Open To Work
Mustafa Khyber
Aarschot
Summary
Dynamic leader with a robust background in regional management, emphasizing team collaboration and results-driven strategies. Proven adaptability to changing needs while maintaining reliability in all situations. Expertise in strategic planning, operational efficiency, and effective stakeholder communication establishes a strong foundation for driving impactful results. Committed to fostering a collaborative environment that inspires teams to achieve excellence and exceed organizational goals.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Regional Manager
OXUS Afghanistan
09.2019 - 08.2024
- Led regional operational strategies to enhance program effectiveness across multiple provinces.
- Developed and implemented training programs for staff to improve service delivery and compliance standards.
- Coordinated cross-functional teams to optimize resource allocation and project execution in challenging environments.
- Analyzed regional performance data to identify trends, driving strategic decisions for program expansion.
- Supported branch teams in achieving business objectives and targets outlined in the business plan, focusing on customer outreach and portfolio quality.
- Monitored team performance to promote efficiency and high-quality service delivery to clients.
- Assisted in providing necessary training for branch employees to fulfill their roles effectively.
- Facilitated communication between teams, other branches, headquarters, and external organizations.
- Represented Oxus Afghanistan in meetings with governmental and traditional officials, MFIs, NGOs, and other stakeholders.
Senior Branch Manager
OXUS Afghanistan
10.2012 - 08.2019
- Supported staff by modeling positive behavior and setting a strong example. Guided branch development in alignment with business plan objectives, focusing on customer outreach and portfolio quality. Monitored team performance to enhance efficiency and ensure high-quality service delivery. Facilitated necessary training for branch staff to fulfill their roles effectively. Promoted open communication among team members, other branches, headquarters, and external organizations. Represented Oxus Afghanistan in meetings with government officials, MFIs, NGOs, and other stakeholders.
- Assisted in managing lending activities of branch. Supported team of loan officers and loan administrators in achieving targets. Maintained quality of portfolio and services provided to customers. Reported performance to headquarters using standard reports weekly and monthly.
- Supported branch operations by overseeing administrative tasks and conducting biannual staff performance reviews to provide constructive feedback. Reviewed and authorized all administrative documents, including contracts for staff, office, and transportation. Collaborated with branch team members to analyze monthly reports and ensure accurate data updates and target adjustments. Monitored adherence to policies and procedures, providing guidance to staff on implementation. Conducted regular staff evaluations and client visits to maintain quality control of information and activities.
- Assisted in managing financial activities of branch office by creating and overseeing branch budget for accuracy and efficiency. Reviewed and approved financial reports to maintain compliance. Supported cash management by supervising physical cash handling and ensuring reconciliations between cash and accounting software were completed regularly.
- Assisted in institutional development initiatives for Oxus Afghanistan. Supported participation in local and international meetings and seminars as needed. Collaborated on audits of field and financial operations.
Branch Operations Officer
OXUS Afghanistan
10.2010 - 09.2012
- Manage all aspects: Accurately input all data into the financial software and produce appropriate monthly expenditure reports. Conduct regular cash reconciliations with the cashier weekly, monthly, quarterly, and annual. Conduct reconciliations between the accounting and the loan tracking software. Conduct monthly bank reconciliations. Track all fixed assets, maintain proper inventory lists, and conduct regular amortization of these assets according to Afghan laws and OXUS Afghanistan policies. Maintain strong cash management checks, including budgeting and projections, to ensure the liquidity of the organization. Ensure to respect the current procedures of OXUS Afghanistan in all transactions, Supervise cashier, check daily cash count report, manual cash books. To maintain bank book. Conduct monthly reconciliations between the accounting and loan tracking software; make sure of the correctness of the data entered by users.
- Produce financial reports: Monthly expense reports and budgeting. Monthly cash requests and expenses to country office. Annual reports.
Credit Officer
OXUS Afghanistan
09.2009 - 10.2010
- Processes new micro loans to groups and individuals: Prospects new customers and assists them during their whole loan application; Ensures that all forms are completed correctly by the clients, with special attention given to the accurate understanding and completion of the Business Profile by each client; Conducts group loan appraisal by collecting detailed information (personal, business, guaranties); Conducts due diligence on all potential individual customers to ensure that their business plans and guarantees are realistic and that the loan amount and term is suitable for them; Gives his opinion during loan committee meetings to decide which groups will receive a loan; Attends the signature of the contract and reads it thoroughly, especially the penalty clause; Opens the loan account of his customers and follows up thoroughly the client relationship; Develops his clientele by marketing and selling individual loans (only if no portfolio at risk).
- Ensures timely repayments for all the loan installments: Ensures a good record of the repayment schedules of all his clients; Makes regular site visits to remind clients of their repayments and to check their business evolution; Ensures that clients reimburse their loans on time and for the exact amount; Follows-up immediately with any client not fulfilling his obligations and charge them penalties; Is directly responsible for any potential late repayment by the clients and works closely with the Loan Administrator or Branch Manager in order to eliminate any portfolio at risk immediately.
Education
Economics
Balkh University
Balkh, Afghanistan02-2021
12th Class -
Mohammadi Sahibzada High School
Peshawar, PakistanDBA - undefined
Capital Institute of IT Management Sciences
Peshawar, PakistanCareer Plus - Career Development Program
Subhash Educational Complex
Peshawar, PakistanEnglish Language - undefined
International Sciences and English Language Program
Skills
- Skilled in using MS Office tools
- Fundamental networking
- Adobe Photoshop
- Adobe Fireworks
- Completed hardware course
- Online research
Certification
All certificates/ degrees are available at the time of interview if needed.
Languages
Persian
Bilingual or Proficient (C2)
Pashto
Bilingual or Proficient (C2)
Uzbek
Intermediate (B1)
Dutch
Upper intermediate (B2)
English
Upper intermediate (B2)
Hindi
Upper intermediate (B2)
Work Preference
Job Search Status
Open to workWork Type
Full TimePart TimeLocation Preference
HybridSalary Range
€45000/yr - €200000/yrTimeline
Regional Manager
OXUS Afghanistan
09.2019 - 08.2024
Senior Branch Manager
OXUS Afghanistan
10.2012 - 08.2019
Branch Operations Officer
OXUS Afghanistan
10.2010 - 09.2012
Credit Officer
OXUS Afghanistan
09.2009 - 10.2010
DBA - undefined
Capital Institute of IT Management Sciences
Career Plus - Career Development Program
Subhash Educational Complex
English Language - undefined
International Sciences and English Language Program
Economics
Balkh University
12th Class -
Mohammadi Sahibzada High School
Personal Email
mustafa.khyber786@gmail.com