Salman Ashraf Email & Phone Number

Karāchi, Sindh, Pakistan

• Leading the Business Technology Department for one of the largest Islamic banks, overseeing a portfolio of technology initiatives across Retail Banking, Corporate & Transaction Banking, Cards & Payments.• Driving strategic technology transformations to align with organizational goals, enhancing customer experience, and streamlining operational processes.• Leading a winning team to deliver end-to-end technology solutions through comprehensive … Show more • Leading the Business Technology Department for one of the largest Islamic banks, overseeing a portfolio of technology initiatives across Retail Banking, Corporate & Transaction Banking, Cards & Payments.• Driving strategic technology transformations to align with organizational goals, enhancing customer experience, and streamlining operational processes.• Leading a winning team to deliver end-to-end technology solutions through comprehensive stakeholder engagement, ensuring alignment between business needs and IT capabilities.• Spearheading multiple technology projects by facilitating requirements elicitation, current state assessment, and future state design to meet the bank’s strategic objectives.• Ensuring enhanced project delivery timelines to reduce time to market for technology solutions. Show less

Karachi

Worked as a Digital Transformation team lead in the largest Islamic Bank of the country. Bringing positive change in the organization in terms of improving and digitizing operational processes, reducing operational cost and innovating customer journeys through data driven digital process transformation.• Identify value driven process improvement projects through in-depth cost benefit analysis. • Ensure Identification of root causes of problems within existing processes and… Show more Worked as a Digital Transformation team lead in the largest Islamic Bank of the country. Bringing positive change in the organization in terms of improving and digitizing operational processes, reducing operational cost and innovating customer journeys through data driven digital process transformation.• Identify value driven process improvement projects through in-depth cost benefit analysis. • Ensure Identification of root causes of problems within existing processes and development of revised TO BE processes and Business requirements using design thinking and lean six sigma methodology.• Work closely with stakeholders on implementation and monitoring of improved processes.• Involved in development of Digital Strategy and Key Performance Indicators (KPIs) for enhancing digitization in the organization. Key Projects: • Process improvement and digitization of Small & Medium Enterprise (SME) & Commercial Financing processes.• Process improvement & digitization of House Finance Case approval process leading to reduction in case approval turnaround time.• Design of Shariah Audit portal to enhance financial controls.• Design of Embedded Digital Distributor Financing through Fintech.• Design of Digital Financing Platform for offering embedded Supply Chain Financing • Digitization of Hajj Application process.• Explored avenues for implementation of Generative AI in internal processes Show less

Pakistan

Successfully carried out strategy and organization transformation assignments in diverse industries including FMCG and Pharmaceutical distribution, Fiber Optic Cables, Information Technology, Poultry, Retail, Textiles and Healthcare. Key Assignments:• Carried out Business Process Re-Engineering (BPR) assignment leading to process improvement and automation in a large FMCG distribution setup.• Involved in Strategic Planning Sessions for multiple clients helping them firm up their… Show more Successfully carried out strategy and organization transformation assignments in diverse industries including FMCG and Pharmaceutical distribution, Fiber Optic Cables, Information Technology, Poultry, Retail, Textiles and Healthcare. Key Assignments:• Carried out Business Process Re-Engineering (BPR) assignment leading to process improvement and automation in a large FMCG distribution setup.• Involved in Strategic Planning Sessions for multiple clients helping them firm up their vision and mission and develop medium and long term goals.• Carried out Functional Diagnostic Review and Gap Analysis of organizations helping in identifications of gaps in Governance, Corporate Strategy, Organization structure, Processes and Internal Controls.• Developed Organization Structure, Department & Position Profiles, Policies & Procedures and KPIs for effective people management in multiple family businesses as well as commercial and corporate organizations. • Carried out recruitment for mid to senior level positions for multiple organizations to fill skill and leadership gaps in the organization. Show less

• Carried out screening and financial analysis to determine Shariah Compliant investments with superior returns for placements.• Monitored the investments Portfolio and proposed timely decisions for divestment and conversion for optimal returns.• Prepared Illustrations for clients showing the growth of their savings in future years incorporating their special needs in the plans. • Part of the team to implement Japanese Quality Management techniques such as Five “S” and Lean Six… Show more • Carried out screening and financial analysis to determine Shariah Compliant investments with superior returns for placements.• Monitored the investments Portfolio and proposed timely decisions for divestment and conversion for optimal returns.• Prepared Illustrations for clients showing the growth of their savings in future years incorporating their special needs in the plans. • Part of the team to implement Japanese Quality Management techniques such as Five “S” and Lean Six Sigma techniques in the organization. Show less

Executive Mba, General Management

Bsc Honours, Accounting & Finance

Graduated with Majors in Accounting & Finance and Minor in Mathematics. Completed a Senior Project on Islamic Banking & Finance.

A-Levels, 4 As

O-Levels, 5 As 3 Bs

Advance Course On Aaoifi Shariah Standards

Completed Advance course on AAOIFI Shariah Standards applicable in Islamic Financial Institutions from IBA Centre for Excellence.