 Introduced new business offerings, re-organized business units, strengthened controls and focused on shredding stressed assets that resulted in achieving over 25% growth in profitability, and improvement in shareholders’ value.  Designed 5 years strategy to focus on directing investments towards agriculture & livestock, food security, climate resilience, information technology and emerging export sectors. Developing partnerships with Saudi Arabia public and private sector… Show more  Introduced new business offerings, re-organized business units, strengthened controls and focused on shredding stressed assets that resulted in achieving over 25% growth in profitability, and improvement in shareholders’ value.  Designed 5 years strategy to focus on directing investments towards agriculture & livestock, food security, climate resilience, information technology and emerging export sectors. Developing partnerships with Saudi Arabia public and private sector institutions for promoting trade and investment flows by introducing business facilitation and Financial Advisory services and present one stop shop solution to its local and international investors.  Installed Investment banking and financial advisory department with a key focus on originating debt syndication mandates for project finance, impact based inclusive development and climate smart initiatives.  Working with Digital Finance Consultant to establish Digital Finance Strategy of Saudi Pak to capture potential business opportunities in this space. Show less

 Developed Business Plan for the first ever Export-Import Bank of Pakistan an official Export Credit Agency of the country.  Designed business distribution strategy through Regional and Representative offices and installed Business teams  Introducing Export Credit Insurance products in the market in partnership with Multilateral Development Banks; working with regulators and industry leaders to roll out non-collateralized, Cashflow based export finance facilities for Corporate… Show more  Developed Business Plan for the first ever Export-Import Bank of Pakistan an official Export Credit Agency of the country.  Designed business distribution strategy through Regional and Representative offices and installed Business teams  Introducing Export Credit Insurance products in the market in partnership with Multilateral Development Banks; working with regulators and industry leaders to roll out non-collateralized, Cashflow based export finance facilities for Corporate, Commercial & SME customers.  Engaged with Commercial Banks to introduce export financing facilities for priority segments and sectors, against EXIM Bank’s credit enhancement guarantees. Show less

Corporate Finance & Investment Banking: Focusing on building partnerships with Micro Finance Banks & Institutions, Commercial Banks, Micro Finance Vehicles/Funds and multilateral agencies to develop and roll out market based innovative financing solutions to promote financial inclusion objectives. Structured and rolled out long term financing products for Micro Finance players and engaged with industry players to promote a steady stream of innovative financial solutions tailored to… Show more Corporate Finance & Investment Banking: Focusing on building partnerships with Micro Finance Banks & Institutions, Commercial Banks, Micro Finance Vehicles/Funds and multilateral agencies to develop and roll out market based innovative financing solutions to promote financial inclusion objectives. Structured and rolled out long term financing products for Micro Finance players and engaged with industry players to promote a steady stream of innovative financial solutions tailored to the specific needs of valued micro finance partners.  Evaluating strategic Investment opportunities under National Financial Inclusion Strategy in areas like FinTech start-ups, Micro Insurance, Micro Asset Management and other Block Chain stakeholders. Supporting Micro Finance industry players to reach out to Capital Markets through innovative and un-conventional platforms Digital Finance Strategy: Striving to improve business efficiencies of Micro Finance players by promoting digital solutions that help in reducing operational costs, eliminate inefficiencies and bring controls in business processes. Working with Digital Finance Consultant to establish Digital Finance Strategy of PMIC to capture potential business opportunities in this space.  Working with Sector Development Team of PMIC to digitalize Micro Plus initiatives like Solar Energy Initiative for off grid locations, Low cost Education initiatives, Women Empowerment programs etc. Show less

 Lead the transformation of Financial Institution department in UBL from a support function to thriving business generating & referring unit and achieved unprecedented growth in business coverage and profitability.  Developed and executed China Business strategy for UBL and build synergies with Chinese Policy Institutions and State owned entities to build profitable and sustainable business portfolio.Financial Institutions Group Established and managed integrated electronic… Show more  Lead the transformation of Financial Institution department in UBL from a support function to thriving business generating & referring unit and achieved unprecedented growth in business coverage and profitability.  Developed and executed China Business strategy for UBL and build synergies with Chinese Policy Institutions and State owned entities to build profitable and sustainable business portfolio.Financial Institutions Group Established and managed integrated electronic Clearing and Settlement structure of Agents and Retailers for “Esypaisa” and “Mobicash”, which are the largest Branchless Banking service providers in the country. Developed and executed digital solutions for managing Cash flows of “Securities & Exchange Commission of Pakistan”, “Zarai Taraqiyati Bank Ltd”, “State Life Insurance Corporation”, “House Building Finance Corporation” etc. Developed and executed Cash Management and settlement solution for “Central Depository Company” of Pakistan to facilitate International Portfolio investments through SCRA accounts framework and local Asset Management Companies under Trustee model.  Worked with UBL’s digital teams to develop and market VISA & Master Card enabled International Merchant Acquiring product for crowding-in international investments and donations into the customer accounts in Pakistan. China Business Unit Executed global sales strategy within defined client portfolio, build relationships with key decision makers and senior leadership to excel. Managed relationship with Government of Pakistan Ministries, Chinese Policy Banks and State owned entities to leverage the opportunities and grow shareholders value. Developed customized products for Chinese customers (in Mandarin) and installed Chinese speaking Relationship Managers to ensure consistent in service delivery.  Arranged long term project finance On – Lending credit facilities in USD for the Bank to contribute and participate in strategic projects. Show less

Was responsible for supervising Sovereign Risk exposure (Government of Pakistan, Ministry of Finance and State Bank of Pakistan) of over USD 4.0 bn. for the Bank and managed Bank portfolio carrying funded and non-funded exposure of USD 550.0 mn and cross border limit of USD 1.0 Bn. for trade related transactions. Key achievements include; Have achieved lead correspondent Bank position in Clearing and Trade confirmation business and achieved highest ‘White Label/Relay’ mandates in… Show more Was responsible for supervising Sovereign Risk exposure (Government of Pakistan, Ministry of Finance and State Bank of Pakistan) of over USD 4.0 bn. for the Bank and managed Bank portfolio carrying funded and non-funded exposure of USD 550.0 mn and cross border limit of USD 1.0 Bn. for trade related transactions. Key achievements include; Have achieved lead correspondent Bank position in Clearing and Trade confirmation business and achieved highest ‘White Label/Relay’ mandates in 2011. Successfully completed AML & KYC review of entire customer portfolio for PEP & CBES as per FSA (UK) guidelinesSuccessfully established Investors & Intermediaries Portfolio (Non-Banking Financial Institutions) for the Bank and achieved 25% growth in revenue consecutively for three years. Achieved leading position in Transaction Banking, Capital & Global Market space through acquiring large ticket mandates and relationships. Originated, Advised and Arranged, Structured Finance & Capital Market transactions valuing USD 200.0 mn. with embedded Derivative solutions.  Advised and arranged first ever Sukook Issue for “House Building Finance Corporation” (HBFC) of Pakistan. Developed and promoted commercial financing structures for special segments such as Micro Finance, Real Estate Investment Trusts etc. Promoted Capital Market vehicles to arrange long term liquidity for industry players and successfully arranged Retail Bond, Commercial Papers, Term Finance Certificates (listed and un-listed), Syndication etc. Supported Foreign Currency funding transactions by offering rate and currency hedging solutions. Show less

Was an Integral member of the Corporate Banking team and managed credit portfolio of USD 250.0 mn of Corporate & Institutional customers. Key achievements include; Consistently exceeded financial goals in all assignments and remained a part of “High Performers” list, achieved 20% YoY revenue growth consecutively.  Booked new relationships, achieved more than 70% growth in advances and trade business through aggressive marketing and devised and implemented work out strategies on… Show more Was an Integral member of the Corporate Banking team and managed credit portfolio of USD 250.0 mn of Corporate & Institutional customers. Key achievements include; Consistently exceeded financial goals in all assignments and remained a part of “High Performers” list, achieved 20% YoY revenue growth consecutively.  Booked new relationships, achieved more than 70% growth in advances and trade business through aggressive marketing and devised and implemented work out strategies on weaker credits, Arranged and Advised Syndications/Term Finance Certificates of more than Rs. 9.0 bn. (USD 150.0 mn) for Corporate and Institutional customers. Show less