Ali Kausar
Branch Manager – SM II
Finance & Banking
Professional Summary
Experienced banking professional with over 12 years of expertise in branch management, retail banking, SME lending, and client relationship management. Proven ability to lead branch operations, drive business growth, and deliver high-quality financial services. Skilled in credit risk assessment, Islamic banking, and MIS reporting, with a strong track record in sales and customer service. Certified Islamic Banker (IBC) from the International Institute of Islamic Banking (IIIB), bringing strong leadership and strategic management experience from leading banks in Pakistan.
Professional Experience
Jun 2022 – Present
Branch Manager
Habib Bank Limited (HBL)
- Lead overall branch operations including deposits | advances | and customer services.
- Drive business growth by meeting sales targets for deposits | loans | and cross-selling financial products.
- Ensure compliance with regulatory and internal banking policies.
Jan 2021 – Sep 2023
Area Manager (CRBG) & Branch Manager
Soneri Bank Limited
- Managed multiple branches
- overseeing sales targets and operational excellence.
- As Branch Manager (Qasimabad) | led branch performance in deposits | SME financing | and customer service.
- Served as Relationship Manager SME | managing small and medium enterprise portfolios with a focus on financing and credit risk management.
Aug 2013 – Oct 2020
Assistant Manager
Meezan Bank Limited
- Supervised CAD (Credit Administration Department) operations at Hyderabad Hub.
- Ensured accurate documentation | compliance | and disbursement of loans.
- Monitored credit risk | collateral | and post-disbursement compliance.
Education & Certifications
Academic History
Master of Business Administration (MBA), Finance
University of Sindh, Pakistan
(2010 – 2012)
Bachelor of Business Administration (BBA)
Institute of Modern Science and Arts, Pakistan
(2007 – 2009)
Professional Certs
Core Competencies
Branch Banking Operations
Branch and Area Management
SME Lending and Credit Risk Assessment
Islamic Banking Practices
Relationship Management
Sales and Business Development
Payments and MIS Reporting
Staff Training and Leadership