Key responsibilities:
Develop & flourish a fintech startup www.loanasaan.com.
Onboarding partner banks, financial institutions, DFI, MBFIs & other stakeholders
Spearheading financial consultation & facilitation to loan seekers representing Consumer, SE/ME, Commercial & Corporate segment along with Government & SBP announced schemes.
Achievements:
• Partnered with Habib Metro Bank, JS Bank Limited, Dubai Islamic Bank Ltd., Trellis Housing Limited, AA Tracker.
Offering verified & authenticated Leads / Credit Package for MPMG, House Finance, Kamyab Jawan (business feasibility Reports), Auto Finance, Personal Finance & other products).
Facilitated partner banks in booking fresh disbursement worth 200 million.

Key responsibilities:
Managing Corporate, Commercial & SME Portfolio for multiple services.
Managing Credit Risk Managing Services with Banks/ DFI & Leasing Companies

Key responsibilities:
To develop a healthy portfolio by marketing Commercial / Corporate customers offering lending, cash management & trade-based products & services tailored in line to their business model. The focus area in this role entails business development of new initiatives on the Commercial segment of the market with an Annual Sales of PKR 800.0 million to PKR 5.0 billion.
Achievements:
• Marketed and booked New to bank lending relationships offering over PKR 800.0 Million (Funded / Non-Funded limits) having trade volume worth PKR 1.0 billion per annum.

Sr. Relationship Manager – Assets, Commercial Banking – Napier Road
Key responsibilities:
Managed Asset Portfolio for the Commercial Center. The focus area in this role entailed business development of new initiatives on the Commercial segment of the market with an Annual Sales of PKR 800 million to PKR 3.0 billion.
Achievements:
• Built a healthy portfolio mix of ship breaking, trading, manufacturing, processing, contracting businesses operating in the country
• Grew the portfolio from PKR 1.1 billion to 1.6 billion of fund based lending
• Grew the portfolio from PKR 1.9 billion to 2.7 billion of trade business
• New initiatives of PKR 200 million in lending funded portfolio
• Took initiatives for cross sell bank products
• Project lead for digital commercial banking lending solution for online credit proposition
Senior Relationship & Product Manager - Liability Business, Commercial Banking
Key responsibilities:
 Responsible for developing a strategy to grow end to end business of commercial banking segment. Initially by generating business transactional volumes from existing assets relationship and in the second phase to bring in new to bank accounts and to cross sell lending requirements on a need basis.
Achievements:
• To implement this strategy successfully through team leaders and relationship managers, targets were allocated on a country wide basis with regular monitoring in terms of number of accounts and volumes.
• The monitoring strategy introduced healthy competition amongst all the relationship managers across Pakistan, enabling commercial banking to grow its books by 9 billion to 57 billion over a period of 7 years.
• Collection Mandates were structured and implemented across Pakistan bringing in large volumes of business in CASA. Customers like DHA CITY Lahore, DHA City Karachi a collection project generating volumes of PKR 10.5 billion locally and PKR 400 million through international remittance MT-103. Eden Housing Limited was another project with collection volume to the tune of PKR 1 billion. Collection Mandates of K & N Group was also structured and implemented on a country wide basis resulting in generating over a billion rupees in current account.
• New products were introduced / developed to further market the remaining volumes by introducing Electronic Online Waiver of Charges & Cash Pick Services. This also improved generation of hard core current account.
• Represented the Internet Banking Module for business customers from Commercial banking
• Team building Sessions were organized to share experiences to gauge and understand the changing market requirement with its demographics.
Team Leader – Liability Business, Industrial Estate Commercial Center
Key responsibilities:
I managed a team for generating low cost of deposit for the Commercial Center in line to the incremental business targets as signed facilitating the unit’s target for profit generation. The business requirement included market / wallet sizing strategies with a focus on lucrative businesses / industry growth from time to time.
Achievements:
• A strategy was developed to understand the type of industry working in SITE Industrial Area and these companies were further segregated to the type of business they were operating under.
• A Relationship Manager was assigned a task to understand the cash flow cycle and the operations of the industry. The relationship manager mastered that industry and targeted all businesses operating in that industry to market their operating accounts. Like in the confectionery industry, we managed to market Ashraf Products, B.P Industry etc. On the Steel Industry side, we managed to bring in Dada Steel, Majeed Steel, etc. Furthermore, we rejuvenated some dormant businesses of OEM part manufacturer and operating accounts of associations like SITE Associations and their affiliates. Some new to bank relationship on the pharmaceutical industry was brought on board like, BSN Medical, etc.,
• All the above strategy resulted in growth of liability book of the unit from PKR 215 million to PKR 512 million entailing a proportion of 65 % CASA and 35% Term Deposit.

Assistant Vice President, Operations:
Key responsibilities:
• Formulating strategies against competition offered by the peer banks
• Managing marketing and publications of the bank
• Ensuring Compliance & timely submission of circulars issued by Regulatory Authorities
• Supervising Operational issues at branch level
• Monitoring Deposit base at the branches
Achievements:
• Revised the Schedule of Charges for the bank
• Modified the Indicative Profit Rates of the bank
Assistant Vice President - Deposit Mobilization & Collection Business
Regional Business Development Manager
 Key responsibilities:
• Selectively target Cash Rich Industries for marketing low cost deposits
• Management of deposit portfolio
• Marketing of Cash Management Products to existing customers as well as new to bank customers.
Achievements:
• Introduced New to bank portfolio of PKR 1.2 billion Low Cost depository based customers.
• Enhanced existing portfolio by PKR 800 million low cost depository clienteles.

Key Responsibilities:
• Managed client base of 27 multinationals & local corporates
• Collection throughput volume of PKR 35 billion annually
• Managed deposit base of PKR 6 billion annually
• Developed collection and payments solutions for new clients
• Building the existing deposit base
• Cross selling of existing product offerings
• Product Implementation and Solutions
• Monthly Revenue Reporting for Cash Management
• Managed Initial Public offerings for multinationals & local corporate(s)
Achievements:
• Grew Annual Collection Throughput Volume by PKR 5 billion enhancing revenue stream of PKR 15.0 million.

Key responsibilities:
• Product Development, Proposal Drafting, Project Implementation, Developed & Implemented Billpay Kiosk for collections of utility Bills at Shell Askari Fuel Station,
• Beta Testing of Software Developed for Billpay, Trained operational Staff for handling Billpay Collections

Key responsibilities:
• Credit Card Customer Services, Branch Banking Relationship Management, Complaints Handling and Resolution, Online Transaction Processing, Information Database Management & Cross -sell Acquisitions.