Strategic planning: Developing and executing the strategic plan for the retail banking division of the institution, including setting business goals, identifying growth opportunities, and managing risks.Team management: Leading and managing a team of retail banking professionals, including branch managers, sales representatives, and customer service staff, and ensuring that they are meeting performance targets.Customer relationship management: Developing and maintaining relationships with customers, ensuring that their needs are met, and providing a high level of customer service.Product management: Developing and managing retail banking products, such as deposit accounts,wealth management, consumer to meet the needs of customers and grow revenue for the institution.Risk management: Identifying and managing risks associated with the retail banking business i.e operational risk, and compliance risk.Financial management: Managing the financial performance of the retail banking group, including setting budgets, monitoring expenses, and tracking revenue.Compliance: Ensuring that the retail banking division operates in compliance with all applicable laws and regulations.Stakeholder management: Engaging with key stakeholders, such as internal teams, to ensure that the retail banking division is meeting their needs and expectations.Overall, responsible for driving the growth and profitability of the retail banking group, while ensuring that it operates in a safe and compliant manner and provides a high level of service to customers.

 Spearheading and looking after the P&L for 60Islamic Branches including 242windows, responsible for the entire portfolios of Assets & Liabilities.  Develop and implement the business strategy for Islamic banking and ensure alignment of the same with the overall strategy of the Bank to ensure achievement of growth targets as per plans and anticipated timelines.  Develop and introduce Islamic banking products with the team, augment the market share by way of periodic comparison of product innovations, performance and the requirement of change in or realignment with the Bank’s strategy.  Develop the harmonious professional relationships with existing and prospective internal and external customers, statutory and regulatory authorities, other relevant agencies, Auditors etc. to enhance functional support and coordination for further the brand visibility of the Bank. Practice and continuously educate team leaders to develop a culture of effective communication, constructive feedback, diversity and inclusion to achieve healthy competition, mutual growth and results beyond expectations.  Strictly adhere to the Islamic banking policies by carefully evaluating & implementing them as per the guidelines of the Bank’s CEO & Shariah Board, including making junior staff members understand the implications and potential pitfalls to avoid.

 Spearheading and looking after the P&L for 14 Islamic Branches ,with the bank’s largest region in terms of area, responsible for the entire portfolio’s 70% Assets & 80% Liabilities.  Determine targets concerning deposit, advances, trade and profits in agreement with management and evaluate performance of branches vis-a-vis set targets  Reconfigure resources to overcome gaps and successfully exploit available market opportunities, with a strong focus on value creation to contribute to the addition of high operating income for the bank.  Identify service delivery gaps to improve the service across different branches while ensuring maximum utilization of shared services.  Develop and broaden Deposit base of branches (low-cost focus) and maintain as well as further grow profitable business relationships and increasing low risk credit portfolio ensuring minimization of NPLs Ensure smooth implementation of strategic initiatives including corrective measures while allocating required resources to overcome any gaps that can hamper business development progress

 Successfully implemented desk strategic across banks & Habib Metropolitan SIRAT Region for 210 windows.  Accomplished a business of PKR 50 billion-plus, contributing to a new trend in banking, the introduction of Islamic Window Segment for overall growth in deposits.. Successfully create and develop Islamic Banking Window operations Personally managed 234 Islamic Windows with 20(b) deposit  Directly managed 300 relationship managers country wide Assist the client the financial needs and develop retail product Collaborate with operations and compliance department to develop the policy and procedure for Islamic windows Research industry competitors and compile detail analysis data

 Prepared credit statements to report to the Zonal Office including State Bank of Pakistan while complying with the relevant bank policies, operations manual, and regulatory requirements.  Approved transactions as per allocated limit, processed credit proposals and sent e-memos with complete financial statement analysis of each respective business.

Operation Officer