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Work experience

Feb 2014Present

Regional Manager Business Development

Meinhardt Pakistan Pvt Ltd

Identifying potential clients to seek profitable business opportunities in terms of engineering design & technical services. Enhance business prospects of the company by tapping new clients. Kept a close liaison with government departments and private companies. To ensure, relevant departments timely submit reports/information for bidding in tenders. Arrange business meetings with clients for the presentation of projects. Work closely with technical staff and other team members to assess client's needs/requirements to enhance existing relationships. Submit weekly progress report to the Directors so as to keep them informed of all professional, administrative, financial and other operational matters.

Jan 2012Feb 2014

Branch Manager

United Bank Ltd

Achieved branch core deposit targets through new business sales, referrals and retention of account relationships. Effectively utilized operational and sales staff to achieve consumer and insurance targets. Pursued and achieved the assigned sales targets. Addressed and resolved customer complaints amicably.

Aug 2011Dec 2011

Manager Operations

Askari Bank Ltd

Managed daily operational and financial activities at branch having deposit of Rs. 600-650 Million. Directly reporting to Vice President/Chief Manager of the branch. Managed administrative and operations staff of 16 and monitored work flow between the departments. Managed to reduce the turnaround time of customer transactions & customer retention. Addressed customer issues and complaints. Conducted monthly staff meetings to discuss/resolve issues pertaining to operations and staff matters. Kept a close check on expenses in order to reduce the branch expenditure.

Feb 2008Aug 2011

Senior Relationship Manager

Askari Bank Ltd

Promotion and sales of financial services to corporate, commercial & SME customers. Performed in-depth financial analysis and credit risk assessment of new customers. Analyzed and reviewed credit information in order to determine risk involved in lending. Issuance of bank guarantees on behalf of valued clients. Drafted and recommended credit proposals of all the customer segments. Well versed with the State Bank of Pakistan's prudential regulations for lending. Supervised & processed customer data in Electronic credit information bureau(e-CIB) on monthly basis. Preparation and reporting of credit statements to head office.

Jan 2007Feb 2008

Relationship Manager Consumer Banking

Askari Bank Ltd

Consumer Banking Analyzed credit information in order to determine risk involved in lending. Assess the overall credit worthiness of various clients. Performed debt burden ratio and financial analysis. Monitored disbursements, periodic reviews & repayment of installments. Supervision of cash advance on credit cards and payment of bills on daily basis.

Jun 2006Dec 2006

Askari Bank Ltd

Askari Bank Ltd

Provision of Debit cards to customers. Lodgement & collection of outstation cheques presented by customers. Handling of inward bills and providing proceeds on timely basis for smooth operation.



Mar 2006Jun 2006

Area Operations Officer

Bank Alfalah

Co-ordinated with Branch Managers of nine branches for various Operative and Administrative issues. Kept a close liaison with contractor for setting up new branches. Scrutinized various accounts maintained at branches and obtained legal vetting. Procured office equipment for all the branches. Assisted in promotional and advertisement related affairs pertaining to North region. Ensured that the branches complied with instructions issued by SBP/Head Office.

Nov 2001Apr 2005

Customer Services Officer

Khushhali Bank Micro

Conducted initial situation analysis, mobilizing people to form credit groups. Extended loans Agriculture, working capital, Asset purchase & Livestock. Approved loans on basis of cash flows and credit scoring. Disbursement and recovery of loans. Conducted regular field visits to ensure proper utilization of loans. Coordinated with government departments to arrange vocational trainings for credit groups.

Acheivements

  • Achieved December in June 2013 core deposit target at UBL as Branch Manager.
  • Achieved December 2012 core deposit targets at UBL as Branch Manager.
  • Achieved December in June 2012 core deposit targets at UBL as Branch Manager.
  • Achieved March Masters core deposit campaign 2012 at UBL as Branch Manager.
  • Supervised consumer portfolio of more than 380 Million (2007) Askari Bank Ltd.
  • Achieved deposits target for consecutive three years (2008 – 10) Askari Bank Ltd.
  • Achieved advances target for consecutive three years (2008 – 10) Askari Bank Ltd.
  • Achieved annual sales targets by disbursing micro credit loans of Rs.12 million. (2005). Khushhali Bank

Education

20042006

Masters of Business Administration

University of Peshawar, Pakistan.

Majors in Finance

19962000

Bachelors of Engineering

University of Engineering & Technology, University of Peshawar, Pakistan.

Trainings/Certifications

Apr 2012Apr 2012

Retail Bank Certification Program

United Bank Limited, Learning & Development Center, Islamabad
Jun 2011Jun 2011

Bank Guarantees

Askari Bank Limited, Training Academy, Rawalpindi, Pakistan
Feb 2010Feb 2010

Asset Backed Financing

Askari Bank Limited, Training Academy, Rawalpindi, Pakistan
Nov 2009Nov 2009

Managing problem loans portfolio

Askari Bank Limited, Training Academy, Rawalpindi, Pakistan
Mar 2009Mar 2009

Risk Weighted Assets

National Institute of Banking & Finance, Islamabad, Pakistan.



Aug 2008Aug 2008

Comprehensive Credit Management

National Institute of Banking & Finance, Islamabad, Pakistan.
Feb 2008Feb 2008

Credit Documentation

Askari Bank Limited, Training Academy, Rawalpindi, Pakistan


Apr 2007Apr 2007

State Bank Of Pakistan's Prudential Regulations

Askari Bank Limited, Training Academy, Rawalpindi, Pakistan

Prudential Regulations for Small & Medium Enterprises, Corporate/Commercial & Consumer Financing

Nov 2001Nov 2001

Training on Effective presentation & Communication Skills.

Institute of Rural Management, (National Rural Support Program), Islamabad.

Address

Address: Pine Villa 30-C, Street 43, Margalla View Housing Scheme, D-17/2, Islamabad, Pakistan.

contact

+92 333 9590508, +92 300 9590508, +92 51 2229725