Develop and implement credit policies, procedures, and standards to minimize credit risk.Oversee the corporate lending portfolio, ensuring profitable growth and maintaining strong relationships with corporate clients.Develop and execute credit and corporate lending strategies aligned with business objectives.Evaluate and approve/reject credit facilities, assessing risks and mitigants.Monitor and manage the credit portfolio's performance, identifying areas for improvement.Ensure adherence to regulatory requirements and industry standards.Manage, motivate, and develop a high-performing credit and corporate lending team.Foster strong relationships with internal stakeholders and external partners.Oversee credit analysis, ensuring accurate risk assessments and recommendations.Embrace and implement digital solutions to enhance credit and lending processes.

Nationwide credit processing of potential SME and Corporate clients applying for fleet financing. Built a portfolio of approx. 1.8 billion in 1 year and growing.

Managing team of BROs and SOs to ensure business growth and volume targets for home loan sales including clean renewable energy solutions i.e. solar systems.Manage, maintain, and expand key branch relationships to ensure maximum business growth/portfolio. 137 Million booked.Close coordination with various departments (CCAD, CRCD, Legal, Operations, etc.) for expeditious processing of approvals to guarantee enhanced customer experience for both internal and external clients.

Effective business development through identifying target business sectors related to wood works portfolios.Established and primarily focused on hospitality segments restaurants and cafésManaging progress of long/short term business orders including after sales service projects. 2 million sales booked. Manage efficient operations and cost control for raw and semi-finished product inventory.Attracting sales by focusing on client needs and requirements either established or startups with a spirit of mutual trust and cooperation.

FinTech projects

Effective DFS deployment, Retail/sales channel development, Training, and execution of new DFS products & services in the region. 12K agent base achieved.Promotion and expansion of Digital Wallet portfolio. 2 million targets achieved.Achieve monthly/yearly sales targets, float management, and enhance domestic remittances. Supervising business progress, business visibility, and market intelligence via a team of 19 BDOs.Managed special projects assigned:• DFS integration of Pakistan Vocational Training Council for local VTIs.• DFS establishment for Local Support Organizations partnering with MMBL.• Platform deployment for Engro payments in farmer’s community for NRSP• DFS gateway established for Passport payments• DFS integration partnering with MMBL for various micro financed Loan repayments and disbursements.

Provide assistance to the company CEO & staff with the development of annual plans and evaluations/reporting thereof.Oversee preparation of annual reports summarizing the progress of long/short-term plans.Efficient operations and cost control of all departments and facilities.Working in partnership with contractors & developing a spirit of mutual trust and cooperation.Managing finance & accounts division to maintain proper books of accounts.

Hiring, Managing & Supervising Recovery staff assigned for recovery In-house and outsource i.e. ICIL based at Lahore, Islamabad, Rawalpindi, Faisalabad, Sialkot & Multan.Providing feedback to management regarding market conditions and any developments that might change market trends and or customer behavior.Review the Capacity plan on a monthly basis to ensure adequate availability of resources for the handling of the delinquent portfolio at all times and to constantly maintain a pipeline pertaining to the cash/cheque areaTeam development through documented group discussions based on performance & results, portfolio analysis, process weaknesses, self-assessment issues, etc.Staff Evaluation, counseling, and outsourcing agency evaluations.Ensuring complete financial checks & documentation of settlement cases

Maintained a portfolio of 59.3 million through effective and efficient delinquency management.Analysis of customer profile, financial documents, credit history & credit behavior in reference to avoid/minimize fraud and credit risk. Supervising contractual staff.Approval Decisions based on photo-verifications / Batch sorting and Rejections on SystemPreparation of department related MIS’s. Rejection Review. Approvals Self testing and cross check and updating variations thereof.Complete Processing of Merchant Agreements including NMAS.Preparation of Capacity plans, retention records, RCSA, official documents and department Performance report.Maintaining all official files: decisions, staff, MIS’s, manuals & process flows and updating thereof.Conducted training for new and existing staff at times senior management as well.

Managing & Supervising Recovery staff including team supervisors & tele-callers assigned for recovery In-house..Review Capacity plan on a monthly basis to ensure adequate availability of resources for the handling of delinquent portfolio at all times and to constantly maintain a pipeline pertaining to the cash / cheque areaMaintain a training calendar keeping the shop requirements in view and ensure it is followed.Team development through documented group discussions based on performance & results, portfolio analysis, process weaknesses, self-assessment issues etc.On a monthly basis review and analyze key MIS i.e. net flows, forward flows, WASIS reportTighten controls and ensure safe cash / cheque handling processes.Develop and support fully trained backups to enable smooth functioning of processes in case of an absence / change.Staff Evaluation and counseling.Ensuring complete financial check & documentation of settlement casesDaily call monitoring as per SBP regulations.Preparing RCSA on quarterly/Annual bases and ensuring that department related processes & documentation is complete in all aspects.Review of all accounts randomly to ensure smooth work flow on daily basis through defined work strategy.Ensuring that all daily department functions are completeSupervising MIS staff regarding account allocation, reporting of cleared/settled cases to SBP, Incentive calculations.

Issuing & Acquiring Fraud Cases: ROC retrieval request and TC40 / SAFE reporting of disputed transactions.Identify & Report of suspected POC’s to associations and acquirers.Investigate customers / complaints & merchants plus reporting thereof.TID blockage if fraud to sales ratio is high.Conduct merchant training on regular basis.Information sharing and implementation of recommendations set in fraud forum and associations.Vigilance & Other Tasks:Branch reviews Collections & Recovery reviews & random spot checks of different bank units. Review of CGT to ensure compliance to AML rules.Review of Credit Cards, Personal loans and Auto applications on random before limit sanction / Hand-offs.Fraud awareness trainings and reporting of fraud negative file.Assistance in dealing with law enforcement agencies, banking mohtasib queries & reporting of fraud dispute cases against debit cards/branch accounts to SBP.

Settlement processes (Formulation of letters, SBP reporting, Parking settled/closed cases, monitoring approvals in-place according to delegation matrix and call backs to clients against settlements offered)Complaints resolution (Investigation of customer complaints logged with IMPR / ECCMS through coordination of respective shop)Incentive validation (Validate incentive calculations of collection/recovery unit as per incentive manual/allocation/policy)Repossessed vehicle appraisals (Appraisal of repossessed vehicles through coordination of vendors/appraisal companies for AFS booking, manage & arrange for auction of repossessed vehicles)Sample review of customer contact calls, cash calls and lost/stolen slips monitoring data (recorded/hard copies) provided by shop supervisors on monthly basis.RCSA (Coordinating, cross checking and compiling of data pertaining to self assessment / internal audit of all units and preparing of RCSA report on annual basis and/or as per required)

Hired, supervised & motivated upto 20 salespersons assigned for consumer sales based at Lahore. Constantly striving to provide the best solutions to our clientele. Evaluating & coaching sales staff to grow sales market and increase client satisfaction.Develop & implement sales plans for targeted penetration of the retail market that optimized revenue levels in a saturated market.Coordinate all retail sales and promotional efforts.Supervising and coordinating with processing staff regarding policy matters to bring in potential genuine approvals.

To handle and maintain all the cash requirements of the sites, records of advances, expenses and prepare expense sheets along with trial balances on a daily / monthly basis.Working as a public relation / protocol officer and maintain a complete database of correspondences. Respond as per director’s instructions. To inform director about site requirements, operations and deal with matters related to hiring, training & placement of staff deputed on projects all around Pakistan as instructed by director. To ensure good staff housing, entertainment, security and transportation.

To supervise the preparation and maintaining of income tax ledgers and Income Tax challans. Preparation of I.T statements Quarterly & Annually along with analysis of bank reconciliation statements and rectifications if any.

Preparation of income & expenditure statements. Finance management including direct hire payments, contractors, suppliers payments. Looking after the company’s sales & purchase. Preparation of monthly progress report along with petty cash book.

To prepare and maintain income tax ledgers and supervise preparation of I.T challans, statements Quarterly & Annually along with bank reconciliation statements.Preparation of income statements, finance management and looking after company’s sales & purchase.Dealing with sales & Staff Salary.