o To study, analyze, develop and implement the group’s treasury function, cash management and operational strategies to meet organizational objectives.o To supervise and oversee day to day cash flow movement. o To manage financial and liquidity risk as it relates to treasury operations.o To manage and negotiate banks relationships. o To analyze and recommend potential alternative financing structures. o To supervise and manage treasury teams of all subsidiaries and business unitsand support and advise them in all strategic decisions. o To study economic trends and coordinate with Investment team to take all strategic investment decisions.

o Responsible for Complete Portfolio Review and migration of Samba Portfolio to SNB/Al-Ahli System o Ensuring all Facility structuring, pricing and terms and conditions are recorded correctly in the systemo Standardization of ORR in line with Al-Ahli systemo Categorization of Portfolio with respect to Risk gradingo Review of Problem loans and their re-classification in line with Al-Ahli policies

o Managing a team of Senior and Junior RMs with a sizeable portfolio. o A Credit Committee Member, having responsibility of credit review of proposals; evaluating and approving in line with Bank’s overall procedures and policies maintaining acceptable balance between risk and return.o Backing up Regional Head in his absence/vacation. o Coaching & mentoring junior RMs, Credit Analysts and support staff for their grooming and motivation thus ensuring congenial environment and synchronization amongst them. o Continuing performance monitoring of reporting staff to ensure that they remain focused and supportive in achieving organizational targets.o Daily monitoring of account activities through various MIS data/statements.o To perform timely credit review of all the Annual reviews of the portfolio and responsible to manage a quality portfolio meeting Banks Risk & Return benchmarks. o Advising customers on different Facility structures suitable for them to meet their financial/banking needs. o Identify opportunities in allocated segments and developing proposals for approval that meet the bank’s policies, regulatory framework and customer needs.o Analyze & monitor risks to assess risk/return and initiate timely remedial actions so that relationships remain healthy in line with the Bank’s overall strategy and policies.o Advice customers on products and services / cross selling.o Liaise with internal departments including Credit Risk, Credit Operations, Legal, Trade Finance and Customer Services for smooth maintenance of the relationships.o Responsible to manage reviews by Compliance and internal/ bank’s audit.Key Achievements:o Successfully passed three Audit Reviews (ARRs) in Samba.o Increased portfolio size to four times since joining samba, meeting overall Facility size & Profitability targets on regular basis.

o Manage a team of Relationship Managers to develop/manage large and medium size corporate relationships o Identify the segment target market to broad - base the portfolio and pursue growth opportunities towards on boarding of the new clients. o Review the overall portfolio in a timely manner and recommend appropriate credit facilities in line with the bank’s credit policy to maximize earnings while containing risks to an acceptable level. o Manage the overall credit quality of the asset book within acceptable limits. Provide hands-on relationship management to ensure effective and timely delivery of the bank’s services/ products to the customer. o Ensure high performance culture and delivery of professional and quality services to customers.o Train & coach junior RMs to develop their credit understanding and analytical skills

o After passing the Audit Review (ARR) I was assigned responsibility to develop business for the regiono Successfully managed the task with a team of 2 RMso Trained and groomed RMs for marketing and relationship skills o Managed existing accounts as well as booked new relationships with target market of Revenue between SR 30-MM to SR 450MMo Target areas were mainly Contracting, Trading & Manufacturing sectors o Remained top performer Country wide in business developmento Successfully doubled the portfolio size within 2 years, well appreciated & recognized by the management

o Joined Samba as senior RMs in Local corporate Banking o Was assigned a diversified portfolio of trading and contracting customers o Successfully managed and developed business with existing clients and successfully on-boarded several new customers o Developed and built a culture of strong relationship and customer oriented approach on the platformo Assisted junior RMs to develop their relationship and analytical skills o Cross selling other banking products to customers like online banking, trade services, payroll, and treasury product’s etc. to ensure maintain/improve our wallet shareo Liaison with several departments to ensure timely processing of all customers’ transactionso Remained Top performer for consecutive 3 yearso Part of ARR committee of the region and successfully passed Audit Review (ARR) during 2011

o Management and supervision of Area Corporate & SME Teams o To establish base of the bank in Multan area by developing a healthy portfolio and pursue growth opportunities towards on boarding new clients.

o Manage and develop the Asset/Credit portfolio assigned.o Managed and supervised a team of RMs and Credit Admin staff to identify the segment target market to broad - base the portfolio and pursue growth opportunities towards on boarding new clients. o Review the overall portfolio in a timely manner and recommend appropriate credit facilities in line with the bank’s credit policy to maximize earnings while containing risks to an acceptable level.o Manage the overall credit quality of the asset book within acceptable limits. Provide hands-on relationship management to ensure effective and timely delivery of the bank’s services/ products to the customer.o Ensure high performance culture and delivery of professional and quality services to customers.o Developed a diversified asset portfolio consists of energy, fertilizer, textile, cotton ginning and edible oil sectors. o Development of junior RMs via mentoring and on-job training o Responsible for staff performance appraisal

o Opted for Islamic Banking Branch Multan and worked as Relationship Manager in Corporate & SME (Ijarah & Murabaha)o Attended Islamic Banking Certificate Course at NIBAF-SBP, Karachi and got 2nd Position.o Attended a two weeks training session from Centre for Islamic Economics Karachi on Islamic Banking Productso Successfully established and operated the new Islamic business unit in a new region which was a highly competitive market having slim awareness of Islamic Banking Products.o Played a pivotal role in establishing the concept of Islamic Banking in the region.o Held the distinction of being the first RM to get the first credit approved and disbursed for Islamic Banking Unit in Multan Region.o Was active member of the credit committees in order to resolve the initial issues and enhancing coordination amongst Business Units, Shariah Department, Credit Department, Credit Administration Department, etc.o Successfully built a sizeable portfolio of Islamic Banking Assets (Murabha, Ijarah etc.) meeting all targets set by the Management

o Joined Bank Alfalah Limited as Management Trainee Officer (MTO) in May 2004o Got 1st position in comprehensive training (Management Trainee Officer) of six months at world class In-House training facility; Bank Alfalah “Training & Development Centre, Karachi” o Completed On-Job rotation at Area Office, Multan under the direct supervision of Area Manager and developed understanding of all the aspects of banking i.e. Retail, Consumer, Trade Finance, SME, Corporate etc.

o Main Job responsibilities were Credit Marketing, Credit proposals writing/processing, Managing Lease Portfolio and Liaison with the customer. Handled a sizeable portfolio comprising of large local corporates and small/medium size companies.