Building a solid merchant POS business through strengthening market presence and footprintLeading POS Acquiring & eCommerce Business with a team of over 50 talented resources countrywideDriving a dedicated team of Ecommerce business through Internet Payment Gateway (IPG)Working closely with IPG partner MasterCard providing Mastercard Payment Gateway System (MPGS)Acquiring business achieved profitability for the time in Bank's history of ~PKR 158 million in 2023POS 2023 revenue YoY growth 203%, spend YoY growth 106%eCommerce 2023 revenue YoY growth 54%, spend YoY growth 35%Introduced Digital Onboarding of merchants, dedicated merchant portal, ECR integration for high value merchants, repricing of agreements with third parties to reduce cost.

Responsible for growth in Corporate and SME segment in the regionKey Corporate client services and relationship management

Driving Sales management of Asset and Liabilities business through branch banking. Led E-Credit Kissan Scheme with Government of Punjab, part of Connected Agriculture Platform Pakistan. Implemented of Yield based Crop Insurance. Launched Nestle Hybrid product sales and development and other strategic initiatives.

Sales Management of Priority Branches Wealth Management Product DevelopmentIslamic Funds Distribution to augment NFI lines Bancatakaful Business Development Cross Sell of Asset Products Autos, PF and Home Finance through Priority Branches

Drove Sales Management for BancassuranceManaged Product development of BancassuranceHighest Non Funded Income line. Net Income Figures (2013-91m, 2014-165m, 2015- over 200m) Responsible for Branch Cross Sell of Asset productsIntroduced Reward and Recognition Programs for high achieversMotivational campaigns for Sales staff to boost morale and sales numbersInternational Sales Convention for top performers Staff engagement activities with Senior Management Periodic regional sales training of Wealth Management ProductsBusiness ManagementResponsible for Product Management and Development of High Net Worth Segment and Cross SellProfit & Loss Management with Distribution Team for Wealth Management ProductsCoordinate with other stakeholders Shariah, Legal, Compliance, Audit and OperationsDevelop timely sales incentive plans for Wealth Management products.Monitor and analyze daily sales MIS Identify training gaps to improve productivityStrategic Management Developed segmentation strategy to cater to different demographics of deposit baseDeveloped Cross Strategy to compliment Asset & Wealth Management Business Product bundling of different products to create value proposition Product Development Developed Wealth Management Products: Platinum Banking, Priority Banking, NRP Segment, IPS Sukuk, Business Account, Bancatakaful productsBrand Positioning and marketing campaign of First Islamic Priority Banking proposition in PakistanIntroduced strategic alliances for High Net Worth segment.Product bundling of Deposit, Asset & BancatakafulProcess DevelopmentDevelopment for Priority Banking Service Measurement Levels to ensure TAT monitoringUpgrading/Downgrading mechanism for Priority customers Streamlining of Cross Sell processing between two Asset and DistributionAutomation and process flow improvements.

Developed Wealth Management Investment Products for High net worth clients 2012Business Accounts Bundled Cash Management and Cash Services Cross Sell of Asset Products 2012Product Bundling of Asset and Deposit products to support Cross SellingEnsure that sales staff is trained to cross-sell deposit products with consumer asset productsMediate cross sell bottlenecks and problem resolutionLaunched First Islamic Platinum Banking in 2011 Part of Deposit Segmentation Strategy Created a niche under the umbrella of Dubai Lounge Priority Banking segment to cater to HNW segmentRemittance Product 2009-10Worked on Pakistan Remittance Initiative team under the directives of SBP, to channelize remittance through banking channels Capitalize on incentives offered by SBP to encourage remittance programsDeveloped business simulations and projectionsStrategic partners to support the initiative: DIB UAE & key money changers abroadLaunched BancaTakaful Business in DIB 2009 BancaTakaful Product development and Business Model for a separate business line for the Bank in 2009Business Partners with Pak Qatar Family Takaful & FWU GermanyGenerated Non Funded income of over PKR 50 million in first year of launchRecord breaking performance in 2009, PKR 85 million annual premium booked, with 850 policies sold in just 3 monthsLaunched NRP Business in Dubai 2008-09Remittance & Deposit product clubbed with Mortgage offering in Pakistan Collaborated efforts with DIB UAE Wealth Management TeamEstablished sales unit in DIB UAERegional Training and Development of sales teams

Launched Priority Lounges in Karachi Lahore and IslamabadIncreased CASA mobilization through Dubai Lounge Priority Banking branchesFormation of Priority Banking & General Banking marketing guidelinesService & Quality measurements of TATs through Service Reports & InitiativesStrategic Value Driven Alliances for Priority Banking

Corporate Brand Management Development & Designing of marketing material for all products and branchesManaged Product launch campaigns On ground execution of all marketing campaignsImplementation of Regional Brand guidelinesOutdoor ManagementMember of Prime Bank Integration Team Nov 2006-Sept 2007Re-branding and Product positioning team memberConducted Research to funnel perceptions of the two customer baseTraining of Prime Bank staff on ABN AMRO Marketing & Branding GuidelinesInitiated and implemented Service Level Agreement and process flowMember of Pioneering team for revitalizing National Cricket in PakistanEstablishing and maintaining PR with PCB officialsOrganizing ABN AMRO 20-20 Cup, Lahore 2005 and Karachi 2006Project Manager for Branch Expansion Plan1 link Inter Bank Funds Transfer launch campaignMember of ABN AMRO Procurement committee

Responsible for BTL ActivationDesign and concept of on ground activationProactive pitching of concepts to clientsStrategy defining and planning Showcasing and managed on-ground activation

Sales & target Management for Beverages, responsible for secondary salesSales team management Managed primary and secondary displays in markets for maximum visibility