Shabnam Minhas Email & Phone Number

Karachi, Pk

Pakistan

Consultancy in Retail Banking, Commercial and SME, with a focus on driving operational excellence across key departments including Branch Operations, Trade Finance, Cash Management and Digital Solutions.Enhancing Customer Experience and Service delivery for Banking Customers Transformation and process reengineering related to Banking Operations, Trade Finance, Cash Management and Service QualityConducting Training and Intervention for Branch Managers, Relationship Managers, Area and Regional HeadsConducting Trainings related to Operations Excellence, Trade Finance and Fraud Prevention etc.

Karāchi, Sindh, Pakistan

After spending 25 years in the corporate sector and having a high-profile career, I decided to form a company which will work on gender equity to build a strong community of women at work. Unfortunately, I witnessed in my career that women at times make choices that most men don’t have to make. In addition, it is important to create an environment that gives equal opportunity to everyone to thrive.We hope that women are treated with parity, that we are a team in the world, and that this world becomes a team sport.VisionHer is a powerful coalition of ambitious and compassionate women who believe there is strength in collaboration. We help women to stay connected in an increasingly disconnected world. Our aim is to support women build meaningful local and digital relationships that can offer insights and open doors.

Pakistan

• Leading and managing entire Operations of functions within TTS which includes Cash Management, Trade finance, Account Onboarding, Commercial Cards, Citi Service and Digital Service• Responsible for performance and development of all department/unit heads within PakistanTTS CO, ensuring the focus on resource / capacity management, people development andteam building to prepare successful pipelines for their functions/products. Also, member of MEA TTS Leadership team and the Pakistan Franchise Management team • Accountable for working with all department/unit heads, team leaders and employees in TTSCO areas as well as non-TTS CO areas to ensure successful Regulatory and Audit reviewswithin the Pakistan Franchise, ensuring full Compliance with local policies and regulations• Maintaining close and successful interaction with local Regulators, Central Bank,Governments and Auditors• Develop, manage and sustain Operations and Service in the Pakistan Franchise aligned withthe business objectives and strategies • Maintain robust and complete oversight and ongoing monitoring of all core processes done in-country or that are outsourced or offshored• Responsible for identifying issues and resolving them proactively, resolving escalations withinPakistan Franchise to ensure safety & soundness as well as high quality of services and Clientexperience.• Driving expense budget and other financials and metrics for TTS CO to achieve strategictargets set• Responsible to develop and foster a robust, highly control focused environment• Collaborate with peers and country management in designing and implementing programs to improve client satisfaction, operational efficiency and team effectiveness• Responsible for implementing Global and Regional strategies pertaining to TTS CO in the country

Karāchi, Sindh, Pakistan

Responsible for Planning and monitoring of 193 branches including Islamic Banking branches in terms of Deposit Mobilization, maintaining Country wide Cost of Fund, Recovery of NPLs, Trade Business, Operations Control, Audit and ComplianceAnalytical review of the performances of Regions, Areas and Branches, including their Deposits, CASA Deposits, COD, Concentration and ProfitabilityAssess market conditions, define, recommend, implement and monitor Retail Banking Strategy in order to gain and sustain the bank’s competitive edge and resultsIdentify high profile customer’s needs, initiate action and follow up in order to meet customer’s expectationHandle countrywide complaints and resolution including restructuring of loans/portfolios Establish goals, plans, policies and procedures that are consistent with overall Bank’s policies.Re-engineering of process related to Liabilities to ensure revenue growthEnsure uniformity in the processes and procedures of all branches and identify gaps if any Manage the Distribution / Branch network of the Bank through RGMs and team of AMs, BMs and Branch Staff. Overseeing the controlling, monitoring and supervising the Branches with regards to the implementation of SOPs, time to time instructions of the regulator on different issues and overall ambiance of the branchesLead special project of Rationalization and relocation/merger of loss making and high cost branches in coordination with Admin Department Device a mechanism of Special Rates given to branches and ensure rates are given considering overall cost of deposit of the bankDevelop Strategy and guide BMs of loss making branches so that they can reduce expenses, increase fee income and park good assetsConduct performance appraisals on regular basis, prepare development plan and performance improvement plans for low performers enabling them to grow professionally. Work on succession planning and retention of quality staff

Karāchi, Sindh, Pakistan

Responsible for twenty branches and three trade Hubs including Islamic branches in terms of Deposit Mobilization, (CA+SA), Cost of Fund, Profitability, Recovery of NPL’s, Trade Business, No. of Accounts opened, Credits / Lending Business and other products targets. Also responsible for the Operations Control, Compliance, Audit, Product processing and Service deliveriesConduct regular meetings with Branch Managers and Operation Managers of the region to ensure compliance of Retail Banking Operations Guidelines/Controls and approved SOP’s and PoliciesTo prepare budget estimates of the year for all "Controllable" expenses of the branches and ensure that expenses of the branches are within approved limits and also ensure optimum utilization of resourcesHandle complaints and disputes of customers of diverse nature including restructuring of Commercial LoansDevelop Strategy for the branches which have higher Cost of DepositConduct performance appraisals on regular basis, prepare development plan and performance improvement plans for low performers enabling them to grow professionally. Work on succession planning and retention of quality staffConduct Product Knowledge Sessions from time to time to update Staff’s knowledge of Bank’sProducts, SOPs , KYC guidelines, Customer Service and Cross Selling

Pakistan

To Lead a team of Trade Compliance Advisory with the purpose to assess, analyze and provide advisory to Trade Hubs and Trade branches on the cases referred under Sanctions, Trade Based Money Laundering and Terrorist Financing, Defense and Dual Use Goods Concern and Local Regulations. Implementation of TBML Red Flags, enabling control and oversight over trend and transactions of clients. To identify deficiencies in the process and work closely with Trade Hubs and remove gaps which may expose bank to Compliance and Regulatory Risks.To ensure policies and procedures are in place to combat Trade Based Money Laundering and Terrorist Financing.

Karachi

Karachi - Pakistan

Lead a team of 20 officers and 3 TLs handling Corporate and Commercial portfolio and ensure delivery of quality and timely service to all trade customers by crafting and creating team of individuals capable of delivering the sameMaintain relationship with 250+ Corporate and Commercial clients manage and service their accounts Heading Complaint Handling unit where complaints and disputes of customers were resolvedHandle all operational issues of customers and cross sell trade finance, cash management and treasury productsManage and monitor credit linesOpen various kind of accounts (saving/current/trust/internal link/foreign currency)Supervise foreign trade transactions including L/Cs, payments and rollover of foreign currency loansMaintain relationships with cross functional teams to structure complex transactions Develop various business processes and modify procedures to ensure smooth and quality service and to minimize cost and increase efficient customer delivery for number of bank productsConduct performance appraisals on regular basis, prepare development plan and performance improvement Assess development needs of staff and arrange trainingsConduct in house skill and knowledge development courses for the department so that the ability to comprehend and respond customer queries can be enhanced

Karachi - Pakistan

Karachi - Pakistan

Karachi - Pakistan

Karachi - Pakistan

Mba, International Business, Gold Medalist (Gpa 3.9)

MBA in International Business secured 1st Position and Gold Medal with GPA of 3.9

Bachelor Of Commerce (B.Com.), Accounting And Finance