Portfolio Management: I have been leading the Credit Initiation Unit (CIU) for secured products lending for the past 17 years, managing a portfolio of 42 billion, which includes car and home loans. Throughout this period, I have maintained controlled delinquency rates ensuring portfolio stability and growth Digital Transformation: Spearheaded the fully digitalized processing of car loans through BPM (Business Process Management), ensuring streamlined decision-making and efficiency. Islamic Home Loan Processing: Utilizing deep product knowledge to support and enhance the Islamic home loan processing unit, contributing to an increased ENR through quality approvals.Quality Decisions & Delinquency Control: Achieved the top industry rank for car loans by maintaining low delinquency rates and ensuring high-quality credit decisions.Agri Financing Oversight: Entrusted with the task of regularizing Agri business underwriting processes, utilizing strong risk management techniques to ensure controlled, high-quality lending in this sector.Risk Management & Compliance: Developed a comprehensive cross-checking mechanism, integrating AML, FRMU, and FCC screenings to mitigate risks and safeguard the organization from potential financial losses.Leadership & Team Development: Fostered a collaborative and open work environment, encouraging transparent discussions. Ensured team continuity by developing backup plans for critical staff roles, safeguarding the operational workflow.Audit & Compliance Excellence: Consistently delivered satisfactory audit results across all operational areas, demonstrating strong compliance and governance practices.Vision for Growth: Committed to increasing consumer product revenue through quality lending, while continuously seeking ways to innovate and optimize processes for greater organizational impact

To play a vital role in Launching of New Assets Business in Pakistan like Personal Loan, Small Business Loan and Auto Loan. Managed entire unit of Asset Operation unit with strong checks and controls under portfolio size of Rs. 9.4 Billion.Achieved successful Data Migration from existing LMS system to new FinnOne LMS system along with normal business activity without additional staff.Develop many interfaces in b/w FinnOne LMS and PIBAS Banking system to minimize manual accounting entries for all products.

Managed Asset Operation unit of all consumer products of UBL like Auto, Mortgage, Personal loan, Businessline and Cashline. Ensures operation of the team are conducted in accordance with Management guidelines, Group Payment Policy, Department Operational Instructions, and the Group’s Guidelines for Money Laundering, the agreed customer services standards, the operational risk and State Bank’s statutory requirements. Maximize efficiency by ensuring that all products transactions are approved in within given time frame. Objective to be measured against the system log out time features and successfully EOD brought the system available next day for business utilization & controls.

Managing the Initiation Unit for Consumer Loans Mortgage Business in Pakistan i.e. Saibaan. Over viewing daily decisions and ensuring strict adherence to policies by the analyst. Providing input to the policy unit for changes in policies supported with facts and discussion with the Credit Head / Retail Banking Head. Identify opportunities for improvement in outcomes, processes and systems in order to improve results and performance.Provide suggestions for achieving the required level of effectiveness and improvement in systems available.

Key Member in Launching New Consumer Business in Pakistan for Auto & Personal Loan. Reviewing existing policies and procedures with a view of proposing appropriate changes in Relation to evolving demands by Bank. Developing new Credit and Operational strategies, policies and procedures in light of new directions taken by Bank. Developing and applying performance and service indicators of Bank development impact in Credit

Initially started from Consumer Operation Unit as a Credit Analyst in Auto loan business. In 1998 CIU was moved under reporting line of Credit Risk Management then my functional responsibilities was little bit changed, supervise departmental productivity within the cities and monitor credit processors activities.Analyze eligibility criteria and evaluate credit worthiness for assigning limits of Auto cases as per bank’s policy, compliance and quality assurance prospects, and according to prudential regulations of State Bank of Pakistan. Scrutinize all Employment, Business and Personal related documents for authenticity.Qalitative review of External Agencies reports i.e. Income Estimation and Appraisal Reports, Anomalies to be discussed with firm and resolved with intimation to the Sales.