To become the most relevant Digital Services Bank, MCBI decided to go Digital.The vision I brought into MCBI was, “Being Industry’s Preferred Digital Services Seller”• Formulated and obtained board approval for the bank's digital policy and strategy, setting the direction for digital initiatives over the next three years.• Successfully revamped the Mobile Banking App within a remarkable three-month timeframe, enhancing the user experience and functionality.• Established a strategic partnership with O-Pay for MCBI-Acquiring Business, enabling the bank to launch Acquiring service in record time from scratch in just five months.• Replaced the entire ATM fleet with new machines on an OPEX model in collaboration with NCR and IPL, completing the project within ten months.• Driving Digital Growth and Strategic Partnerships: Establishing Alliances & Loyalty, ADC Management, and Internal Sales Wings for Enhanced Digital Usage and Card Sales from 7000 to 12000"• Assembled a high-performing team of professionals from leading commercial banks, specializing in technology, product development, business transformation, and banking. • Drove digitization and innovation across the bank, transforming various processes, including Loan Origination Systems (LOS)/Whats App Banking/ concept paper.• Implemented AI/BI-based customer support systems and robotic automation, resulting in improved operational efficiency and enhanced customer satisfaction.

The vision I brought into HBL-MFB was, “Being the leading digital services seller in the industry”. Signed agreements, Integrations and successfully implemented alliances agents network across Pakistan to increase reach Signed industry’s first OPEX Model agreement for ATM and launched 100 ATMs Across Pakistan the largest in microfinance industry, maintained 98.9% service level for years 2018-2022 Launched PayPak EMV debit card & made it industry’s leading by issuing 500k+ and maintained top position. Launched MFB Social Media Channels with largest 750k followers among micro industry and most engaged and active channels Signed Largest Alliances & Affinity Partners network for Discounts to increase cards and IB/MB usage and penetration Signed Exclusive Agreement with SCO for USSD services for GB & AJK customers, allowing to conduct transactions through USSD Launched SMS Banking system allowing customers to conduct transactions through SMS from registered SIM Handling Covid-19 best by increasing footprints & digital channels Penetration Successfully launched Insta-1 (1-Minute account opening) and achieved 200% results of agreed targets in first 3 months. Successfully launched Insta-5 (Digital Conventional Account opening) in just 5 minutes  Launched and operated Banking on wheel from idea till its first operation Overseeing P&L impact and financial targets for digital channels. Launched FirstPay digital Nano Loans with PKR 500M+ disbursement in one year and PAR below 8% lowest in industry Launched and supervised LOS to handle end to end loan application life cycle in the field through tablets, this innovation won “Best Banking Tech of the Year” Award from PDA in 2019 Created the team of TOP professionals from TOP commercial banks, in Product Development, Sales, & Customer Servic Strategies Targeting 10 Million Customers base by 2025 Successfully launched in-house Branchless Banking System (M/E Wallets) through Social Media Sales Team

Looking after North Region for Technology At Work (Pvt) Limited (Telecommunication Services Providing Company)

RResponsible for sales and services portfolio of Prepaid business, including 3g/4G, LTE, WiMAX,Telephony,IPTV, OFAN, & TripplePlay services & Prepaid cards for services.Achievements Highest selling region of Wateen in SME/ Corporate segment Highest sales of Voucher Card (WCard) in the Pakistani telecom market Management of customer touch points, including Franchises, Dealers Mystery shopping for product availability, customer’s services, support, and quality assurance nationwide Strategies and implemented Corporate & Group Selling The strong distribution network for Prepaid Voucher Card in region with more than 7,000 Retail Outlets

Sales, and business development portfolios of the company. Was responsible to successfully acquirea larger market share for the company in Dialup, DSL, Prepaid Cards, DXX and ISDN products. Responsible for almost 30 Points of Presence(customers touch points) for sales, services, and customer support functions.Achievements Revamped sales & distribution setup of a Govt Cultured Company (PTCL was Govt owned company) Responsible for all corporate and consumer Sales in Whole Region Implemented /Support new business initiatives and generate new revenue sources for company and achieve 140%ofproduct wise allocated targets Achieved Highest-Ever Revenues of the company (27 Million per month from 8 Million per month) Changed the culture of the company from ‘Service Providers’ Company to ‘Service Selling’ Company

Regional HResponsible for sales management of the Islamabad area. Services of Internet Cards, Internet Dialup, DSL, ISDN, DDP, and Wireless were the parts of the portfolio. The key purpose of the position was to increase product penetration and market share of the company.Achievements Made and managed most performing Sales Team of the company area wide Launching of Net Infinity Package in Islamabad Zone Doubled sales since promoted as ASM in 2004 by Proffered agreements with IESCO, Shell, LMKR,Schlumberger, Mari Gas & AFIC becoming the only internet supplier to these companies Highest market shares in assigned area Major accounts in Govt & SME Sectors Franchised Operations in more than 10 stations Customers services and support function’s managementead of SME Sales Center