Umar Rafique Email & Phone Number

Lahore - Pakistan

• Conceptualizing and executing the Financial Inclusion in the country by converting retail outlets to Virtual Branches• Establishment of Branchless Banking Agents to provide basic banking needs for the unbanked population of Pakistan• Seamless execution of mega G2P projects (including BISP) through BB Agents• Developing collection/disbursement products to facilitate FMCGs / MNCs / MFIs through dedicated network of BB Agents• Developing Financial Ecosystem to make HBL first choice of Customers as well as Governmental / Non-Governmental Organizations

Islamabad - Pakistan

• Turned bottom cluster into top performing cluster nationwide• Redefined retail strategy of the cluster by realigning channel partners as well as sales team• Responsible for rolling out, management & leading projects of key importance i.e G2P, B2B etc.• Enhanced profitability of the cluster

Lahore - Pakistan

• Formulation of sales strategy, planning of cluster’s annual budget, customer & corporate need assessment and execution of affinity contracts• Leading MFS and Merchant Acquisition sales team responsible for Agent & Merchant Acquisition/Training/Management, target achievement of Transaction Mix through OTC & Mobile Account (Mobile Wallet) transactions.• Responsible for rolling out, management & leading projects of key importance i.e G2P, B2B etc.• Responsible for development of financial ecosystem and affinity partners around UBL-Omni to ensure that UBL-Omni becomes the largest & most trusted choice of customers, businesses, NGOs, Government & International Donors.• P&L of the cluster

Lahore, Pakistan

• Leading MFS and Merchant Acquisition sales team responsible for Agent & Merchant Acquisition/Training/Management, target achievement of Transaction Mix through OTC & Mobile Account (Mobile Wallet) transactions.• Responsible for formulation of sales strategy, planning of cluster’s annual budget, customer & corporate need assessment and execution of affinity contracts.• Responsible for rolling out, management & leading projects of key importance i.e G2P, B2B etc.• Driving, facilitating and developing the annual business plan derived from the strategic initiatives.• Interfacing and working closely with Government Departments like BISP and International Donors like World Bank, Bill & Milinda Gates Foundation etc• Responsible for development of financial ecosystem and affinity partners around UBL-Omni to ensure that UBL-Omni becomes the largest & most trusted choice of customers, businesses, NGOs, Government & International Donors.• Represented UBL-Omni at different national & international forums encompassing opportunities & developments in Branchless Banking sector of Pakistan.

• Accessibility of Warid products at 120,000 plus retail outlets• Target setting for the regions as per outlines described by the company• Ensure smooth working of all retail teams in the regions• Coordinate with all concerned departments including marketing, procurement & finance for supporting requirements• Develop customized systems for the smooth functionalities of the retail channel• Plan & execute all BTL activities including but not restricted to trade promotions, retail conference• Develop a training mechanism for the regional team and outsourced RSO’s• Support regional teams in achieving assigned sales target• Availability of recharge (both OTAR & scratch cards) and uphold a mix as per target• OTAR (over the air recharge) sales/ forecast/ deployment/ & reporting formats• Maintaining stock levels at national distributor and national distributor affairs which includes commissions, market pass-on, direct sales team requirement, overall increase in sales number.

Lahore, Pakistan

Worked in (CPD) consumer product division, tissue paper business. Heading Central region.

Bcs & Mba, Marketing

Intermediate, General Science