IRMD

AREA UNDER INFLUENCEAll the prospective areas of Consumer and Business Banking Group for Central & North Region Managing more than 60 Branches 50 cities.•Manage regional credit initiation unit for secured & unsecured products and underwriting risk for consumer banking with the objective of balancing business growth with appropriate controls.•To be business friendly with positive approach towards business growth without compromising controls.•Develop back-ups of… Show more AREA UNDER INFLUENCEAll the prospective areas of Consumer and Business Banking Group for Central & North Region Managing more than 60 Branches 50 cities.•Manage regional credit initiation unit for secured & unsecured products and underwriting risk for consumer banking with the objective of balancing business growth with appropriate controls.•To be business friendly with positive approach towards business growth without compromising controls.•Develop back-ups of all initiation Units, sub Unites and operational functions.•Increase productivity by reduced resource requirement or by simplify processes work smartly without increasing extra resources. •Capacity planning to be updated regularly in order to assess surplus / shortfall in resource.Business Trainer (CMM & SME) •Additional Task of business trainer (CMM & SME) for product and system related.•Ensure both segments (CMM & SME) staff should be certified. Show less

Credit Initiation Unit, Personal Loans•Responsible to process all personal loans according to policies and procedures.•Provide timely and value added feedback to policy, sales, FRMU & collections on any -ve trends or observations.•Increase productivity by reducing resource requirement or by absorbing higher volume of work without increasing resources. (Productivity enhancement will be measured based on cap plans).•Screening all personal loan customers through internal… Show more Credit Initiation Unit, Personal Loans•Responsible to process all personal loans according to policies and procedures.•Provide timely and value added feedback to policy, sales, FRMU & collections on any -ve trends or observations.•Increase productivity by reducing resource requirement or by absorbing higher volume of work without increasing resources. (Productivity enhancement will be measured based on cap plans).•Screening all personal loan customers through internal system.•Working closely with Documentation Verification Unit to ensure that all files are updated.•Training and development of new hiring on various functions performed for evaluation of loan applications.•Responsible also for analyzing workflow, enforcing quality controls and making recommendations to senior management to improve efficiencies within the unit.•Insurance of all turn around times and SLA’s are met Show less

Credit Initiation Unit, UBL-Cash Line, UBL - Drive ,Personal Loans & Cards.Leading more than 100 Branches 30 cities.•Scrutinize and sanction loans based on criteria set by Credit Policy while ensuring compliance with local laws and regulations and effectively meeting business targets.•Responsible for signing Cash Line, Personal Loans, Credit Card cases as Limit Signer.•Strong follow-ups regarding policies & procedure improvements.•Ensure enforcement of proper… Show more Credit Initiation Unit, UBL-Cash Line, UBL - Drive ,Personal Loans & Cards.Leading more than 100 Branches 30 cities.•Scrutinize and sanction loans based on criteria set by Credit Policy while ensuring compliance with local laws and regulations and effectively meeting business targets.•Responsible for signing Cash Line, Personal Loans, Credit Card cases as Limit Signer.•Strong follow-ups regarding policies & procedure improvements.•Ensure enforcement of proper SLA’s between CIU and integrated departments•Evaluate risks and furnish continuous feedback through MIS on key portfolio trends to CIU staff, policy managers and senior management.•Ensure that CIU updated procedure manuals are available to concerned staff and ensure that they are updated with current policy and regulatory requirements.•Ensure that Audit requirements are met as per policies and procedures. Show less

MIS Coordinator (Jan 2003 to July 2004) •Handling Database (BASIS) •Sales / Financial Reporting & Analysis•On Route TrainingSales Coordinator (July 2002 to Jan 2003)•Managing Sales and Distribution •Sales Settlement (Documentation) •Coordination with the other departments •Customer Care •Promotion Handling •Sales Projection •Target Handling•Handling Admin Activities