Muhammad Bilal provides his contact information and career objective seeking a position that utilizes his skills and offers advancement. His academic qualifications include a Master's in Business Administration and Bachelor's in Commerce. His employment history includes positions at various banks such as NIB Bank, Askari Bank, Burj Bank, and Barclays Bank Pakistan handling tasks like clearing, deposits, withdrawals, and card/account services. He provides references upon request.

1. MUHAMMAD BILAL
Father’s Name: Saleem Mushtaq
Contact Number: +92-0333-3458032, 0333-3810214
CNIC# 42201-0859483-3
E-mail: bilalsaleem535@gmail.com
Date of Birth: July 9th
, 1984. Nationality: Pakistani. Domicile: Karachi. Postal Code: 75640
Career Objective
As a bright ambitious person, I enjoy working in a fast paced, highly motivating position where I can assist
others while challenging and expanding my knowledge of the task at hand. I am seeking a position that will
utilize my skills, offer the chance for advancement and allow me the opportunity to gain additional skills and
experience.
Academic Qualification: ____________________________
Master’s in Business Administration
(Majors in Finance) CGPA 3.28, Bahria University (2009)
Bechelor in Commerce
SM Arts and Commerce Government College, Karachi University (2006)
2nd
Division
Intermediate (Pre- Engineering)
ZM Government Science College (2004)
Matriculation (Science)
Progressive Model School (2000)
Employment History____________________________
NIB Bank Ltd (10TH
of July 2015 to Present)
Position: Supervisor Centralized Clearing, Settlements and Term Deposits.
Responsibility of Centralized Clearing and TDR’s Operations at NIB Bank.
Responsibilities:
 Processing of inward clearing (Normal, Same day and Intercity).
 Scrutiny and supervision of Inward clearing and TDR’s within assign limit.
 Term Deposit receipt Booking, Encashment and Rollover processing.
 Prepare tracker of pending TDR’s original requests.
 TDR’s advices send to concern branches for further submission to customer.
 Respond PAN Pakistan branches queries related inward clearing and TDR’s.
 PAN Pakistan clearing settlements.
Askari Bank Ltd (23rd
of December 2013 to 8th
of July 2015)
Position: Cash Officer/ Incharge Cash Department.
Responsibility to manage the Cash Operations at Askari Bank Ltd.
Responsibilities:
 Cash receiving and Payment’s.
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2.  Receiving & Reporting of Utility bills.
 Cash segregation as per SBP requirement
 Coordinate with SBP Audit Inspection team.
 Daily cash balancing.
 ATM balancing and Replenishment.
 Requisition & shipment of cash in case of deficiency/ surplus
 Internal Transfers from Account to Account.
 Process clearing.
Burj Bank Ltd (2nd of August 2012 to 20th
of December 2013)
Position: Head Teller/ Universal Teller
I was work as Operations Manager Burj Bank Ltd, Tipu Sultan Road Branch Karachi, in absence of
Operations Manager.
Responsibilities:
 Perform Cheque;s clearing process. (Normal clearing, Same day clearing, Intercity clearing, OBC and
FOBC clearing)
 TDR’s Booking and liquidation.
 Cash segregation as per SBP requirement & Daily balancing of ATM transaction and Replenishment
of ATM.
 Cash withdrawals and deposits & receiving & Reporting of utility bills.
 ITRS reporting to SBP.
 Requisition & shipment of cash in case of deficiency/ surplus.
Barclays Bank Pakistan Ltd (26th of December 2011 to 31st of July 2012)
Position: Universal Teller
Responsibilities:
 Perform cheque clearing process. (Normal clearing, same day clearing, Intercity clearing, OBC and
FOBC clearing).
 Issuance of Cheque books, ATM Cards, Pins and Account Statements.
 Pay orders, Demand Draft, Call deposits and TDR’s processing and issuance.
 Passing financial entries in system as per authority limits.
 LCY, FCY Deposits, Withdrawal Shipments’ of State bank of Pakistan.
 Reconciliation of Vouchers on daily basis.
 Internal Transfers from Account to Account.
KASB Bank Ltd (Contractual Employee 22nd of February 2010 to 23rd of December 2011)
Position: ATM Card Embossing Officer and Additional Responsibility of Home- Remittance’s &
ATM Reconciliation.
Responsibilities:
 PAN generation and production of VISA DEBIT CARDS.
 Issuance of replacement cards and Destruction of undelivered cards as per policy..
 Maintain return cards MIS on daily basis and Resolve queries of branches regarding cards.
 Resolved complaint received through complaint management unit regarding cards production.
 UAT (User assessment tests) of VISA DEBIT cards.
 Settlement of ATM entries ( Intra bank and other banks).
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3. Deutche Bank AG (2 Months Internship)
Internship tenure complete in Domestic Custody Service Department
Learning and Developments:
 Facilitate foreign customers regarding investment & trade in local share’s market.
 Buying and selling of foreign customers share’s as per instructions.
 Provide advice regarding market behaviors, trends manipulation and best investment opportunities.
 Follow SECP procedures and guidelines for trading.
Skills and Abilities:
1: Strong communication skills
2: Strong negotiation and persuasion skills.
3: Fluency in spoken English, Urdu and command over written English and Urdu.
4: Computer Literacy, MS-Office, MS-Windows and other banking software.
5: Problem Solving Skills.
References:
Furnished upon request.
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