IRSHAD ALI YAFTALI

Father Name:        Amir Ullah Khan Yaftali
Date of Birth:        02th April 1983

NIC No:                15202-4444942-9

Marital Status:       Single

Domicile:              Chitral KPK

Qualification:        Master of Commerce (3.5CGPA)

Mobile No:            0333-9313957

Office No:             0943-414571

Postal Address:         United Bank Ltd 3A3 Park Avenue Road near Schaheen Chemist University Town Peshawar.

Email ID:                   [email protected]

Objective: –

To work with dedication and commitment in a dynamic organization where I could apply my skill and learning in a challenging and rewarding environment.

Profile

Serve as a professional over more than 12 years+ experience in the field of banking or financial Industry and my experience demonstrates my professional competence, innovation, and strategic planning skills including aggressive & proactive strategies to capture market in best possible way. As part of my experience I have demonstrated my effectiveness, efficiency to achieve all allotted targets.

Skill summary

Managerial skills.
Sales and provision Cash Management facility to corporate sectors.
Sales Islamic Banking products and look after Islamic financial portfolio in asset side.
Cross sale and consumer products (Special focus on Banca, Credit cards, cash plus etc)
Ability to meet all allotted quarterly and annual targets.
Accounts and budgetary control
Providing new cliental (NTB and meeting with existing clients)
AML/CFT/KYC/CDD implementation
Implement SBP Prudential Regulation and SOPs
 

Professional Experiences

Presently Working as Branch Manager  (Assistant Vice President-1) The Bank of Khyber Islamic Banking branch Peshawar  Region

Status of Job:                         Permanent
Designation:                           Branch Manager

Grade                                     (Assistant Vice President-1)

Duration:                                30th October 2019 to till date.

Previous Organizations/ Banks Professional Experiences:

Designation:                            Branch Manager (Officer Grate-1)

Location:                                 UBL University Town Branch Peshawar

Job nature:                               Permanent

Duration in UBL:                29th June 2016 to October 2019

Major Responsibilities

§  Effectively manage and control over all branch affairs, sales work force  including development of business achievement  growth targets of deposits, car Ijara , credit cards, Banca Takaful assurance Assets and Mutual Funds products;

§  To provide smooth services to customer and attend their queries and complaints well in time.

§  Arrange meeting with ETBs and NTBs for marketing of Islamic deposit, finance, retail banking products and special focus to Banca Takaful, Islamic investment and foreign remittance etc.

§  To achieve liability business targets with special emphasis on CA, CASA and Core deposits;

§  Thorough knowledge of competitors, regulatory requirements, banking operation and controls business relationship management skill;

§  Implement cross-sell liability and asset products

§  Take active participation in Deposit, banca and Drive mobilization campaign and developing branch business portfolio in both general and corporate sector.

§  Periodic Review of Islamic finance i.e , DM Murabaha, consumer Murabaha Finance, Car Ijara and Agriculture finance etc

§  Enhancing trade and credit/ financial facilities to customer’s i.e. ABF/ RF finance, LG’s or FLG etc.

§  Evaluation of entire staff regarding efficiency skills and credibility and initiatives marketing guts and customer services etc.

§  Controlling and implanting administrative affairs etc.

§  To establish culture and working environment that retain and motivates the highest caliber of skilled professionals

§  Participate various loyalty Drive campaign during tenure ship to bust-up and enhance business growth.
 

Joined Allied Bank Ltd as Management Trainee Officer (MTO) on 01st July 2007 and Received comprehensive 03 Months institutional and branch training at NIBAF Islamabad, related to core and general baking, SBP prudential regulation, account opening process, financial and audit, risk review control, AML etc.

Designation:                             Branch Manager (MG-10)

Location:                                  ABL Cantt branch Peshawar Saddar

Job nature:                                Permanent

Duration in ABL:                     March 2010 to June 2016

Designation:                             Branch  Operation Manager (MG-10)

Location:                                  ABL Bara Gate Peshawar

Job nature:                                Permanent

Duration as OM                       1st August 2007 to March 2010

Job Responsibilities:
Supervision of all operational works with proper management control keeps in view office decorum and discipline.
To ensure Internal controls and complains of banks SOPs/ SBP regulations of AML/CFT implementation in branch banking
Strictly Implement SOPs and SBP regulations for opening of new accounts of Companies, i.e public and Private limited companies, autonomous bodies, Govt, Institutions, corporate sectors NGOs, NPOs  or individuals.
KYC/EDD/ enhancement and resolution through Dash board.
Supervision of all types of vouchers including Inward and Outward Clearing i.e. Local, Intercity, Same day, OBC and IBC
Financial and budget control as per organizational instruction and SOPs.
Issuance and Payments of DD’s, PO’s, CDR’s and TDR through proper checking
Create Customer Profile for opening of new accounts and maintenance of neat and clean files.
Opening of new account with minimum discrepancy.
Upload all scanned documents to Central Processing Unit (CPU) through proper review and checking
Focus on Customer service, providing value added services to customer along with new products and timely manage customer queries and complaints.
 

Achievements/Professional Skills & Trainings:

Qualified all 4 quarter PAM (Performance Appraisal Module) of 2018 and 3 consecutive quarter PAM 100 and also awarded 07 certificate of appreciation of different categories i.e. highest average growth in Deposit(CA, CASA and Core) consumer product(Credit cards, Cash plus Drives), Mutual fund and Banca assurance.
Attend one day in-house training regarding “Workplace Harassment” on 24th Oct 2018. This in-house session was useful for employees at all levels and help employees know about their rights and possible actions that they need to take in case of any kind of harassment related sufferings, discrimination, isolation or mistreatment by any of their colleagues’.
Attend one day comprehensive in house training on AML/CFT and implementation of FATF on 17th February 2018 at UBL RHQ Peshawar.
Attend one full day training on “License to Serve” an excellence to customer on 09th October 2017 UBL RHQ Peshawar.
Received two days comprehensive training session on RAMS (Risk Assessment and Management System) and LOS for initiating new or existing CA’s to individual, sole proprietor or corporate RF or ABF sector loan/credit facilities on February 2016 at MDC Islamabad.
Attend different seminar and training regarding prudential regulation of state bank and SOP at Management development center Islamabad.
Attend comprehensive training session on Risk Assessment & Management System – Loan Originating System demonstrated conducted by CRBG at MDC Islamabad on 28th July 2015. The prerequisites for developing the loan cases were also discussed. The steps and procedure of inputting the complete detail of the obligor were explained briefly.
Awarded best performance certificate “pride of north” in 25% and above CASA growth competition 2011.
Ability to prioritize and meet tight deadlines
Willingness to work under pressure and with flexibility
Demonstrated ability to be a team player and work cooperatively
Received training of “ADVANCE COMPUTER COURSE” from 07th to 11 April 2008
Academic Qualification:

S.No
Qualification
Subject
Institutions
Division/CGPA
1
M.Com
Accounting/Finance
University of Peshawar
3.5 CGPA
2
B.Com
Accounting
University of Malakand
2nd Division
3
D.Com
Accounting
BTEP
2nd Division
4
SSC
Arts, Gen Science
BISEP
1st Division
 

Languages

English     speaking, understanding & writing                             fluently
Urdu        speaking, understanding & writing                              fluently
Pashto     speaking & understanding                                              fluently

References

Dr. Inayat Ullah Faizi

Columnist

The Daily Ajj

Cell No.0335-9186303

Dr. Badshah Munir Bukhari

Project Director

University of Chitral

Cell No. 03005875119