Led deposit growth initiatives by spearheading the acquisition of NTB /ETB accounts, ensuring consistent deposit maintenance.Directed and mentored a high-performing team of 4 Territory Sales Supervisors, fostering a culture of accountability, collaboration, and excellence.Provided hands-on guidance and support to team members, facilitating their professional development in alignment with organizational objectives.Formulated and executed strategic plans to expand the merchant network, focusing on acquiring POS merchants, QR payment merchants, and enhancing Internet Payment Gateway (IPG) services.Identified and onboarded key merchants across retail, hospitality, and e-commerce sectors, broadening the scope of digital payment solutions.Established and nurtured strong relationships with merchants, negotiated agreements, and upheld service standards.Oversaw the implementation of cash disbursement projects such as the Benazir Income Support Program and the World Food Cash Disbursement Project, ensuring regulatory compliance and timely execution.Collaborated cross-functionally to launch and manage digital payment solutions for organizations, including school fee payment and salary disbursement projects.Monitored project progress, mitigated risks, and addressed challenges to ensure successful outcomes.Remained abreast of industry trends and emerging digital banking technologies, identifying opportunities for innovation.Collaborated with internal stakeholders including product development, marketing, and customer service teams to enhance digital banking offerings and improve the customer experience.Championed digital transformation, advocating for the adoption of digital payment solutions and driving organisational change.

Identified and onboarded agents for branchless banking services, driving business expansion.Cultivated and maintained strong relationships with agents to foster business growth and ensure mutual success.Tracked agent performance closely, offering necessary support and guidance to meet targets effectively.Conducted comprehensive training sessions for agents on mobile banking transactions and regulatory compliance.Provided continuous support to agents to optimize their performance and address any operational challenges.Coordinated with technical teams to ensure seamless installation of banking software at agent locations.Proactively resolved any technical issues related to software installation and usage, ensuring uninterrupted service delivery.Monitored market trends and analyzed data to identify growth opportunities within the territory.Generated regular reports on agent performance, transaction volumes, and territory growth to inform strategic decision-making.For compliance and record-keeping purposes, maintain accurate documentation of agent agreements, training sessions, and software installations.

Managed sales-force and distribution channels to optimize performance and achieve targets.Led contract negotiations and managed contracts to ensure favorable terms and agreements.Cultivated and maintained strong customer relationships to drive satisfaction and loyalty.Spearheaded business development efforts for new products, identifying opportunities and driving growth.Provided effective leadership and motivation to inspire teams toward goal attainment.Oversaw the collection of market visit reports from Retailer Sales Officers to gather valuable insights.Prepared comprehensive Market Intelligence Reports to inform strategic decision-making.

Directed and managed retail sales development initiatives to drive revenue growth.Oversaw stock management processes and attended to deliveries at outlet locations.Coordinated the setup and scheduling of delivery times to ensure timely customer receipt.Ensured attainment of primary and secondary sales targets through strategic planning and execution.