Junaid Javaid Email & Phone Number

Islāmābād, Pakistan

- Design and implement management reports to enable decision making. - Finalize all process manuals while coordinating with all concerned departments and stakeholders. - Assist the product team in designing flows and manuals for new products to be brought onboard. - Conduct pre and post quantitative and qualitative analysis on current projects running. - Provide regular product wise and P&L reports along with variance analysis.- Finalizing presentations and reports to analyze key business functions and define key operational metrics. - Build and put into action effective strategies for data collection and implement sanity checks.

Islāmābād, Pakistan

- Established a framework and tools for in-depth analytics of transactions, product performance and channel activity based on clusters and network coverage with a view to avoid revenue leakage and timely settlement. - Reconcile network coverage vis-à-vis sales channel activity for further analysis and decision making. - Developed the financial and operational back-end of digital platforms and supported cross functional teams in testing and implementation of products and transactions. - Put into place agent cash management and float management strategies. - Managed finance operations personnel to ensure all processes in place are followed and support provided to all stakeholders. - Devise segment wise business plans, pricing and commission strategy. - Ensured timely settlement of all transactions keeping in view all branchless and mobile money timelines. - Worked as part of a cross functional team to devise and launch various products to enhance topline.

Islamabad, Pakistan

- Key project member in the launch of UPaisa Services (www.upaisa.com) at Ufone. - Act as a liaison between Ufone and Ubank with regards to all financial and development matters.- Coordinate with internal and external stakeholders with regards to daily branchless and mobile banking operations.- Coordinate with all departments including Marketing, S&D and IT to ensure day-to-day Upaisa operations run smoothly. - Conduct reporting and analysis on a day-to-day basis with regards to all branchless banking agent network. - Perform reconciliation on a daily basis for all branchless banking and mobile banking activities.- Responsible for all ‘Receivables’ and ‘Expense’ activities.- Mapped and analyzed UPaisa customer pricing and agent commission structures.- Assisted in ensuring that all branchless banking activities take place within the stipulated policies of The State Bank of Pakistan.- Assisted in formulating processes which mitigated control risks related to both branchless and mobile banking.- Assisted in preparation of all training materials for branchless and mobile banking platforms. - Ensured that all internal and external SOP’s were in place prior to launch of UPaisa.

London, United Kingdom

- Successfully designed and launched three new Prepaid Card Programs including the re-launch of the New UNISON Prepaid Plus Card (www.UNISONPrepaid.com), Union Prepaid Plus (www.unionprepaid.com) & RMT Prepaid Plus (www.RMTPrepaid.com). - Successfully designed and launched four new Rewards Programs including UNISON Rewards (www.UNISONrewards.com), Union Rewards (www.unionrewards.com), RMT Rewards (www.RMTrewards.com) & Unite Rewards (www.uniterewards.com). - Successfully developed multi-channel solutions with regards to payment processing and also worked in conjunction with MasterCard Europe in order to implement these solutions to all our Prepaid Card Programs. - Supervised all aspects of Prepaid and Rewards Program. - Managed all financial transactions on Prepaid Card and Rewards customer and corporate accounts. - Ensured that float on Prepaid Card programs does not go below £20,000 per program. - Maintained relationships with all external suppliers and business partners on a daily basis including card issuing banks such as Clydesdale Bank and Payment Processors including PFS and PPS. - Prepared management reports for all Prepaid Card and Rewards Programs. - Coordinated with all internal departments including IT, Finance, Marketing & Customer Services in order to ensure smooth running of all Prepaid Card and Rewards Programs.

London

- Successfully managed the closure of the existing UNISON Prepaid Plus Card program and implemented a project plan for re-launch.- Reported on a daily basis to the Head of Prepaid and assisted them with various day-to-day tasks.- Successfully designed and maintained reports such as Prepaid Audit Log. - Successfully designed a Prepaid Complaints log as per FSA (Financial Services Authority) guidelines. - Supervised Prepaid Consultants on all inbound Prepaid Card queries, these included payment failures and card re-ordering. - Managed stock for Prepaid Cards and calculated re-order levels. - Managed all financial analysis on a day-to-day basis in order to reconcile load balance and withdrawals at the end of each day. - Maintained relationships with external suppliers such as ID Data Ltd and Intelligent Identity Ltd. - Worked in close conjunction with the finance director in order to reconcile all balances at the point of program closure.

London, United Kingdom

- Reported directly to the Head of Outbound on all aspects of the program.- Provided direct assistance to the team with regards weekly and monthly reporting requirements. - Revamped all process and reporting techniques in order to reflect change. - Helped in designing a customer services dashboard for reporting on Soft Skills.

London, United Kingdom

- Reported directly to the Accounts Manager on all aspects of client portfolio management on a weekly basis. - Managed a portfolio of client database in respect to claims pertaining to the Consumer Credit Act 1974.- Captured CRM enhancing information, e.g. email addresses, contract end dates etc. - Built a rapport with existing customers in order to encourage a direct relationship for call backs directly to the Account Manager.- Embraced and developed ownership of all client accounts by being proactive in engagement with key account contacts. - Identified opportunities for business growth and service improvement in communications with clients.

London, United Kingdom

- Reported directly to the Quality and Compliance Manager to ensure that all quality and compliance standards were met on all outbound and inbound calls. - Ensured that personal and overall team targets were met and exceeded. - Managed various weekly reporting aspects with regards to the number of calls graded and the feedback provided as a result.

Master Of Business Administration (M.B.A.), Innovative Management, Distinction

Ba (Hons), Business Management