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Work experience

Nov 2014Present

Assistant Mortgage Broker

Loan Market

• Entering of loan applications into database & lodgement system for directors and broker team.

• Compiling and submitting supporting documentation to the lender.

• Completing and securing compliance documentation.

• Liaisoning with client, lender and business for file management and follow ups.

• Managing client relationships (pre & post settlement, ongoing marketing).

• Performing general office duties and assisting Directors in adhoc tasks.

• Managing social media content and account for Directors.

• Monitoring of Net Promoter Score (NPS) client survey.

Jan 2013Jul 2014

Senior Operations Officer


• Improved branch audit rating from B+ to A through customer data cleansing-profile updating on an ongoing basis and implementation of internal control and regulatory policies.

• Reconciled pre-identified discrepant transactions in coordination with relevant stakeholders.

• Led and supervised Business Continuity Process as per internal policies.

• Supervised corporate term loans in line with internal policies.

• Inspected documents involving high value transactions and their reporting to higher offices.

• Providing quality customer service to corporate customers of the bank under" One Bank, One Team" initiative.

• Liaised with internal auditors to improve control environment, minimizing operational risk.

• Compliance of audit discrepancies, if any, and internal/regulatory circulars.

• Submitted operational and credit reports to higher offices on a regular basis.

• Managed branch's safe custody items as per policies of the bank.

Jan 2009Dec 2012

Manager MIS & Coordination


• Increased market share of the bank in corporate trade and credit sector through playing active role in setting 5 year strategy in liaison with business teams.

• Prepared budget and financial reports for corporate banking in liaison with business teams.

• Developed and maintained a centralized customer MIS, using MS Excel and Oracle based models, on an ongoing basis to resolve data integrity issues and provided timely financial and management reports to senior management.

• Performed internal control and pre-audit activities for corporate business teams.

• Identified gaps in reporting processes and initiated business process re engineering in line with internal policies of the bank.

• Assisted in automation process of reporting to increase operational efficiency by performing BPR for credit approval process for corporate customers.

• Coordinated with business teams regarding any operational, regulatory and control issues.

Jul 2007Dec 2008

Relationship Manager-Assets


• Looked after a credit portfolio of PKR 400Mn with more than 30 commercial clients.

• Prepared, processed and recommended credit proposals for marked and existing clients.

• Identified suspect transactions and took proactive measures to avoid non performing loans.

• Provided first class and proactive customer service to loan based clients and consistently maintained 100% loan recovery ratio.

• Provided custodial services and managed collateral against secured financing.

• Performed credit covenant control and documentation for corporate clients.

• Independent stock inspection of existing borrowers in line with standard operating procedures.

• Prepared monthly stock and other credit portfolio related internal and regulatory reports.

• Monitored and minimized credit portfolio related irregularities in coordination with higher offices and customers.

Jan 2006Jun 2007

Relationship Officer


• Looked after a commercial credit portfolio of PKR 75Mn. Managed a 100% credit recovery ratio through effective follow up and liaising with clients.

• Provided outstanding customer service to asset and liability based clients.

• Processed inward and outward foreign remittances and reporting thereof as per regulatory guidelines.

• Built strong relationships with customers to ensure recurring business.


Jan 2011Jun 2011

Certificate courses

University of South Australia

Completed two certificate courses of Accounting Theory and Auditing Practice

Aug 2003Dec 2006


Mar 2001Apr 2003


University of Karachi
Aug 1998Nov 2000

Higher Secondary Certificate

Government College of Commerce


CA Foundation

Institute of Chartered Accountants of Pakistan
Attained Certificate of Foundation in 2003.



Will be provided on request


Social Media
Relationship Building

Voluntary Social Media Manager

I have been providing voluntary social media promotional services to a social organisation working for the welfare and economic empowerment of youth in Pakistan. Have been able to obtain 2000 likes and followers in 1 year on their Facebook pages.


I have successfully served in a leading commercial bank of Pakistan for 10 years on different positions while managing liabilities (deposits), assets (credits), operations, customer service, core banking, risk, reporting and analysis. During this period, I had continuously been promoted by the bank, whereby adding to my responsibilities and potential to serve even better. I am an effective and objective communicator and believe in intelligent team work to achieve organizational goals.