Provide specialist consultancy services to banks in areas such as SME/ Commercial, Consumer & Retail banking with special focus on Strategy, Organization, Business Planning, Product development, Top line growth & Risk Management.Involved in portfolio/ business diagnostic projects to conduct detailed analysis of existing business models. Help banks build detailed business unit design in support of their strategy and in actual implementation of planned changes. Focused on supporting financial institutions in Asian emerging markets with strategic business planning, hands- on implementation of new business lines and operational enhancements.Recent experience includes working in South East Asia and Pakistan financial market with different commercial banks on Product Development, Sales strategy & Risk Management.Being Member Board Conduct end to end diagnostic of Chief Minister Self Employment scheme (CMSES) launched by Punjab small industries corporation through service provider “Akhuwat” for low income entrepreneurs.

Supporting financial institutions in Asian emerging markets with strategic & business planning, hands-on implementation of new business lines and operational enhancement, as well as investment advice to foreign institutions regarding equity investments.

To help bank re-position itself as a progressive SME bank in collaboration with DEG (KFB subsidiary) and formulate a detailed 3-years business plan inclusive of target market, product development, sales & distribution, risk, technology, operating models and financial plan.Responsible for P&L and ROTA targets through acquisition of new business, enhancement of existing portfolio and effective risk/ reward trade-off.Responsible for operating/ financial results of Product development, Distribution, Asset/Retail operations, Credit Policy, Analytics and Collections. To reduce Cost of funds, improve deposit mix and maturity profile of deposits and to create an efficient and effective Retail Operations.Develops & Monitor the comprehensive Risk Management Policy/ strategy which support Business segments strategy and Banks strategy.

Responsible for managing end-to-end credit cycle function for a well-diversified portfolio of over PKR 90 Billion. Portfolio includes Secured & Unsecured Loans, Cards, Merchant Acquiring, Business Loans and Non Fund based facilities with a customer base of over 500,000. Extensive evaluation / approval of credit proposals, PDD’s submitted by Consumer, SME, Commercial businesses based on financial, market, industry analysis, and macro / micro environmental impact studies.Identification of new business opportunities and evaluating new asset relationships while meeting the SBP Prudential's, Bank’s credit policy, Target market criteria, GCL/NCL and Loan impairment Goals.Establish operating policies and procedures relating to credit approval/ administration, verification, collections, risk mitigation, repossession/foreclosure management and fraud.Responsible for successful integration of Union Bank Consumer, SME and Commercial operations with Standard Chartered in terms of portfolio, process, system, technology, people and products without increasing the Net Credit flows.

To effectively optimize risk keeping in view the aggressive growth targets and changing industry dynamics.Responsible for managing diversified portfolio of over 350,000 customers which includes Secured assets i.e. Auto Loans / Leases, Mortgage, Business loans, Home Loans and Unsecured assets i.e. Charge Cards, Credit Cards, Personal Loans, KISAN Cards & Merchant Acquiring business of about 10,000 merchants.Development of Lending policies and handling of Underwriting, Loan maintenance, Fraud prevention, Legal / Recoveries, External agency management, Verifications, Authorization, Analytics & Collection units.Responsible for recommending changes to the Board regarding Risk management guidelines and Lending Policies.Due to excellent portfolio performance and processes, SBP reduced prudential reserve requirement of 5% and 3% against Unsecured and Secured portfolios respectively to 3% and 0.75% for Union Bank.Developed proxy based RAC's to manage the grey economy scenario without increasing risk levels.

Responsible for Product development/Launch, Acquisition strategy, Sales management, Customer franchise/ experience and Operating/ financial results of Consumer/ SME Assets business.Developed & Launched innovative products in 12 cities which include Business Loans, Home Loans, Auto Leasing / Financing, American express cards & Merchant Acquiring business. To employ best business practices that improves efficiency & reduces operating costs.Due to exceptional portfolio quality with excellent Audit ratings. Achieved market leader position among Private commercial/ foreign banks. Products like "Business Power", "American Express Card", "My Home" and "UniCar" helped Union Bank to become a house hold name.

Developed and tested the Institutional Sales Initiative for Branch Banking/ Distribution business. Actively coordinated with Product Managers and Institutions to develop a product bundle & marketing plan.Conceptualize and design Credit Parameters/ product programs for new strategic initiatives. Developed SME products to cater to fund based/ non-fund based financing needs of Middle market customers and Core Franchise associates (Auto Dealers / Merchants). Strengthen the Controls, Compliance/ Self assessment discipline for Branch Banking group.Played a vital role in banks LCY acquisition strategy and made “KAROBAR” brand a success.

Job strategic objective was to protect $100MM infected portfolio while reducing the overall risk exposure and to pass the ARR as the Credit shop and Country failed the last Risk Review.Developed a remedial plan which includes collection/ re-writing strategy to cure and restructure non-performing loans and Convert performing RF lines into Amortization Loans.Reduced the banks exposure by converting RF lines into Amortization plans with no resultant increase in flows. Revamp the Collection, Recovery, Legal shops through improved processes, policies and training of people responsible for implementing the strategyMortgage Management Unit’s performance was recognized and acknowledged as the best credit team during 1998/99. Effectively resolved outstanding "BRR" comments and successfully passed the 1998 peer review and 1999 "ARR" with exceptional MARS and Process ratings (5/5).Reduced portfolio exposure from US$ 100 million to US$ 23 million. Converted average NCL flow of around US$ 3.5 MM into negative NCL. Build a new $20MM term loan mortgage portfolio with delinquency below 1% and turn around the infected Mortgage Business.

Handled customers’ financial requirements and managed a portfolio of over US$ 100 million. Responsibilities includes Deposit mobilization, attrition management, and preparation of credit proposals based on business / risk evaluation and sale of sophisticated financial products to HNW customers. Managed sales and service goals for a team comprising of Citi Gold executives and Personal Bankers and maximize Customer Net Revenue by matching customer needs with available products. Country Top Performer for year 1996 & 1997 in Citibank Branch Banking and NRP Business.