Taken on the challenge of transforming a traditional bank into one connecting with its customers digitally-hence an array of efforts being made in terms of multiple projects running simultaneously with a singular objective of “Getting closer to the customer”"Building a National Transformational Asset–Cashless Ecosystem/Smart Housing (Project by Karandaz, funded by Gates Foundation)"Karandaz floated an EOI for a pilot to construct Cashless Ecosystem to create smart Housing Societies. Askari Bank faced established banking giants & agile Fintech disruptors, including the largest Telco-led Fintech consortium bolstered by one of the Big Four audit firms. Post extensive evaluation, Askari Bank awarded with the project leading towards nationwide scale Potential impact is transformative with complete digitization of Resident’s relationship with Society Management, conversion of retail transaction & education institution, effectively eliminating analogue interfaces & propelling Pakistan towards more efficient & secure financial future1. Constructed first ever “Technology Group” comprising ITG, Digital Banking & Information Security-jointly formulated Digital Agenda of the Bank2. Partnering with Academia-NCAI for development and integration of generative AI bot3. Quick Turn Around of Askari Mobile App–Reflection of Un-reasonable hospitality on customer engagement4. Digitization of payments at Combined Military Hospitals5. Revitalization of Transaction/Employee Banking–200% growth in Transaction Banking throughput6. Reshaped Digital Strategy with more tactical orientation & strategic alignment7. Established a cutting-edge Digital Lifestyle Branch at Kakul Academy8. Revamped Askari Digital Innovation Lab at NUST9. Rolled out Virtual Reality based banking experience–connecting with the mobile first generation10. First-ever Data Strategy at enterprise level11. Built Digital First Machine Learning Models for customer retention, acquisition, cross-sell, up-sell

 On account of a massive and quickest turn-around, HMB Digital Banking has leapfrogged into leading the industry in terms of payment innovation  HMB Mobile App remained customers’ first choice on account of Industry Highest Rating all across year 2022/23 – (Recognized by KPMG & many other Digital Forums) HMB Mobile App is a true reflection of Un-reasonable Hospitality – a different league of customer engagement Launched Industry First Business / Corporate Debit Card – serving the most critical segment of the economy with payment innovation o Also unique in the industry with first ever Commercial Solution Design Launched Industry First Metal Debit Card, meant for customer with a persona – That entailed setting up a completely new infrastructure to support metal card production in Pakistan – industry is now benefitting from it Led the construction of solution design of AI based SME Lending and collaborating with related functions for implementation Spearheading deployment of Tokenization & Digital Card program  Complete Restructuring of Operations and Risk Functions to the strength to support hyper scale Enterprise level Digital Transformation across Consumer, Retail, Commercial, SME, Corporate, Employee & Transaction Banking Provided direct support to Digital Banking function of Habib Bank AG Zurich (International) for strategy making and execution Worked with Board and its Committees for strategy formulation, execution and progress tracking Launched WhatsApp Banking  Turned around HMB Digital Banking into a profitable business with 60% increase on the top line Generated new income streams on account of Business / Corporate Debit Card and Platinum Debit Card

 Managed approx. 15% of digital payments of Pakistan by virtue of authoring initiatives having industry-wide impact, with active participation in consultative/industry thought leadership/strategic groups formed by SBP, Karandaz, Gates Foundation and American Economic Forum Led Digital Banking Scope across:  Mobile Banking - Internet Banking - Branchless Banking - Debit Cards - Loyalty & Alliances - e-Commerce - Card Acquiring - MCB Contact Center - Digital Marketing - Operational Risk & Compliance - ATMs & CCDMs Network - Digital Strategy – Cross-Sell Initiatives  Led first Digital Platform / Technology Stack Acquisition Project by MCB Financial Performance & Achievements Business posted the highest ever profits in history of MCB of PKR 2.05 Billion for the year 2020  Profitable merchant acquiring business in 2020 for the first time in history of the Bank 65% of bank’s transactions were performed through digital channels Enhanced debit card penetration to new to bank customers at a historic level of 75% Cost to income ratio at 36%Awards & Recognition Most Promising e-Commerce Growth Award - MasterCard MENA Acquirer Forum 2017 Best Merchant Services in Pakistan - International Finance Magazine, UK - 2017 2nd Biggest Acceptance Footprint Award for PAYPAK by 1Link - 2017

 Empowered Two Major Telco backed banks, Telenor & JAZZ, with e-Commerce Gateway to ultimately enable most critical segment of the economy i.e SMEs with payment innovation and connection with National and International Markets back in 2014/15 This entailed mobilization of all major stakeholders i.e. International Payment Schemes (MasterCard & VISA), State Bank of Pakistan, major MNOs and Bank Management into constructing a first ever e-Commerce Merchant Aggregation Model This venture created much needed scale in e-Commerce Market that became National Asset

- Worked on revitalization of merchant acquiring business, strategized to capture 30% share out of the total market volume, turned around the business to become profitable for the first time in 9 years since launch and restructured the MDR of merchant portfolio.- Created an Acquiring Product Team that took several new initiatives for driving the revenue growth i.e. mPOS, Payment Aggregation, Launch of Internet Payment Gateway & set up an e-Commerce Business line.- Introduced Internal Transfer Pricing Mechanism to support Retail and Whole Sale banking for capturing large relationships. - Introduced Alternate Pricing Mechanism & secured a deposit of PKR 125 Mn from a major retailing company- Led several initiatives to streamline the systems & processes which include the following:Development of a Product & Process Manual.EMV compliance projects for VISA, MasterCard & UPI.Implementation of POS inventory system.Improved the profitability of business by bringing a float income of over PKR 8.0Mn per month.Brought operational efficiencies in merchant settlements.

Took over a fast declining portfolio of a product perceived as outdated. The decline was stemmed and reversed through various sales & marketing initiatives. This was primarily a reenergizing feat as the entire team embarked on a series of branch visits across the country and brought renewed focus on the product sales to its target market.Key Achievements are mentioned below:- Achieved the highest ever sales of PKR 54 Bn and Net Profit of PKR 206 Mn in 2013 through branch activation, sales campaigns & marketing efforts.- On my watch, MCB Bank enjoyed 70% market share in the said product category. - Increased number of actively selling branches from 350 to 760.

Consumer Operations was a problematic area for the bank during that period. Following initiatives were taken to streamline in the domain:- Undertook extensive efforts for process re-engineering & improvement of systems/controls, which resulted in a significant improvements in the areas of reconciliations & service delivery. It also led to major improvement regulator’s & internal audit ratings.- Drove the development of KIBOR Linked portfolio pricing & re-pricing mechanisms that helped stem massive income leakage. - Managed cleansing of bank’s insurance portfolio, which led to saving of over PKR 20 Million- Re-engineered the systems and processes that resulted in improved efficiency and reduction of turnaround time. Delivery time for customers was reduced from 25 days to 7 days.

- Led a team of over 300 individuals across Pakistan as National Sales Manager to grow the product portfolio. - Secured & maintained industry leadership despite intense underwriting tightening.- Portfolio addition worth PKR 1.Bn within six months.- Maintained an average booking of 1000 loans with above budget ticket size of PKR 165k per month. - - Achieved highest sales numbers & volumes with ECIB endorsements.- Productivity of 5 loans per relationship officers, which is industry’s highest considering the underwriting tightening. - Re-organization of sales team based upon specialization of tasks to achieve 40% approval rate.- A product variant of personal credit line was made ready to be launched.

500% increase in monthly sales volumes-Best Performance award- Achieved Regional Market Leadership from a previous non-existent position on the industry horizon - - Secured the approval of a new segment (BTF) from Policy Department- Played a major role in renewal of Product Program Guide for the year 2007

- Managed Credit / Debit Cards, Ready Cash & Personal Loan- Portfolios Restructured the sales team as well as processes- Established sales centers at Faisalabad, Gujranwala, Sialkot & Gujrat

- Best RSM Award for the year 2005 - 06- Achieved a productivity of over 2 booked cases per relationship officer from 0.5 cases per RO in the first 3 months - Made a contribution of PKR 2.5 Billion in the total portfolio- Secured 60% of total product portfolio from central region - Secured highest ever sales volume

Prepared a detailed marketing strategy for Soap & Detergent DivisionDesigned the product packaging, Prepared a detailed advertising strategy and designed the promotional meterial.Conducted an extensive marketing research and interviewed the merchandizing managers of all the hyper and super marts for setting up the network of distributors for modern market. Also interviewed the potential distributors for traditional market as well. Represented the organization in Jakarta International trade Fair and secured orders worth USD 215,000 from clients based in UK, Congo, Solomon Island, Papua and South Africa. Managed the sales team spread across 10 provinces.Chalked out and managed marketing campaigns for launch of Laundry Soaps, Glycerin Soap, Laundry Cream and Anti-Bacterial Soap.Developed the concepts for future products that included Toilet Soaps, Powers and Liquid Detergents.

Managed relationships, administrative & financial matters with Federal & Provincial Governments and Donor Agencies.