My new role as Senior Product Manager in the Digital Banking Group at Bank Alfalah! Thrilled to be part of a dynamic team driving innovation in the digital banking space.With a track record of spearheading successful digital product launches and a deep understanding of the financial industry, I am poised to lead transformative initiatives that enhance customer experience and drive business growth.Looking forward to collaborating with cross-functional teams to develop cutting-edge solutions that align with Bank Alfalah's vision for a seamless, customer-centric banking experience.

Manage the NRP proposition & Roshan Digital Account Portfolios by ensuring end-to-end management of the Portfolio, by coordinating with internal and external stakeholders devising strategies to help improve the Portfolio numbers, instituting process improvements to reduce manual intervention, ensuring routine review of the portfolio to mitigate compliance & audit observations & help develop, manage and execute strategy to achieve multidimensional business targets.As a Product Manager it's my key responsibility to designed and implemented a portfolio performance Periodically review and ensure a clean portfolio by conducted gap analysis through qualitative research to identify customer insights and launch new product feature & Strict adherence to KYC/ AML Guidelines, accounts opening policy & procedures, according to SBP policies & Circulars and Foreign Exchange Manual.

A professional Banker with extensive experience of credit policy, Credit underwriting, holding Master Degree in business management (MBA) and have more than 14-Years’ experience in reputable financial institution (HBL).During my span in HBL I have worked with various departments such as CAD, Credit Card operation, Auto loan disbursement, Personal loan disbursement, Settlement & Reconciliation, CIU Department, and Liabilities – Retail Products.Key responsibilities are.Monitoring and Analyzing Retail Product’s performance and portfolio, conducting market BI, driving projects and discover new ideas and initiatives for the continuous improvement in Retail Products portfolio.Liaise between concerned stakeholders to ensure smooth communication, prompt resolution ofall queries and effective and timely delivery of results/planned initiative/Project.• Work autonomously and provide effective business support to meet businessrequirements to ensure that all strategic objectives planned by Retail Products areachieved as planned.• Improve new and pre-existing processes, continually re-evaluate whether each project ismeeting the applicable standards and engage in problem solving with other staffmembers.• To coordinate on and manage and monitor the progress of various Departmental projects in line with strategic plans to ensure achievement of short/long term goals.• Developing project scope and objectives, involving all relevant stakeholder andensuring technical feasibility, resource allocation and availability.• Keep abreast with latest business trends in the industry. Perform competitive analysisto identify market share estimates and track market movements.

A professional Sr. Credit Analyst expert with extensive experience of credit policy, Credit underwriting, Risk Management,Strong coordination with Fraud & Risk Management unit (FRMU) to prevent fraud and minimize risk factor.Key Responsibilities are :Credit Department (Credit Initiation Unit): o Approving personal loans on applications received from Branch Banking Channel.o Analysis of financial documents of customers.o Files review as per SBP Prudential Regulation(PRs).o Customer Documents Review According to Product Policy.o Execution Credit Analyst function.o Analysis of Consumer Credit Information Report (ECIB and Data Check).o Case Screening / Review.o Assigning of credit limit to customers as per their profile.o DBR/DSR Analysis.o Maintain specified turnaround time (TAT) approved under existing product programs & ISM’s, as well as compliance with service level agreements.o Coordination with Fraud & Risk Management Unit (FRMU) to prevent fraud and minimize risk factor.o Generating a variety of analytical reports with different parameters for Credit & Cross functional.o Liaising with Regions about policies intimation and compliances.o Policy Review and updating on one pager.o MIS Coordinator.QUALITY ASSURANCE: -o Nucleus Report Analysiso System(CAS) QAo Physical files QAo Quality of work assuranceo Policy parameter check and review

1-Year Working Experience in Global Exports as Assistant Marketing Manager & Asst Merchandiser.o Asst Merchandiser & Resource Management o Quality Check as per standardo Market Analysis and Business Development Officer. o Correspondence with Vendors & Customers.o Explore New Business Market.o Handling Internal and External Affairs of Companyo Member of internal Employees Satisfaction Researcher