ensure the Adherence to all regulatory legal requirements set by SBP.
• Ensure the all Customer record are kept Confidential & are protected.
• Ensure KYC Compliant Customer are Solicited
• Core sell in Banca to win Malaysia Convention 2013 within (04 Months)
• Camyabi Certificate Awarded By Group Head On Current Accounts & Cash Prize.
• Win the Cash prize in the month of August & October (On Current Accounts).
• Job rotation of branch in the capacity of Credit officer
• To prepare the credit proposals of clients, in accordance to the bank policy & prudential Regulation of central Bank.
• Proper documentation of clients files & keeps original property documents of the clients in safe custody.
• Correspondence with higher offices, regarding the credit proposals & fulfill of the all requirements.
• To prepare the car finance proposals of clients.

BSO - MCB Bank Limited. (Consumer Banking) - Adda Mureed Shakh Branch

(2011-02)

• Introduce new customer in the bank & attend to customer inquiries for opening accounts.
• Provide the information on the product Offered by the bank.
• Complete the all formalities relating to customer accounts and manage them as required under the Deposit Manual.
• Achieve the targets of deposit & maintain the existing customers.
• Cores sell in Banca to win turkey Convention 2011 Istanbul.
• Core sell in Banca to win China Convention 2012 Beijing

Investment Relationship Associate - MCB Bank Limited. (Consumer Banking) - Qasimabad Branch Hyderabad

(2010-05 - 2010-09)

• Extensive Knowledge of investment Banking, Banking Coverage & products.
• Provide the information to customer on the investments products Offered by the bank.
• Generating the financial analysis, & dealing with customers & knowledge of the products will Help the achieve the Growth and built the revenue of the bank.
• Responsible for maintaining positive relationship with customers as well as delivery world class Service to the customer
• Handle the task of contributing effectively in every phase to support new development.

Customer Relationship Officer - First Microfinance Bank Limited

(2006-04 - 2009-12)

Job rotation all seats of Branch in Capacity of Manager, Operation Manager Credit Officer, & Microfinance Officer.

• Looking after all operation of the branch such as; Remittances, local Collection, out Branch Collection, Cross Branch Transaction & all general banking operation.
• Ensure that all vouchers are properly checked from proof list Of transaction ledger.
• Manage and maintain the vouchers on regular basis as required by finance department.
• Prepare the bank reconciliation statement as required by finance department.
• Attend all IT related work as required under the IT securities and policies manual
• Monitor, supervise and authorize daily financial & non financial transaction.
• Co-ordinate with internal and External audit team; attend and ensure timely and proper Rectification Of audit Objections and non repetition of the same.
• Ensure timely and accurate reporting by branch.
• Cash handling /Monitoring:
• Responsible for handling payment from various branches and correspondence
• Responsible for safe Collection and field recovery.
• Ensure that vault is Completely ready before the start of business hours & required the Cash must Collect /supply within due time period.
• Ensure the Cashier system is properly handled within the branch with accuracy & efficiency
• Timely reporting of cash carry related activities.
• Ensure the transaction and reporting of activity is accurate and completely.

MASTER OF BUSINESS ADMINISTRATION - Finance - Shah Abdul Latif University Khairpur Mir’s (2008)

MASTER IN ECONOMICS - Economics - Shah Abdul Latif University Khairpur Mir’s (2007)

BACHLOR IN SCIENCE - Science - Shah Abdul Latif University Khairpur Mir’s (2003)

INTERMEDIATE - Board of Intermediate Education –sukkur (1999)

MATRICULATION - Board of Intermediate Education –sukkur (1997)