Digital Lending, Shariah Compliant Buy Now Pay Later, and Embedded Financing

Responsible for designing, implementing and managing lending products that are directly related to organization’s core business, strategic ambitions around portfolio growth, revenue and profitability targets. Digital Innovation and Transformationa. Digitization and Automation of: o Loan Application Form with system-based controls ensuring adherence of internal / regulatory policies. (Achieved 100% digital loan booking at customers’ doorstep)o Loan Underwriting Process for… Show more Responsible for designing, implementing and managing lending products that are directly related to organization’s core business, strategic ambitions around portfolio growth, revenue and profitability targets. Digital Innovation and Transformationa. Digitization and Automation of: o Loan Application Form with system-based controls ensuring adherence of internal / regulatory policies. (Achieved 100% digital loan booking at customers’ doorstep)o Loan Underwriting Process for improve TAT, transparency and operational efficiency. (Enabled paperless ecosystem, reduced TAT from 10 working days to 3 working days)o Loan disbursement and repayment through easypaisa Mwallet Account. (Introduced hassle-free services for a delightful user-experience)o Backend operational processing, credit checks and scorecard-based application filtration are in progress. (Eliminating manual dependencies and reducing handshakes) b. Enabled loan management through easypaisa App for self-service banking. (Provided information access at customer’s fingertips to resolve majority of his / her loan related queries)c. Launched Digital Lending initiatives for easypaisa retailers and other distributors d. Engaged in existing Core Banking System changeover to world’s leading banking platformBusiness Model Refinements a. Led and managed from concept to implementation a non-conventional, simpler, efficient and convenient Branch Banking Modelo Digitized end-to-end loan delivery process for paperless fulfilment o Reduced excessive handshakes with focus on centrally established controlso Continuously improving customer experience to reduce churn and increase revenuesb. Revamped the underwriting process in collaboration with Risk. (Reduced multiple handshakes from 10 to 6)Product under supervision includes:a. Gold-backed lending b. Business loans to self-employed individualsc. End-used defined loans d. Loans to farmers [Farm & Non-Farm] Show less

EGIBL was a newly set-up Islamic Bank. I was part of the core team which worked on the projects in the commencement phase including product launches and marketing services initiatives.Reported directly to the Head of Marketing in accomplishing the following key deliverables: Designed and launched deposit product suite and ADC Services Led branch branding exercises for better visibility of the brand  Managed events during the launch and post launch phases Collaborated… Show more EGIBL was a newly set-up Islamic Bank. I was part of the core team which worked on the projects in the commencement phase including product launches and marketing services initiatives.Reported directly to the Head of Marketing in accomplishing the following key deliverables: Designed and launched deposit product suite and ADC Services Led branch branding exercises for better visibility of the brand  Managed events during the launch and post launch phases Collaborated with ad agency / vendors for preparation of advertisements / marketing collateral etc. Show less