Experience

Kissan Sahara Technologies

• Pakistan
• Farming
• 1 - 100 Employee

• Co-Founder / CEO

  • Jul 2022 - Present



MedCare Health Clinic & Diagnostic Center, Pakistan

• Khyber Pakhtunkhwa, Pakistan

• Founder / CEO

  • Jul 2020 - Jan 2023

  As a cofounder of MedCare Health Clinic & Diagnostic Centre, I took the initiative of starting a tech. leveraged healthcare setup at a medically marginalized area of Pakistan by focusing on hybrid health service delivery through conventional as well as digital approach. • Successfully created, licensed, and operationalized the health-tech. start-up • Designed and implemented the overall business plan for the start-up. • Designed the overall KPIs for gauging & running the tech enabled consultancy & diagnostics arms of the business. • Performed thorough market surveys and R&D for patients needs and devised patient centric approach with the support of the cofounder. • Developed the overall marketing campaign including the digital one and increased the traction of model by targeting the medically marginalized women for easy and cost-effective health consultancy. • Leveraged technology in the overall processes of the healthcare setup and designed ERP for the performance efficiencies. Perform thorough data analytics in and tech. enabled solutions for keeping proper track record and follow-up on patients’ health care through digital health record. • Perform regular model tweaking and till date the business is performing with the revenues crossing the break even within one year and a half year of establishment. Show less



Pharos Holding for Financial Investments

• Egypt
• Financial Services
• 1 - 100 Employee

• Business Strategy Consultant

  • Jan 2019 - Jul 2019

  Provided consultancy & technical advisory to one of the top five financial investment groups of the “Arab Republic of Egypt” in order to diversify their business verticals into “Micro & Nano Finance”. • Successfully created, licensed and operationalised the new business models with double bottom line approach in compliance with the regulatory requirements. • Built an innovative & cost-effective business models and strategies for “Micro and Nano Finance” respectively as well as leveraged financial technology for innovating the channels of service delivery as well as payments. • Employed minimal physical retail presence, as and where, required indispensably by the business and pivoted to an end to end digital mobile application for service delivery. • Provided business strategy level advisory for the modern-day technology integration and building mobile based application as well as collecting big data and samples for building algorithms to evolve into more mechanised models based on artificial intelligence and machine learning. • Relied heavily on evidence-based knowledge as necessary inputs for the business strategy development. This included but not limited to market intelligence, surveys and research & analysis to collect data for market segmentation and designed demand-led products and services. • Provided assistance in presentation, proposals and memos for capital investment plans (venturing) and assessing leveraging option for financial viability of business model. • Designed the organisational structure in line with optimal resource planning and effective corporate governance policy. • Authored all the policies, manuals and operational framework in line with the regulatory compliance. Developed necessary KPIs for gauging portfolio quality, efficiency, productivity and profitability. Show less



The Bank of Khyber

• Pakistan
• Banking
• 700 & Above Employee

• • Jan 2014 - Dec 2018

  Forged a strategic partnership framework of the Bank, provincial government and multilateral donors with an aim to boost financial inclusion by targeting the marginalised & disadvantaged segments with easy access to finances in order to foster sustainable micro, small and medium scale enterprises.• Successfully designed, created and implemented the special purpose micro finance vehicle for the Bank. • Designed a prototype model for testing & roll out which evolved into a fully functioned strategic business unit of the Bank.• Developed the business strategy & model, financial feasibility plans, implementation strategy in compliance with the strategic focus and regulatory framework.• Authored all the policies, manuals and operational framework in line with the regulatory compliance. Developed necessary KPIs for gauging portfolio quality, efficiency, productivity and profitability• Worked thoroughly on R&D and evidence-based body of knowledge for market segmentation, products development, positioning and unique selling propositions.• Played a pivotal role in scaling-up the business model and leap frogging by leveraging technological solutions for innovating service delivery channels as well the payments and optimal resource planning. Pivoted the model from conventional brick & mortar to digital financial services.• Worked in close collaboration with the consultants, PWC-Ferguson, Pakistan, for “Business Processes Innovations and Redesigning the Structures” of the micro finance function of the Bank which evolved into an autonomously functioning division of the Bank with its own P&L and Balance Sheet. • Provided business strategy level advisory in coordination with “Shariah Research Supervisor” of the Bank for the prognosis and feasibility to diversify the business products into Islamic Microfinance in compliance with the regulations & Sharia injunctions.• Developed the business plan and model for rolling out the Islamic Microfinance operations. Show less

• • May 2011 - Oct 2014

  • Performed the in-depth analysis & assessment of the credit proposals in compliance with the business policies, internal controls and regulations set forth.• Managed & supervised the “Consumer & SME Finance” portfolio along with monthly reporting and to the respective management’s and BoD’s supervisory committees.• Played an instrumental role for inputs on business review of methods, policies & procedures • Initiated the concept note and successfully designed and implemented Credits & Operational Risk framework in consultation with the Risk Management Function. • Played an instrumental role in recalibrating the strategic approach of the Bank with respect to “Consumer & SME Finance” and designed a business model with new products and innovations. • Served as a lead resource from the Bank’s side to the consultant firm (PWC-Ferguson, Pakistan) in the re-engineering of the overall consumer lending business model along with policies & SOPs.• Nominated by the BoD as review member to assist IT in finalizing the vendor for Core Banking application and digital financial tools as well as their integration, migrations and roll out. • Remained rigorously involved in the R&D, adopting best practices and evidence-based knowledge along with market assessments for new products development and catering best to the customer needs along with innovations and leap frogging. • Spearheaded the development of special innovative tailored programs for Consumer Financing targeting the needs of various segments / niches in order to cope up with market dynamism. Show less



Samba Bank Limited

• Pakistan
• Banking
• 700 & Above Employee

• Personal Banker

  • Oct 2010 - May 2011

  • Retail and general banking experience with liability portfolio development & management. • Developed and diversified the liability portfolio with the meticulous compliance of business policies of the Bank as well as the regulations. Achieved the target with 100 percent result in liabilities portfolio and remained the best performer for two successive financial years. • Retail and general banking experience with liability portfolio development & management. • Developed and diversified the liability portfolio with the meticulous compliance of business policies of the Bank as well as the regulations. Achieved the target with 100 percent result in liabilities portfolio and remained the best performer for two successive financial years.



Barclays

• United Kingdom
• Financial Services
• 700 & Above Employee

• Lead Generator

  • May 2010 - Sep 2010

  • Developed & successfully managed liability business portfolio for the bank under the compliance of business policies, standard due diligence and following the necessary protocols for AML & CFT. • Developed substantial liability portfolio as well as other market offered products like Banccasurance. • Served with enhanced customer relationship and delivered up to level of satisfaction. • Developed & successfully managed liability business portfolio for the bank under the compliance of business policies, standard due diligence and following the necessary protocols for AML & CFT. • Developed substantial liability portfolio as well as other market offered products like Banccasurance. • Served with enhanced customer relationship and delivered up to level of satisfaction.