Experience

Novatex Limited

• Plastics Manufacturing
• 200 - 300 Employee

• Country Representative

  • Nov 2013 - Present

  Marketing, Trading and Supply Chain Management. Marketing, Trading and Supply Chain Management.



National Bank of Pakistan

• Pakistan
• Banking
• 700 & Above Employee

• Consumer Risk Head

  • Oct 2009 - Aug 2014

  National Bank of Pakistan – Risk Management Group| Oct 2009- present Senior Manager – Consumer, Commercial and Agriculture Risk • Responsible for setting up a structure within Risk Management for Commercial, Consumer and Agriculture products in order to enhance lending to individuals and SMEs – This resulted in 150% growth from USD$ to 110 Million to 270 Million in Consumer and Agriculture, Commercial Growth of 74% - under Program lending (Customer Lending for individual) below USD$ 5 Million• Overall Consumer and Agriculture industry NPL is 26% and with the inclusion of NBP portfolio it drops down to 4%• Development of Scorecards, relevant policies and procedures, data collection and cleansing frameworks for all relevant consumer and agriculture products – which resulted in prudent lending and lowering NPLs below 1% • Development of a comprehensive MIS reporting framework to assist business, senior management and board level committees in decision making and strategy setting – resulted in new product program launch, introduction of Insurance facility which opened new revenue streams for the bank of USD$500 Million• Reviewing new/ updated product programmes and proposing procedures/ aspects for improved risk management in such programmes – Introduction of Swift and Fast Application process, Better Portfolio managementBasel II Project Manager • Responsible for initiating and spearheading overall project progress as planned through bank-wide coordination and coordination with consultants on all 40 initiatives (7 completed – 13 in UAT – 6 Automated – 14 after UAT)• Leading all automation procurement related initiatives necessary for the project • Continuously review and streamline project initiatives to improve operating efficiency



KASB Bank

• Banking
• 200 - 300 Employee

• Consumer Head

  • Jan 2008 - Sep 2009

  • Ensure all product programmes meet regulatory compliance and manage overall Consumer Banking infrastructure – Business Projection USD$ 200 Million – Achieved USD$ 327 Million• Develop new products and improve existing ones in line with overall bank strategy on a continuous basis – Introduction of Personal loans and Auto Loans – Achieved USD$ 275 Million against USD$.75 Million• Ensure overall portfolio profitability through continuous innovation and alignment of business and risk – NPLs under .5% of total portfolioBusiness Manager – Secured Assets Jan 2008 – Sept 2008 • Manage and improve on the portfolio through development of better portfolio management tools and improved MIS – Helped business to cut unnecessary cost out sourcing few services• Ensure constant strengthening and updating of all policies, processes, procedures and updating systems for better TAT, reduction in NPLs, efficient customer service with better profit margins• Launch of Non- Resident Pakistanis Mortgage scheme for UAE Pakistanis to Purchase Home - USD $170 Million in 14 months



ABN AMRO Bank N.V.

• Netherlands
• Banking
• 700 & Above Employee

• Head of Sales

  • Apr 2006 - Dec 2007

  • Responsible for front end execution of overall segmental strategy and ensuring sales force achieves targets of USD$ 150 Million• Constant liaison with Marketing to develop and launch new products and improve existing ones so that bank has better TAT – Managed to reduced TAT from 24 working days to 10 Workings days• Development and updating of relevant policies and procedures for better customer satisfaction and lower NPLs with improved profitability• Responsible for front end strategy development and ensuring required HR infrastructure is maintained – introduced regular training programs and sales competitionsProduct Manager– Home Loans Apr 2006 – May 2007 • Responsible to meet sales targets, maintain motivated sales force, retain strong talent and mould front end strategies accordingly • Development and maintenance of sales process manuals and maintain/improve HR infrastructure• Evaluate market environment constantly and provide feedback and proposals to marketing for product enhancement / new product development & process improvement • Achievement: Enhanced portfolio from USD$ 130 Million to 300 Million in 12 months • Special Project: Launched Islamic finance based Diminishing Musharaka facility