Ms Khan Email & Phone Number

Pakistan

Sheikhupura

•Lead FFOSP microfinance operations while managing a healthy portfolio of over PKR 1.8 billion and 40K clients across 09 districts of Punjab Province. •Monitoring of credit portfolio, achieving disbursement targets and reducing delinquencies while adopting appropriate lending practices. •Implement and maintain detailed portfolio analysis, reporting process and provide recommendations for improvements in the business process. •Periodic review of existing lending products both (Secured & Unsecured) in line with market suitability, in house requirements and made necessary amendments.•Perform market intelligence studies, integrating findings to generate ideas on product features, end to end development of new products and recommend appropriate product/lending strategy.•Developed loan product for MSMEs and disbursed more than PKR. 400 million to the aspiring entrepreneurs.•Designed School lending product to fulfill the working capital need of the schools and disbursed PKR. 265 million to more than 400 private schools across seven districts of Punjab Province.•Developed a Low Cost Housing financing product and disbursed around PKR.300 million and managed good portfolio quality.•Responsible for Product program, handle promotional campaign, literature, brochures & marketing.•Managed risk levels for the entire credit spectrum across multiple products in line with company’s objective.•Developed, tested, and optimized credit policies/strategies including full accountability for implementation of those policies and processes. •Capacitating operations staff while conducting relevant trainings i.e. operations, credit risk, appraisal & monitoring, compliance, customer facilitation etc. on periodic basis. •Maintain good and cordial relationships with existing customers and deepen existing relationships through regular customer contacts.

Islamabad

•Managed/Supervised the process of funding both (fund/non-funded) in all aspects of appraisal, financial & operational analysis, sanctioning, contracting, disbursement and performance of PMIC financed and potential borrowers i.e. Microfinance Banks (MFBs) & Non-Banking Microfinance Institutions (NBMFIs).•Finalized ratings of the borrowers based on Institutional Rating System (IRS), and finalize credit proposals for approval by Credit Committee/Board.•Conducted commercial negotiations with the borrowers while ensuring soundness of the borrower’s portfolio quality and assessing/interpreting financial and operational information of the borrowers.•Responsible for supervising and executing credit facility structuring, approval and monitoring.•Managed relationship with key stakeholders i.e. borrowers, lenders, regulators etc. •Review loan documents as per the Company Policy and Procedures with respect to amount of finance, terms and conditions, borrower’s borrowing mandate, authorized signatory etc. and liaise with internal and external parties to ensure proper and efficient delivery of credit administration duties.•Approval from relevant authorities is held for deferral / waiver of incomplete documents.•Ensuring adequate risk management tools are in place, with a follow up through field and desk monitoring. •Reporting of Portfolio performance to various stakeholders on periodic basis e.g. disbursement, recoveries, overdue payments etc.•Conduct periodic monitoring visits to PMIC Borrower’s in an effort to ensure proper usage of funds/grants deployed.•Product Development of innovative need-based products (Renewable energy, digital finance, micro-insurance, housing finance, value chains, low cost private schools etc), initiatives and delivery mechanisms.•Have been affiliated with the business model of linking branchless banking services with Microfinance Institutions to deliver a product mix for superior consumer experience to the unbanked population.

Islamabad

•Worked with a World Bank (IDA) funded and International Fund for Agriculture Development (IFAD) through Partner Institutions (PIs) i.e. Microfinance Banks (MFBs) & Non-Banking Microfinance Institutions (NBMFIs) with a portfolio of PKR 5.0 billion. •Identification and evaluation of business potential of Partner Institutions i.e. MFBs and NBMFIs by providing comprehensive appraisals, evaluation, operational and financial analysis for funding decisions. •Preparation of detailed business proposal for onward submission to Credit Committee/Board.•Assessment of quality of credit proposal presentation, approval process, credit line structuring, modification, and exposure limits. •Ensure compliance with the internal policy, credit approval T&Cs and regulatory requirements, etc. •Prepare financing documents in line with the terms approved by the competent authority.•Review loan documents and liaise with internal and external parties for proper and efficient delivery of credit administration duties.•Maintained and Reviewed MIS as well as infected/classified loan portfolio of the company. •Developed Key Risk Indicators (Watch List) considering national and international best practices to monitor loan portfolio of Partner Institutions effectively. •Managed IFAD funded “Program for Increasing Sustainable Microfinance”-PRISM project and facilitated establishment of linkages between the commercial banks and the MFIs/NGOs/RSPs under which the former has invested over PKR. 2 billion in the microfinance sector. The program also led injection of equity worth PKR 2.3 billion in seven of the mid-tier MFIs as well as making them financially viable and more attractive to commercial and capital markets.•Conducted and reporting of detailed analysis of various financial and operational reports on monthly, quarterly and annual basis to stakeholders.

Main Branch-Peshawar

•To manage the floor/branch while ensuring customers are being serviced in a timely and orderly manner. •Maintain good and cordial relationships with existing customers and deepen existing relationships through regular customer contacts.•Initiate/ Process customers request for multiple bank products through deepening and cross-selling.•Develop/process credit proposal, initial documents and liaise with client to complete all the documents as per bank/central bank policy.•Complete all the pre/post approval formalities including follow up with clients for smooth payback, while keeping profitability of the bank for achieving assigned targets.•Maintain active MIS as well as follow up on over dues.•Monitoring of transaction volumes in customer accounts and ensures 100% accuracy on updating risk classification in accordance with the KYC parameters.

Regional Office-Mardan

•Preparation & processing of credit proposals in line with SBP prudential regulations & bank’s credit policy.•Ensure all KYC regulations are observed and all pre-post disbursement formalities.•To carry out financial analysis & credit risk assessment in conformity with Bank’s policy & SBP regulations.•Constantly monitors activities after the disbursement of the loan, to ensure that adequate security margins are maintained till the loan is recovered.•Coordinate with legal function in obtaining legal opinions as & when required to ensure the authenticity of the borrowing party.•Monitoring of portfolio on daily basis in conjunction with the branch manager.•Ensure safekeeping of all the documents related to the approved loan.•Follow-up with the borrowers for timely repayment of the loans.

Loan Portfolio Management, Business, Management, Marketing, And Related Support Services

Master Of Business Administration - Mba, Finance And Financial Management Services, B+

Bachelor Of Business Administration - Bba, Finance, B