Sofia Rafique Email & Phone Number

Lahore, PK

Lahore

• Effectively achieved branch portfolio growth to PKR 7.5 B, experiencing a substantial 40% increase in just 5 months.
• Maximized the customer base in Corporate Banking by fostering positive relationships with high-net-worth clients.
• Efficiently managed a diverse asset/liability branch portfolio, catering to Retail, SME, Commercial, and Corporate Clients.
• Successfully boosted the Current Account (CA) base by an impressive 150% and improved branch profitability by 60% by the end of the first quarter of 2023.
• Enhanced branch profitability by skillfully managing net interest income through the acquisition of low-cost deposits.
• Increased branch revenue by expanding non-funded income channels, including FX, trade, and wealth management products.

• Proficiently managed a diverse array of branches in the area, accomplishing 100% of the targeted deposit growth during my tenure.
• Acknowledged and rewarded for attaining unparalleled sales performance as the area manager for wealth management products in 2020, 2021, and 2022.
• Garnered the esteemed distinction of being named the Employee of the Month in June 2021 for exceptional accomplishments, specifically in securing the highest number of acquisitions in Current Account and Savings.
• Consistently earned the highest accolade of a 5-star rating for two successive years, 2019 and 2020, in recognition of exemplary performance and ranking among the bank's elite performers.
• Formulated and executed comprehensive sales strategies to achieve multifaceted objectives, including the expansion of deposits, growth in loans, facilitation of trade finance, consumer lending, wealth management, and.
• Ensured unwavering adherence to the Service Management Program by continuously scrutinizing and optimizing processes, practices, and resource allocation, thereby upholding and surpassing exceptional service standards.

• Possess extensive expertise in branch management, having worked in both Conventional and Islamic Banking sectors at MCB Bank and MCB Islamic Bank.
• Achieved remarkable growth of over 400% in the Current Account and Savings Account (CASA) category during my tenure as the branch manager at Thokar Niaz Baig.
• Exceeded expectations by accomplishing 200% of the target in qualifying CASA and Bancassurance campaigns, which led to receiving performance awards in 2019.

• Demonstrated outstanding leadership as the branch manager at Wahdat Road Branch, driving an overall portfolio growth of 300%.
• Achieved an impressive incremental growth of 500% in the total branch portfolio while serving as the branch manager at Old Race Course Branch.
• Earned recognition for the highest growth in Current Accounts in 2008 during my tenure as the branch manager at Model Town Branch.
• Received a Certificate of Excellence for exceptional performance as the best branch manager in Bancassurance Sales in 2014.
• Recognized with a Certificate of Appreciation for outstanding performance in Bancassurance Sales in Q3 2014.
• Honored with a Certificate of Appreciation for being the best branch manager in Bancassurance Sales for two consecutive quarters in 2013.

• Recognized and awarded for achieving the highest sales volume in 'Bancassurance Sales' nationwide.
• Demonstrated effective leadership by overseeing a team of skilled Business Development Officers, fostering new-to-bank (NTB) business growth through a robust referral model.
• Successfully expanded the branch's customer base by an impressive 75% within a span of one year, utilizing the Business Development Officer (BDO) channel.
• Achieved remarkable growth in the deposit portfolio, exceeding 150% by December 2007.

Masters, Ms Management Sciences (Major In Hrm)

Mba, Mba-Executive