Responsible for portfolio management of all SME products (program based) both secured and unsecured, portfolio size worth PKR 50 billion.Part of application and behavior scorecard development and implementation team.Monthly monitoring of scorecard MIS.Responsible to prepare monthly loss forecasting for management and keep NPL and NCL within budget. Responsible for reviewing deviation cases within approved TATs. Responsible for developing all product programs, policy updates and their renewals.Responsible to prepare presentation for senior management on monthly credit and portfolio performance.Responsible to review various product MIS pack with senior management and take corrective measures when required. Responsible to keep eye on score MIS of each product.Responsible to prepare credit bulletins for senior management. Responsible to conduct various system UATs for portfolio health.

Responsible for developing new business avenues for the company and generate new business ideasResponsible for generating new business acquisition from NON-ORIX CustomerManaging existing portfolio of corporate customersProviding quality services to the customers

Responsible to sign various merchants as Bank Partner to provide discounts to bank's card customers.Responsible to increase card spend via launching multiple partnerships for credit card installment program.Responsible for revamping reward program.

Achievement1. Successful launch of Strategic Business Partnership with Big Brands like Pizza Hut, KFC, Burger King, TGI Fridays’, Etihad Airways and Shapes Health Studio2. Part of core team of re-branding project3. Successful execution of re-branding4. First ever dining discount program of 50% off in banking industry of Pakistan Responsible for increasing card spend of total card portfolioAssisting Acquisition team in new acquisitionsResponsible for annual budgeting exercise Responsible for conversion of non-active to active portfolioResponsible for business alliances & loyalty campaigns for credit/debit cards and other business functions within the bankTeam member of upcoming product launches i.e. Kids Account, Women’s Banking and Premier BankingResponsible for presenting the idea of new identity at retail levelDetail branches and offices survey was conducted to know the area of branding sites which helped us in knowing the total project costPrioritize the branches for re-branding as per their geographic and business importanceDeveloped unique and cost saving drop boxes which is used for credit card and utility payment, complaints and suggestion boxes Assisting line manager in acquisition of temporary and permanent out-of-home sitesResponsible for conducting analysis on spend behavior of credit and debit card customersResponsible for making process of each loyalty & alliance related campaign

Achievements1. Awarded “Service Champion” in Consumer Banking of HBL in the month of May 20122. Successful migration of Citi bank portfolio3. Successful implementation of process of lien marking exercise4. Successful UAT of write-off module on core banking systemTo manage the unsecured credit portfolio with a total volume of Rs 14 billion (USD 129 million) in context of risk management and portfolio analystRe-structuring of collection and recovery setup of consumer bankingTo work together with Product/Business team for different policy updates and Product Program up gradation.Responsible for Budgeting, quarterly and annual Consumer loss rates and provisioning of non-performing loans.Loss Forecasting, Risk analysis, and Portfolio Management to predict high risk aspects of the portfolio and deal with the possible issues preemptivelyDeveloped a forecasting model for loss rate prediction of the unsecured portfolioResponsible for development and up gradation of credit lending policies in line with both macro and micro economic conditions to ensure lending to the most credible borrowers and reduction of Non-performing loans. Responsible for stress testing the entire Consumer Banking exposure to Non-Performing Loans in secured and unsecured assets by both scenario analysis and sensitivity analysis, in lines with the State Bank of Pakistan's guidelinesResponsible for UAT related to up gradation of systems and new product development which facilitates the end users, both internal and externalResponsible for monthly reconciliation of unsecured portfolio and the provisioning of non-performing loansTo conduct Monthly Quality Assurance and ensure compliance of regulatory authority and safeguard of internal risk measuresTo cascade and monitor monthly collection targets to respective collection managers, and guide them in all collection activities

To assist in Marketing Services Activities.To prepare monthly accruals of Marketing & Strategic Planning department.To review MPR monthly.To train alliance partners and merchants for business acquisition and coordinate for marketing deliverables.To manage and ensure end to end placements of marketing deliverables at all branches nationwide.To coordinate with ad agencies in order to initiate and completion of marketing project.To build strong relationship with Vendors.To supervise & manage the Vendors payments on time. To resolve LMS (Leads Management System) related queries of nationwide branches.To upload and mining the data of LMS on daily basis.To prepare MIS of LMS and daily reporting to the upper ManagementTo prepare Channel Wise, Product Wise, & Regional Wise LMS.To push Branches to focus on Conversions.To prepare presentation on Economic Review and on Monetary Policy of SBP.