Usama Rauf

A results-driven Finance and Banking graduate with demonstrated excellence in Islamic banking, business development, tender management, and sales strategy. Combines strong academic grounding in financial markets and customer relationship management with hands-on experience converting leads into long-term business partnerships. Recognized for exceeding targets ahead of schedule and maintaining full Shariah compliance — driven to create measurable value in competitive financial environments.

Personal Banker at Meezan Bank Limited (2025-09 – 2026-10)

Accomplished and strategically minded Personal Banking Officer with a robust background in retail banking operations, high-value relationship management, and financial portfolio optimization. Deployed deep market intelligence and financial analysis to manage millions in assets, consistently outperforming quarterly sales and deposit targets. Highly proficient in risk mitigation, regulatory compliance, and strict adherence to strict anti-money laundering and Know Your Customer frameworks.

Recognized for designing customized credit, and investment strategies that safeguard client assets while maximizing institutional revenue.

Head Teller at Meezan Bank Limited (2022-06 – 2025-09)

Performance-driven Head Teller with a strong background in relationship banking and financial product cross-selling. Expert in managing high-volume cash transactions, resolving complex customer escalation issues, and identifying client needs to refer loans and investment services. Recognized for consistently leading the branch teller team to exceed quarterly referral goals while maintaining compliance accuracy while delivery high customer satisfaction while also reducing cash balancing discrepancies and errors.

Internship at Ghazi Real Estate (2021-11 – 2022-04)

Accurately managed and updated property listings, client details, transaction records, and inventory data including pricing, availability, and location across the database. Verified and cross-checked property agreements, lease contracts, and ownership documents to ensure full accuracy and compliance. Generated regular performance reports on property listings, client leads, and sales outcomes, strengthening data integrity and operational efficiency.

Graduation in (SCIENCE) Commerce in Finance & Banking – PMAS Arid Agriculture University Rawalpindi (2017-10 – 2021-08)

Higher Secondary School Certificate in ICS(Computer Science) – Punjab College (BISE) Rawalpindi (2015-04 – 2017-08)

Secondary School Certificate in Computer science – Divisional Public School (BISE) Rawalpindi (2013-02 – 2015-03)