• Responsible for managing business lines for Credit, Debit & Prepaid Cards, ATM/ CDM & SMS banking (ADC business), loyalty, partnerships & sales channels.• Launched first ever Tokenization/ Tap N pay service in Pakistan along with traction through strategic partnerships.• Responsible for digitization of value services to make payments suite more digital and customer centric.• P&L cognizant – ensuring commercially viable decisions for increasing NFI lines in different customer segments.• Additionally, Lead support for UBL International cards business in UAE, Qatar & Bahrain.• Part of the team who developed and implemented Application and behavioral scorecards for credit cards and other loansAdditionally, heading consumer loan (autos, mortgages and personal loans), Collection &Recovery, Employee Banking & Cash Management functions with respect to product management, distribution, alliances & partnerships, P&L management as well as strategy and control aspects.

 Responsible for managing Credit Initiation Unit (CIU), Consumer Credit Policy (domestic and international) including SME LCV & Merchant Acquiring Risk representative on behalf of UBL in the Visa Risk Council forum, Pakistan Bankers Association and Central Bank Risk forums. Responsible for portfolio management and trend analysis, net flow collection/ recovery analysis, portfolio bifurcation and demographics for strategic enhancements and curing of the written off pool via settlements, litigations,auctions and repossessions. Responsible for all correspondence / portfolio analysis on behalf of Risk to SBP, PBA (Pakistan Bankers Association), UBL Credit Reviews with the President and the Board Involved with management of all cross functional units of the Bank for development of portfolio strategies with respect to opportunities, threats, risks and rewards and a portfolio mix based on portfolio segmentation and performance as well as economic, market and competitive intelligence to grow the portfolio profitably. Responsible for managing Credit & Regulatory risk within the portfolio. Portfolio management in line with the changing market based on portfolio trends, collections performance, bank’s infrastructure, credit scoring, and bureau extracts etc. Development of Application & Behavioral Scoring models via outsourced company. Analyzing and quantifying risk factors in new business ventures / proposals. Giving assurance on risk management processes and assuring that the risks are correctly evaluated. Involvement in risk related issues of systems deriving the consumer products. Annual Target Budgeting for Collections & Recovery Units. Aligning people, processes and systems pertaining to risk in line with business strategy. Fraud risk management – Reviewing recent fraud trends emerging in the portfolio and taking corrective actions accordingly.

• Responsible for managing Credit & Regulatory risk within the portfolio.• Portfolio management in line with the changing market based on portfolio trends, collections performance, bank’s infrastructure, credit scoring, and bureau extracts etc.• Development of Application & Behavioral Scoring models via outsourced company.• Analyzing and quantifying risk factors in new business ventures / proposals.• Giving assurance on risk management processes and assuring that the risks are correctly evaluated.• Involvement in risk related issues of systems deriving the consumer products.• Annual Target Budgeting for Collections & Recovery Units.• Aligning people, processes and systems pertaining to risk in line with business strategy.• Fraud risk management – Reviewing recent fraud trends emerging in the portfolio and taking corrective actions accordingly.

Head Consumer Products (Credit Card, Autos, Cashline, HomeLoan, & Personal Loan products)• Achieved much desired turn-around of consumer business in UBL • Launched a number of initiatives to achieve desired quality acquisitions (UBL Silah Milah, UBL - Toyota alliance, Platinum credit card, a number of credit card promotions through sales and outbound telemarketing unit, etc.)• Achieved reduction of expenses across the board. • Key player in strategizing and executing strategies in recoveries of stuck up portfolio – played a key role in restructuring of Collections & Recovery deptt• Ensured all controls are in place from regulatory and audit point of view. Achieved desired results in all external and internal audit reports• Closely worked with all cross functional departments (credit policy, operations, collections and recovery and sales) to achieve the best results in all respects

• Responsible for Product Development and management of P&L for the consumer business in MCB• Developed and launched Visa Platinum credit card• Launched a number of joint promos with brands like KFC, Bareeze, McDonald’s, etc). Also did marketing launch of No surcharge on electronics promo, cash back promo and other similar initiatives• Headed loyalty program and i-plan promotions for MCB credit cardholders• Headed telemarketing sales team for credit card and achieved targets for ANR, sales of Bank assurance, customer retention, customers' enrollment for utility bill payments, etc etc.• Finalized sales business plan, assigned targets/ developed strategies to achieve them and monitored the performance. Also, finalized sales commission structure and hiring plan. Also conducted road shows in coordination with sales team for sales generation• Finalized 5 years strategy for Consumer Lending (Credit Card, Personal Loan, Auto Loan and Home Finance) • Coordinated with all cross functional units to achieve the best results for consumer business

• Designed / launched a number of products / marketing promotions like Alfalah Scholarship, Alfalah Visa Mini, Alfalah Visa Platinum Card, Alfalah Titanium MasterCard, No Surcharge on Travel and Jewellery, No Surcharge on Electronics, Special Warid Post Paid Connections for Alfalah Credit Card holders, Cash withdrawal through all 1Link ATMs, promotions for Alfalah Merchant Acquiring business. • Struck deals with the utility companies for utility bill payment through credit card and launched it (LESCO, IESCO, SSGC, SNGPLPTCL, KESC, etc.). Designed and launched a marketing promotion with the utility companies on bill payment through Alfalah Credit Card.• Conducted road shows for card sales in coordination with sales team for sales generation• Designed and launched strategic alliances with different companies for credit card usage for example alliances wtih McDonald’s, Bareeze, Nando’s, KFC, Pizza Hut, etc.• Designed and launched Insurance products, prepaid air time through credit card, SMS alerts service (for all mobile companies in Pakistan). Also working on mobile banking.• Headed SBS (Step-By-Step Monthly Installment Plan) and Rewards departments and responsible for designing all the monthly / yearly promotions. • Part of strategic decision making team for corporate decisions in connection with plastic money, product features, new product launches, etc. Also, managing all new projects in Cards Division in coordination with IT, Operations, Sales, Merchant Acquiring departments.• Struck strategic alliances with leading merchants of the country for promotional activities / in-store branding activities to support Bank Alfalah Acquiring Business.• Responsible for developing and providing all marketing material related to Merchant Acquiring to Merchant Acquiring teams.• Responsible for card related business activities for upcoming projects in other countries.• Managed all advertising activities for credit card, home loan and auto loan products.

• Product Manager for the launch of UBL Wallet. Finalized the product as well as the whole public launch strategy.• Conducted product / sales training for branches for UBL wallet.• Product Manager for the launch of web based service UB onLine. Coordinated with the advertising agency for ads in print and Internet media. Also designed website and marketing collaterals for the service.• Handled the outdoor advertising project for the launch of Corporate ID of UBL.• Event management – IBA – UBL “Developing the Leaders of Tomorrow”• Event management – Annual General Meeting of UBL at PC Karachi.• Prepared a comprehensive Business Plan for ATM/Debit Card Project for UBL. • Managed ATM / Debit Card project with close liaison with ATM vendors and different departments of UBL. Did required liaison with the advertising agency in connection the collateral design.• Negotiated with vendors for selection of ATM models and card designing and striking the deals with the chosen ones.• Negotiated with

• Was hired in 29th batch of MTOs in MCB.• Received six months' formal banking training at MCB Staff College Lahore. Got practical training in different branches in Lahore • Worked in General Banking, Foreign Exchange / Foreign Trade and Credit deptts in various branches • Remained in Circle office in the Operations Deptt and coordinated with branch managers and RMs for achievement of given targets. Was also involved in the development of budget for the circle.• Developed future business and revenue generation / cost control strategies in coordination with GM of the circle. • Implemented marketing strategies in the Circle and coordinated with HO• Managed launch event of MCB Maal-a-Maal deposit certificates in the Circle