Experience

1LINK (Pvt) Limited

• Pakistan
• Financial Services
• 200 - 300 Employee

• Assistant Manager Compliance

  • Jul 2021 - Present



UBL - United Bank Limited

• Pakistan
• Banking
• 700 & Above Employee

• Digital Control Specialist - Digital Banking Group

  • Mar 2020 - Jun 2021

  Audit & Compliance: Close liaison with internal/external audit teams for effective handling of all audit requirements/queries of Digital Banking Group and closure of observations in a timely manner.Concentration of controls as per regulator:Facilitate the implementation of internal controls by emphasizing a work discipline that ensures accurate and efficient processing and portfolio management focusing on and in compliance with the internal / external guidelines.Coordination with internal and external stakeholders:Effective and efficient coordination with compliance and other internal stakeholders ensuring timely implementation of regulatory requirements.Risk Assessment of Digital Banking Procedures:Work with stakeholders to conduct periodic risk assessment exercises through in-house/ outsourced arrangements in order to identify and mitigate key risks, control issues and non-compliant aspects of business with respect to prudential regulations and market dynamics.Branchless Banking Agent Network Monitoring (ANM):Review agent network of branchless banking in coordination with the external vendor and internal stakeholders to ensure that the network is completely complaint as per the regulator’s guidelines. Resolve anomalies related to agents, closure of ghost agents and proper follow-up of ANMs working with vendor, Internal Control Department, Sales and Branchless Banking Operations. Show less

• Sourcing Specialist - Digital Banking Group

  • May 2019 - Feb 2020

  Key Responsibilities:Market Research:Identification of latest products, partners, consultants and suppliers through effective market research.Effective market intelligence with respect to strategic initiatives taking by organizations, changing market dynamics and global challenges in order to keep management updated.Sourcing Platform:Ensure timely preparation of business cases and sourcing plans for digital projects and new initiatives.Optimization and rationalization of business requirements keeping in view the efficiency in terms of cost saving and up to the mark product managementMonitor Staging of Sourcing:Monitor all stages of sourcing including tendering processes, partner selection, commercial evaluation, price negotiations, payment milestones, contract management and risk assessment.Compliance with Policy and Procedures:Timely preparation of financial approvals and other critical documents to ensure transparency and compliance with established policy and procedures.Analyze Partner Performance:Monitor and analyze partner performance against agreed KPIs and recommend remedial actions to quick improvements.Processing of payments:Track and monitor project milestones and close liaison with cross functional teams to ensure accurate and efficient processing of all critical payments with in the specified time frame.Financial Management:Financial management of technology partnership ecosystem including pay-outs, actual vs. budgeted expenses, monitoring of bank’s financial and investment reports etc. to avoid any negative variance. Prepare dashboards to provide a view of financial flow. Show less

• Analyst MIS and Strategy - Consumer Collection and Recovery

  • Dec 2012 - Apr 2019

  Market Analysis:Perform market analysis to monitor the current trend and performance of UBL numbers.Suggest new strategies for betterment. Identify new market practices.Delinquency Monitoring:Prepare WAS/IS Analysis on daily basis to provided day to day account movements in accordance to the numbers opened at the month start to control the delinquencies.Process Monitoring and Strategist:Perform process flow motioning with each stage of accounts including collection and recovery efforts. Suggest and highlight effective process planning and provide gap analysis.Monitoring implementation of policies and procedure:To ensure that all the relevant policies and procedures are followed and things are in accurate place monitoring is performed all over the board.Profit and Loss monitoring:Consumer banking needs to keep en eye on the profit and loss summary from their portfolio to minimize the risk of loss. Preparation of Provisioning report is done for this.Netflows analysis of the consumer accounts:Prepare Netflows Analysis for the tracking the flows of loans for next month’s strategy.Budget Planning and CRC ( Cost and Revenue Center )Reconciliation:Prepare Cost and Revenue Reconciliation reports in accordance with the year budget.To ensure the controlled and accurate expense is to be checked accordingly.Preparation of next year budget is done every year end.Staff Management:Prepare staff capacity in accordance to the consumer portfolio. Coordinate with HR and country wide regions for a smooth flow of staff data maintenance. To arrange internal training sessions for the staff time to time.Monitoring of Consumer Recoveries - Money In Bank:Provide day to day report of the recoveries from loss accounts ( Recovery pool loans ).Customer Complaint management:Tracking customer complaints regarding Collection and Recovery which receives from SBP,Banking Mohatasib, President Secretariat, Customer services group and complaint management group. Show less

• Phone Banking Officer

  • Jul 2008 - Nov 2012

  Customer Care and Complaint Resolution :Facilitate customer by answering questions, solving problems and handling orders. Look after customer complaints, provide appropriate solutions and alternatives within the time limits and follow up to ensure resolution.Coordinate with concern departments:Liaison with internal teams and departments for effective handling of all customer complaints and closure of complaints in a timely manner.Source of Knowledge for customer:Serve customers by providing product and service information and resolving product and service problems. Attract potential customers by answering product and service questions and suggesting information about other products and services.Perform as back up Supervisor:Perform as the back supervisor focusing on effective team management, maintain targeted service level, monitor call quality and AHT ( Average Handle Time ) of all team members and perform effective task management.Quality Assurance and evaluations:Handle team evaluations and quality assurance and take necessary actions to contest and resolve any gaps as back up supervisor.Prepare Team MIS :Prepare team performance MIS and coordinate with the higher management to provide complete visibility of team performance. Show less