Driving the successful implementation and management of strategic digital initiatives, including payment cards, internet banking, mobile apps, phone banking, RAAST, and digital onboarding. Responsible for P&L management, KPI achievement, and ensuring operational excellence and growth across all digital channels.Successfully re-launched the International Payment Scheme Card and implemented 3D Secure for enhanced security. Collaborated closely with the 1Link team to improve PayPak card acceptance, actively identifying non-acceptance locations, which led to a 200% increase in POS spend for the PayPak portfolio.Spearheaded the launch of Cheque & Cash Deposit Machines (CCDM) with advanced features and an expanded transaction set to optimize performance. Focused on ATM business optimization through detailed transaction and uptime analysis, driving improvements by making strategic, data-driven decisions. Revamped ATM processes by developing new transaction screens, enhancing convenience and creating a seamless experience for customers. Currently working on introducing new transaction sets, unique to Pakistan’s ATM landscape, aimed at boosting channel income. Additionally, leading efforts in business optimization by identifying, replacing, and swapping ATMs based on profitability metric.Furthermore, proposed the proposition of Off-Site ATMs since there were no commercial off-site ATMs deployed by the Bank. Played a vital role in the UAT & launch of new Mobile App & Internet Banking and through channelized market achieved the ever highest number of downloads & registration during the first month of the re-launch. Similarly launched the PayPak & Supplementary Debit cards and managed all the related marketing activities.Responsible for development of product campaigns, customer education programs and staff training for maximum take-up of digital banking services.

Summit Dolmen Loyalty Card Program was a joint venture of Summit Bank Limited and Dolmen Group intended towards facilitating Summit Bank customers to get lucrative discounts and deals at merchant outlets located under the roofs of all three properties of Dolmen Mall. Under the supervision the project achieved exceptional growth both in terms of transactions and account opening, during the span of 8 months transactions increased by 2000% and account opening improved by 450%. This was made possible by revamping the product based on market dynamics & developing new SOPs for Account Opening, Kiosk Operations, Merchant Settlements. Successfully handled the re-launch activities of the product from pre-launch communication and marketing strategies to for two mega events held at Clifton & Tariq Road Malls and efficiently managed the post launch customer registration pressures since it was increased by 250% .

Guiding the sales team by developing a structured sales process, analyzing sales performance within the framework of that process, and implementing solutions based on the results of their analysis.Apart from managing the post sales activities have successfully done the account management for corporate clients like Faysal Bank, UBL & Mobilink.

Managing the sales and marketing activities for the entire North Region. Responsible of exploring new business avenues and develop new product portfolios based on customer requirements. Also managing activities related to financial sector products at nationwide. Since being responsible for the entire north region the horizon of responsibilities has broadened. Apart from business development activities also have to look after operational & support activities. Since taking charge of the region have been able to understand the working style of this region which is quite different as compared to previous region. Have been successful in breaking the ice and launched 3 projects back to back after 12 years and successfully managing these projects. Apart from these projects have been able to project the companies image in corporate sector especially Telcos and have been participating in various RFPs from these companies.

Worked as the strategic interface assigned for the purpose of business development, solution discovery, service management and relationship management. Served as a lead, for the planning and execution of initiatives to enable the programs effectively by communicating decisions, priorities and relevant project information to appropriate levels of staff regarding service requests, projects and initiatives.Developed the skills to communicate clearly, negotiate, listen, mitigate conflict, build alliances and achieve desired results using strong interpersonal and diplomacy skills.

Develop excellent relationship with Corporate and Retail clients. Developed sales opportunities by researching and identifying potential accounts, soliciting new accounts, building rapport, conducting sales presentations and preparing quotations.Training of sales team regarding merchant sales. Prospecting, cold calling and qualifying new business opportunities.Increase sales within existing or new accounts by creating value to customers of company's solutions.Work with internal marketing/sales, operational, and technical teams to ensure smooth customer service.Designed a set of Business Proposals for signing merchants of Loyalty & AcquiringConstantly involved in MERCHANDISING, card member data base to our merchants and delivered their messages through billing inserts

In charge of Inventory Management section of Finance and Accounts department responsible for movement, insurance and recovery of Point of Sale Terminals and other fixed assets deployed nationwide.