Muhammad Usman Email & Phone Number

Islāmābād, Pakistan

Islāmābād, Pakistan

Supervise and Manage Liquidity (funds inflow\ outflow) of bank’s branchless banking agents, franchises, bank’s branches/Centers etc. including Bulk Disbursements, Cash replenishment and Periodic reimbursements. Supervise/Monitoring and reporting to Finance and treasury departments about fund holdings in the Correspondent Banks on daily basis for respective financial transactions. Supervision & Management of E-commerce merchant Settlements within defined TAT and their complain handling including chargeback & reversals. Supervise transfer and disbursement of corporate client’s payment. Supervise uploading and processing of offline corporate client’s billing files in system. Liaison & providing support to internal\ external stakeholders for liquidity management in order to have smooth operations and customer services at all level. Responsible for timely / periodic replenishment of funds for different internal accounts linked with various customer services such as Nano Lending, B2B transactions, G2P Payments, Collection of funds on behalf of customers, Salary Disbursements, Social Welfare Payments, commissions, bonuses & promo disbursement etc.

Islāmābād, Pakistan

Supervise and Manage Liquidity (funds inflow\ outflow) of bank’s branchless banking agents, franchises, bank’s branches/Centers etc. including Bulk Disbursements, Cash replenishment and Periodic reimbursements. Supervise/Monitoring and reporting to Finance and treasury departments about fund holdings in the Correspondent Banks on daily basis for respective financial transactions. Supervision & Management of E-commerce merchant Settlements within defined TAT and their complain handling including chargeback & reversals. Supervise transfer and disbursement of corporate client’s payment. Supervise uploading and processing of offline corporate client’s billing files in system. Liaison & providing support to internal\ external stakeholders for liquidity management in order to have smooth operations and customer services at all level. Responsible for timely / periodic replenishment of funds for different internal accounts linked with various customer services such as Nano Lending, B2B transactions, G2P Payments, Collection of funds on behalf of customers, Salary Disbursements, Social Welfare Payments, commissions, bonuses & promo disbursement etc.

Islamabad

Development and updating MMBL's Risk Register for various functions specifically focusing on conducting Risk control self-assessments respectively and same time updating the control gaps and risk exposures in MMBL's Risk & Controls Universe. Review of Operational activities of various departments including regulatory requirements & new initiatives from start with Risk perspective for controls development and digitization. Analysis of Risk issues vialogical assumptions in support of inclusions in ERM Risk Registers & preparation of Operational Risk MIS in support of the quarterly MMBL Risk profile presentation in collaboration with Internal Control and Compliance for onwards submission to ManCom / Group on quarterly basis to ICRM Group. To assist business units to implement and maintain operational risk management tools to help identifying, assessing, monitoring and controlling operational risk.

Islamabad

Managing the team branchless operations for day to day operations of branchless banking and management of Agent channel with coordination of S&D & MFS team. Implementation of transactional Fee, Commission & Limit structure in system, Preparations of Operations manual and SOPs of various projects for day to day operations & processes /transactions flows. Supervision of Bank reconciliations of correspondent bank accounts & utility billing companies, G2P Payments, Branchless banking system UAT & Supervision of branchless transactions and agents account registration. Preparation of various BRDs for new projects.Management of customer complaints through in-house Complaint Management System - CMS within defined TATs.• Successful pilot and commercial launch of U Microfinance Bank with 300 and 25,000 Agents onboardrespectively for market outreach.• Successful pilot and commercial launch of Upaisa Debit Card as Branchless Banking initiatives.• Successful launch of branchless banking services with NBP, & ZTBL• Successful launch of donation collection services for nonprofit donation organizations like, ShaukatKhanum Memorial Trust, Akhuwat Zakat & Donations, Jabbir Bin Hayyan Donations trust & ShifaTrust.• Successful launch of cash management process with correspondent banks.• Successful launch of disbursement model to cooperate clients for salary disbursement to theiremployees.• Successful launch of branchless banking agent model with exchange companies

Islamabad

• Responsible for the smooth functioning of the Branchless banking operations.• Assist Manager Operations Branchless banking in defining the operating structure, align procedures and streamline workflows that impact operational process.• Opening of Accounts as per defined guide lines, and archiving of approved forms.• Establish branch service level and maintain the service quality for the clients of the bank.• Coordinate end-to-end transactions for all products offered by the Bank.• Creation and Management of all the accounts opened for the branchless banking (L0, L1 & L3) along with the reconciliation of physical account opening forms with the system generated reports.• Ensure compliance with Bank’s policies and procedures as well as SBP/prudential regulations for smooth conduct of Branch less Operations efficiently and consistently.• Relationship with regions to resolve the issues of franchises & retailers regarding transactions or other queries.• To maintain the cash transactions of BB agents through respective channels .• To update the agents regarding modification in BB operations process.• Take ownership of compliance, Audit and self-assessment functions including rectification of all discrepancies. Ensure preparedness of the unit/segment for review and audit by internal/external/SBP Auditors.• Investigate and resolve customer complaints and inquiries as per defined standards highlighted by the distribution channel, Departmental Head and other departments with the view that all the KPIs relating to service delivery are maintained at all times.

Islamabad

Islamabad

• Oversees and participates in security inspections of Hotel.• Develops and periodically monitors a reporting system designed to detect security issues in Hotel. • Makes recommendations to correct security issues once identified.• Participates in providing security for all occupants of Hotel buildings and grounds.• Prevents unauthorized visitors from entering hotel buildings and/or loitering on hotel grounds.• Maintains liaison with police, fire and other municipal departments to insure maximum use of their services in order to provide adequate security and safety.• Prepares reports and assists in special assignments as directed.• Assist in handling emergency disciplinary matters.• Supervises the activities of subordinates.• Assists any persons in building or on grounds needing directions or hotel information.• May assist law enforcement officers with crowd control and surveillance at large public events.

Rawalpindi-Islamabad

• Maintaining and developing relationships with existing customers in person and via telephone calls and emails.• Cold calling to arrange meetings with potential customers to prospect for new business.• Visiting potential customers for new business.• Responding to incoming email and phone inquiries.• Acting as a contact between a company and its existing and potential markets.• Negotiating the terms of an agreement and closing sales.• Gathering market and customer information.• Challenging any objections with a view to getting the customer to buy.• Reviewing sales performance, aiming to meet or exceed targets.• Maintains quality service by establishing and enforcing organization standards.