CV Khurram Updated

CURRICULUM VITAE
OBJECTIVE
To be part of a progressive organization, where I can get opportunities for professional as well as
personal grooming and to contribute positively towards achieving the cherished goals of the
organization.
PERSONAL PROFILE
Name: Muhammad Khurram Shahzad

Father’s Name: Talib Hussain
Address: House No. 50, Street No. 4, Jinnah Road, Pindi Rajputan, Kot Lakhpat, Lahore.
N.I.C: 34402-1726218-5
Date of Birth: 12-June-1977
Marital Status: Married
Phone No: 0333-4426358
EDUCATIONAL PROFILE
2008 B.A Punjab University, Lahore.

1999 BCS American College of Computer Science, Lahore.
1995 I.COM Govt. Hashmi Memorial College of Commerce, Lahore.
1993 Matric Board of Intermediate & Secondary Education, Lahore.
EXPERIENCE
October 2006 to 31st March 2020:
Disputes & Chargebacks, Consumer Finance Center, Bank Alfalah, 23-H, Gulberg II, Lahore.
JOB RESPONSIBILITIES:
Strategy Implementation
Contribute to the development of the Consumer Finance Operations’ annual plan to ensure that the activities and plans
performed by the function are aligned to the group’s strategy and plans.
Monitor the performance of Disputes & Chargebacks Department and prepare periodic reports on its overall performance
to ensure deviations are identified, reported in a timely manner and that actions are adjusted to achieve “annual action
plans”.
Day-to-day Operations
Manage the day-to-day operations of the Disputes & Chargebacks Department. Providing guidance in the related area,
encouraging teamwork, and facilitating related professional work processes in order to achieve high performance
standards and ensure that employees’ activities are performed in a timely, efficient, and effective manner.
Report to the Manager Card Operations on regular basis on operational activities of Disputes & Chargebacks Department,
challenges and issues which are being faced, mitigations measures taken etc., as required to keep management informed
and updated on the function’s activities.
Budget Preparation and Control
Contribute to the preparation of Disputes & Chargebacks Department’s budget and monitor the financial performance of a
given area of activity versus the set budget to ensure alignment with set budget guidelines.
Job Specific Accountabilities
 Supervise and guide Disputes & Chargebacks Department’s Team for error free and timely processing of disputes
and chargeback cases
 Lead the way to handle customers’ disputes and queries to ensure entire satisfaction and retention of our
cardholders and merchants
 Ensure the processing of disputes and chargebacks in accordance with the procedures, rules and regulations set
by Card Schemes to avoid financial losses to cardholders / merchants and / or to the organization
 Keep the team updated and record changes / amendments implemented by Card Schemes from time to time to
eliminate obsolete processes and adapt new methods to handle the disputes
 Recommend improvements to departmental policy and ensure the implementation of procedures and controls
covering all areas of Disputes & Chargebacks Department; so that all relevant procedural/legislative requirements
are fulfilled while delivering a quality and cost-effective service
 Drive the identification of opportunities for continuous improvement of systems, processes and practices within
the function; considering ‘best practices’, improvement of business processes, cost reduction and productivity
improvement.
 Perform additional duties in line with the current role, as and when required by the senior management of
Consumer Finance.
Job Specific Skills
 Familiarity with Visa Resolve Online, VCR- VISA Claims Resolution (Dispute Resolution System)
 Visa Operating Regulations and Dispute Rules
 MasterCard Connect, Master Com (Dispute Resolution System)
 MasterCard Chargeback Rules
 UnionPay International - CDRS (Cross-Border Dispute Resolution System)
 UnionPay International Operating Regulations
 American Express Knowledge Base (Dispute Resolution System)
 American Express Business Operating Policies including chargeback policies
 1-Link – Pay Pak Dispute Resolution Rules, SDRS – Switch Dispute Resolution System
Behavioral Skills
 Understanding Disputes & Chargebacks

 Communication
 Leading from the front
 Team Player
 Dispute Resolution
Salient Achievements and Projects
 Lead the way to Migrating Bank to Visa Claims Resolution (VCR) from legacy host-based dispute resolution process
 Adapt Migration to MasterCard Claims Manager from legacy host-based dispute resolution process
 Contribute in developing and Implementation of across Bank Dispute Resolution System (PIBAS) to lodge claims at
all front desks including branches and call centers
 Attended VISA training workshop at Dubai - “Understanding Visa Claims Resolution (VCR) Dispute Rules”
 Best Performance Awards in Consumer Operations Category
February 2006 to October 2006
Risk Management Unit, Bank Alfalah Limited, Consumer Finance Center, Lahore on temporary basis for a specific task.
Job Responsibilities:
 Updating the data base for Credit Cover Premium Forms received from all Card Centers
 Verification of the signatures on the Forms
 Keeping record of the Forms and sending them to Warehouse for storage
December 2004 to January 2006:
Siara Textile Mills (Pvt.) Ltd. 316, G/3, Johar Town, Lahore.
 Maintaining all Office Correspondence Record.

 Preparing quotations and proposals.
May 2000 to December 2004:
Javed Hashmi Law Associates, 1/5 Turner Road, Lahore.
 Preparing Income Tax Returns.

 Preparing all kinds of Appeals, Writs, and Applications relating to Income Tax Case Filings.
 Responding to Income Tax Notices on behalf of the Clients.
April 1999 to March 2000:
House of Pakeeza Restaurant, Petaling Jaya, Kuala Lumpur, Malaysia.
 Working on Cash Counter.

 Booking the orders and reservations.
 Maintaining Bank Accounts of the Restaurant.

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CURRICULUM VITAE

Name: Muhammad Khurram Shahzad

2008 B.A Punjab University, Lahore.

October 2006 to 31st March 2020:

Job Specific Accountabilities

Job Specific Skills

 Understanding Disputes & Chargebacks

Salient Achievements and Projects

December 2004 to January 2006:

 Maintaining all Office Correspondence Record.

May 2000 to December 2004:

Javed Hashmi Law Associates, 1/5 Turner Road, Lahore.

 Preparing Income Tax Returns.

April 1999 to March 2000:

House of Pakeeza Restaurant, Petaling Jaya, Kuala Lumpur, Malaysia.

 Working on Cash Counter.

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