1. Shaikh Tariq Afzal
Citizenship : Canada-Pakistan Date of birth : 07 November 1974
Profile
Sales Executive to Area Distribution Manager
Result driven, enthusiastic and highly motivated skilled banking professional with expertise in Sales & Service Management
over 14+ years of accomplishments and well-rounded experience in Priority Banking, Wealth Management, Portfolio &
Relationship Management, Business development and Team Management while handling a large teams of Branch
Managers, Relationship Managers, Customer service officers & Direct sales channels for Mass Affluent & Retail
segments ,branch network expansion and P&L management of business units with emphasis on cross functional business
for contributing in organization’s overall revenues under the umbrella of Retail / Consumer / Branch Banking for both
multinational & large local banks in Pakistan
Proven track record of developing a self-motivated team through lead by example being role model and sharing best
practices. Uncanny ability to inspire and motivate team to meet and exceed overall business goals and organization’s core
objectives with positive attitude
An ability to work under pressure and always take challenges as an opportunity. Well versed in turn around non-productive
units accentuated by strong implementation of structured sales & service management processes to attain 100%
productivity through effective resource management
Hold the privilege of being recognized and respected as National Top Performer throughout the career and got recognitions
on various achievements from both local and International stakeholders
Contact
Tel : 00-92-42-3573-4577
Mob: 00-92-301-8407677
E-mail : sta-777@hotmail.com
stafzal74@gmail.com
Core Competencies / Areas of Expertise

 People Management / Team Engagement
 Building Customer Relationship
 Negotiations & Analytical Skills
 Mediation & Problem solving
 Operational Controls
 Sales Management Processes
 Performance Management
 Leadership Couching & Counseling
 Maximizing Efficiencies
 Business Development Planning

2. Significant Achievements and Awards
 Won Banca convention being Top Area Manager FY-14
 Countrywide highest growth in CASA deposit of Rs.1Bn FY-13
 Countrywide highest contribution in Banca of Rs.10M FY-13
 Countrywide highest contribution in Mutual Funds FY-13
 Won Banca convention being Top District Manager FY-12
 Formation and structuring of modern Direct Sales Department governed by structured sales management
processes
 Built direct sales CASA deposit book by PKR 3.6 Bn FY 09-10
 Reduced department operating cost by 20% through innovative cost management techniques FY 2009
 Successfully developed & implemented Resource Productivity Analysis (RPA) for identifying
capacity/efficiency gaps which resulted in 100% productivity per resource FY 2010
 Attended ‘Iron Man Global Branch Manager’ Conference Singapore through talent pole FY 2007
 Recognized by business partnerBMA as “Outstanding Sales Performance” Mutual Funds FY 2007
 Best Sales Branch Countrywide FY 2006
 Selected for Iron Man Global Branch Manager Conference Korea being Best Branch FY 2006
 Reorganization letter from Group Chairman and CEO on “1 performance rating” FY 2006
 Electronically recognized from Asia Pacific Head for the “BestProductive” Branch FY 2006
 Awarded-Countrywide Branch CASA sales competition “Kaun Banega Lakhpati” in 2006
 Countrywide Best Sales Person (CRM) FY 2005
 Countrywide Best Sales Person (Liabilities) in 2005
 Countrywide Best Sales Person (Over Draft) in 2005
 Won TALENT award Iron man 2005
 Got recognition letter from Group Chairman and CEO on “1 performance rating” FY 2005
 Countrywide Best Sales Person (PFC Wealth Management) FY- 2004-(SCB)
 Countrywide Best Banc assurance Sales Person FY- 2004-(SCB)
 Got recognition letter from Group Chairman and CEO on “1 performance rating” FY 2004
 Countrywide 2nd Position as Sales Person FY 2002
 Country Sales Person February 2002
 Country Sales Person January 2002
Professional Experience
2002-2015
NIB Bank (Vice President) Nov 2012 to Date
Area Distribution Manager (Retail Banking)
 Looking after Area of 10 branches- Mass Retail segment
 Supervised Area of 8 branches -Mass Affluent segment
 Implementation of structured Sales Management Processes in the branches in its true spirit
 Developing strategic planning to ensure consistent growth both in ETB & NTB business through regular
vintage analysis
 Ensure 100% productivity per resource by improving sales conversion rate through consultative selling
approach
 To ensure compliance and audit procedures have to be in accordance with SBP guidelines
 To ensure profitable deposit mix for the bank remain intact
 To ensure cross-sell targets of Investments,Banc assurance & consumer Assets should be met to enhance
revenue streamfor the Area
 To ensure that department operated at full capacity and ensure to bridge the gap within minimum possible time
through a pool of successors
 To ensure all service indicators must be above than 95% through regular follow up on Mystery shopping results
 Coaching, Counseling and Grooming of branch staff on real time basis during regular visits and meetings
 To ensure branches cash vault & ATM limits should be intact for better cash optimization
 To ensure strong liaison with other associated departments of the bank for effective complaint management
 Adopt different ways of team building to make them self-motivated and engaged
 Strictly adhere merit based reward systemthrough Performance Management

3. United Bank Ltd (Vice President) Dec 2011 to Nov 2012
District Manager (Retail Banking)
 Supervised 16 branches Area with Deposit book size of PKR 10 Billion and Lending Portfolio of PKR 400M
 Implementation of Sales Management Processes in the branches in its true spirit
 To conduct training sessions on latest products and service initiatives for broader customer base
 To ensure compliance and audit procedures have to be in accordance with SBP guidelines
 Developing strategic planning for consistent growth keeping in view the branches potential
 To ensure quality of credit portfolio with lowest delinquency ratio
 To build strong liaison with otherdepartments to flourish cross-boundary businesses
 To ensure profitable deposit mix for the bank remain intact
 To ensure cross-sell targets of Investments,Banc assurance & consumer Assets should be met to enhance
revenue streamfor the Area
 Identification and rectification of gaps to raise sales conversion rates through role plays
 To ensure that department operated at full capacity and ensure to bridge the gap within minimum possible time
 Expansion of branch network by making 2 more branches operational in district under ABEP
 To ensure branches cash vault limits should be intact for bettercash optimization
 To have close liaison with Cash cell in order to ensure smooth functioning and reduce shadowcost
MCB Bank Ltd (Vice President) March 2008 to Dec 2011
Head of Direct Sales / National Sales Manager
(Consumer Liabilities & Cross-Sell)
 Supervised 200 members sales force for profit oriented CASA deposit & Cross-sell to enhance revenue stream
 Alignment of actual position against sales and revenue budgets on weekly basis
 Structuring training programs for creation of cross sell through ‘Feet on Street’ structure
 Improvement of DSR efficiency indicator
 Implementation of Sales Management Process in true spirit
 Identification and rectification of gaps to raise sales conversion rates
 To ensure that department operated at full capacity
 Developing effective sales campaigns and extensive Market storming in branch trade area to boost up seasonal
sales
 To conduct awareness programs for AML/KYC procedures
 Overview of monthly sales compensation structure
 To ensure strong liaison with other associated departments of the bank for effective complaint management
 Design and implement quarterly merit based reward system
 Upbringing of sales force against successfulbenchmarks
 To ensure audit and compliance framework is followed in financial and non-financial procedures
 To conduct quarterly session with direct reports for banking industry overview
Standard Chartered Bank May 2003 to Feb 2008
Cluster Manager/Branch Manager (Vice President) Jan 2006 to Feb 2008
 Supervised three branch cluster with book size of PKR 5 Billion
 Implementation of Sales Process Management in the branches
 To conduct training sessions for latest products and service initiatives for broader customer base
 Ensure compliance and audit procedures in accordance to SBP guidelines
 Developing strategic planning for growth model keeping in view with branch’s potential
 To ensure quality of credit portfolio with lowest delinquency ratio
 To build strong liaison with otherdepartments for cross sell business
 To build profitable deposit mix for the bank
 To look after profit oriented products(Investments,Banc assurance & consumer lending)

4. Standard Chartered Bank Pak Ltd Oct 2004 to Dec 2005
Customer Relationship Manager (Ast. Vice President)
Priority Banking
 Managed a priority portfolio of 2Bn
 Providing effective relationship management to the HNW segment through provision of tailor made financial
solutions
 Courtesy calls/visits on existing clients to achieve not only share of wallet, but also share of mind
 Maintaining close coordination with Operations staff to provide prompt and excellent service to both internal and
external customers
 Cross-selling bank’s otherproducts to enhance the overall profitability of branch
 Ensuring credit portfolio is managed and maintained within given delinquency threshold
 Conducting all sales & service activities within the Risk & Compliance parameters as defined from time to time by
the Bank.
 Updating & maintaining all Sales MIS (Calls, Prospects,New Customers, Attritions,and Sales etc
Monitoring market and competitor activity to ensure opportunities for new customer acquisitions and enhanced
market share in the segment.
 Assisted floor manager in the understanding of processes,systems,and controls, management of sales team, and
preparation for Group Audit
 Exceeded budgets in both deposits and overdrafts by 150%.
Standard Chartered Bank Pak Ltd
Personal Financial Consultant
May 2003 to Oct 2004
 Overachieved budget in deposit growth and profitability through solicit NTB and retain ETB
 Exercised Cohan Brown sales model to effective sales generation
 Provided support & guidance to the sales staff at all levels
 Cross selling of consumer products to enhance the overall profitability of branch
ABN AMRO May 2002 to May 2003
Personal Banking Advisor
 Identified & acquired NTB liabilities & consumer assets clientele
 Generated business through local sales promotion (BTL) & outbound sales calls to existing and potential clients
 Personalized Banking – Analyzed customer needs to provide highest level of customer satisfaction
 Generating sales leads through effective tele marketing
Qualifications, Certifications and Trainings
Qualification
Bachelor of Commerce 1st Div.
Hailey College of Commerce University of the Punjab

5. Certifications & Trainings
 Evaluation of Credit Proposal
 SBP PR’s- Lending Applications
 Documentation In Credits
 UCP-600
 Principles & Forms of Credit
 Interpretation and Analysis ofFinancialStatement
 Balance Scorecard” ofGuru Event Series
 The Relationship Excellence Workshop (REX)
 Sales Leadership Excellence (SLEX)
 Great Managers Training Program
 SBP Prudential Regulations(PR) by In house training
 Priority Banking training program in May 2005
 Successfullycompleted Wealth Management Boot Camp Expert series-1 2004
 Successfully completed courses on KYC and Anti-money laundering
 Distribution of ABAMCO Mutual Funds
 Service Service Service: In-depth analysis of relationship between customer loyalty and satisfaction. An insight
into the importance of developing long-term customer relationships through series of servicing techniques.
 Cohen-Brown: Training on the importance of Time Management in order to provide efficient and seamless
service. Analysis of techniques to enhance sales and portfolio management.
 Synergizing Performance: Emphasis of sharing and delegating work load in order to increase productivity, and
taking advantage of personaland co-worker strengths and attributes.
 Break Through Performance: Proactive approach towards achievement of objectives.
 Creating Magic In Selling: In depth thinking towards innovation; thinking out of the box
Languages
Urdu (native) English (fluent) Punjabi (fluent)
References
Will be furnished when required