Macarr Borlay Kardar

• Resolved customer complaints while prioritizing customer satisfaction and loyalty.
• Took ownership of customer issues and followed problems through to resolution.
• Managed a team of customer service representatives, fostering a positive work environment focused on teamwork and collaboration.
• Reduced customer complaints, proactively addressing issues and implementing effective solutions.
• Trained and regularly mentored associates on performance-oriented strategies and customer service techniques.
• Supervised employees and assessed performances to determine training needs and define accurate plans for decreasing process lags.
• Increased team productivity by providing ongoing training and support to customer service representatives.
• Enhanced customer satisfaction by streamlining support processes and implementing new strategies.
• Facilitated clear communication between departments, ensuring seamless resolution of customer concerns in a timely manner.

• Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
• Maintained friendly and professional customer interactions.
• Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
• Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
• Ensured regulatory compliance through diligent adherence to industry standards, guidelines, and company policies.
• Submitted loan applications to underwriter for verification and recommendation.
• Increased branch profitability by implementing cost-saving measures and streamlining operational processes.
• Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.

• Managed and motivated employees to be productive and engaged in work.
• Accomplished multiple tasks within established timeframes.
• Enhanced customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
• Maximized performance by monitoring daily activities and mentoring team members.
• Controlled costs to keep business operating within budget and increase profits.
• Improved safety procedures to create safe working conditions for workers.
• Developed and executed marketing strategies that effectively communicated brand values, increasing brand recognition.
• Coordinated with IT department to upgrade technology infrastructure, enhancing operational efficiency and data security.
• Fostered partnerships with industry leaders, enhancing company's reputation and creating new business opportunities.

• Developed strong relationships with banking partners for improved service levels and competitive pricing negotiations.
• Safeguarded company assets from potential fraud incidents by implementing stringent security measures across all aspects of treasury operations.
• Maintained adequate liquidity levels through proactive cash management techniques including borrowing under credit facilities or investing surplus funds in short-term instruments when appropriate.
• Contributed to annual budgeting processes by providing accurate projections of interest income, expenses, and capital expenditures related to treasury operations.
• Improved financial risk management by establishing policies, procedures, and internal controls to mitigate potential risks.
• Optimized cash flow by implementing effective cash management strategies and monitoring daily liquidity positions.
• Kept abreast of industry trends and market developments to ensure the organization''s treasury function remained competitive and effective.
• Developed a highly skilled and motivated treasury team through regular training, professional development opportunities, and performance feedback sessions.
• Drafted treasury reports to support management decision-making needs.
• Prepared and presented financial reports to inform senior management and board of directors.

• Ensured compliance with all regulatory requirements, maintaining a safe working environment for staff members at all times.
• Oversaw daily operations, ensuring smooth functioning of all retail departments.
• Developed successful marketing campaigns to attract new customers and retain existing ones.
• Collaborated with cross-functional teams to improve overall performance and achieve company objectives.
• Championed customer-centric culture, empowering employees to provide personalized solutions that exceed expectations while cultivating long-term loyalty among clientele.
• Continuously refined operational processes to support business growth without compromising quality or customer experience.
• Fostered a positive work environment through strong leadership and team building initiatives.
• Interacted well with customers to build connections and nurture relationships.
• Assisted in recruiting, hiring and training of team members.
• Handled problematic customers and clients to assist lower-level employees and maintain excellent customer service.
• Observed each employee's individual strengths and initiated mentoring program to improve areas of weakness.

• Safeguarded company assets from potential fraud incidents by implementing stringent security measures across all aspects of treasury operations.
• Completed journal entries, reconciliations, and account analysis to prepare quarterly financial documents and general account management.
• Projected monthly cash expenditures through efficient budgeting and detailed document reviews.
• Developed strong relationships with banking partners for improved service levels and competitive pricing negotiations.
• Improved financial reporting by creating customized reports that provided actionable insights into cash positions, investment performance, and exposure levels.
• Developed and maintained internal control systems to protect organizational assets.
• Maintained adequate liquidity levels through proactive cash management techniques including borrowing under credit facilities or investing surplus funds in short-term instruments when appropriate.
• Drafted treasury reports to support management decision-making needs.
• Provided valuable insights to senior management on matters related to cash, investments, and risk management for informed decisionmaking.
• Contributed to annual budgeting processes by providing accurate projections of interest income, expenses, and capital expenditures related to treasury operations.
• Managed foreign exchange exposures by developing a comprehensive hedging strategy to minimize currency risks.

MBA, Finance

BBA, Accounting & Management

Certified Accountant