Experience

The First MicroFinanceBank - Afghanistan (FMFB-A)

• Afghanistan
• Banking
• 100 - 200 Employee

• Head of Business Development and Marketing

  • Apr 2022 - Present

  Responsible for conducting/guiding market research, client needs assessments (including customer satisfaction surveys, quality of life improvement assessments) and analysis to drive product and service innovation in The First Microfinance Bank, Afghanistan (FMFB-A) to achieve the social mission while reaching and maintaining financial sustainability. The position will also be responsible for FMFB-A’s brand and marketing activities, linked to reputation management. Part of the Management Board, the position shall actively participate in development and implementation of FMFB-A’s business strategy. Overseeing third party partnership including grant mobilization, managing technical assistance, outlining strategy for client acquisition, and brand management. Show less

• Product Manager

  • Nov 2019 - Mar 2022

  • Draft product propositions, strategies and execute plans for Agriculture/SME loan portfolio expansion according to the business plan• Develop and update Product Approval Documents along with relevant Processes, Policies and Procedures• Track and measure product performance and program effectiveness• Conduct/manage research activities, including demand surveys, customer satisfaction surveys, and exit surveys• Assess the impact of loans particularly on rural clients' Quality of Life by overseeing Quality of Life surveys/interviews/Focus Group Discussions• Write proposals for acquiring donor funds and grants aiming to fill possible funding gaps • Develop marketing collateral for Rural and SME offerings in both Dari and English• Prepare training materials and carry out training sessions for both branch staff on new/modified products.• Represent the bank at national/international forums and make presentations related to the assigned portfolio Show less



AWCC

• Telecommunications
• 300 - 400 Employee

• Project and Product Manager

  • Oct 2017 - Oct 2019

  • Responsible for overall product management of AWCC Data & Enterprise, The scope of Data includes strategy, operations, product development, technology, and finance. • Responsible to develop and manage AWCC’s Data services and solutions for the network bearers (GPRS, EDGE, UMTS/3G, 4G etc.) • To develop Data Strategy and Roadmap, in line with the current product roadmap. • Manage and carry out the product performance analysis report on the agreed intervals • Develop Data Service Launch Procedures, User Acceptance Procedures, Revenue Reporting Guidelines and execute the roll out of products • Required to drive, in conjunction with Technical, deployment of Data bearers (GPRS, EDGE, 3G, 4G and Super Wifi) integration into AWCC’s network. • To carry out research the local and global value-added services market, understand its direction and report on the various activities. • Manage and execute the launching Of new products that will contribute to revenue objectives set forth in the Monthly, Quarterly & Annual marketing /Revenue plan/budget by implementing approved product plans • Co-ordination of the individual product project deliverables across AWCC as agreed in the New Product Development Roadmap. • Responsible for developing of Product concepts, business cases and detailed product descriptions • Co-ordination of Product Delivery with all stakeholder departments (IT & Billing, Network, Finance, RA, etc.) to ensure high product service standard/level • Responsible to identify new product offerings/propositions. Show less



The First MicroFinanceBank - Afghanistan (FMFB-A)

• Afghanistan
• Banking
• 100 - 200 Employee

• Deputy Manager- Marketing, Research, and Business Development

  • Aug 2012 - Oct 2017

  • Responsible for product innovation, and process improvements of the entire suite (deposits and loans)• A key part of product developments team and actively involved in development of new products • Responsible for drafting Product Approval Documents (PAD) and Products Memos• Responsible for managing of (MIS) requirements such as (data analysis, system reporting and data management etc)• Responsible for managing, initiating and execution of FMFB-A marketing campaigns • Managed and carried out Customer Drop-Out survey for Individual enterprise loan which encompasses 37% of FMFB’s Gross Loan Portfolio (GLP)• Managed, designed and led several marketing researches such as Customer Satisfaction Survey (CSS) Deposit Preference Survey (DPS), M-Paisa Survey, Human, Resource Support Survey and Logistics Service Quality Survey • Writing proposals and concept note for acquiring on-lending funds and grants aiming to fill possible funding gaps • Executed and managed Competitor Analysis of the bank on quarterly basis for Microfinance, SME and Commercial banking products and services• Revamped FMFB’s product inventory/features using inputs collected from the operation staff and Competitor Scan• Developed and managed Product Performance Report (PPR) of FMFB on monthly, quarterly and annual and circulated with senior management• Led and managed one of the most successful project (new agriculture) funded by IFAD with portfolio of $ 9.6 million• Oversaw MISFA-funded project for tracking clients and land collaterals through GIS Mapping• Managing Afghanistan's only incremental housing proposition ($9m portfolio with nearly 10k clients) that offers construction advisory services• Led and managed various expos, Focus Group Discussion, product review and quality of life survey • Led effort for execution of FMFB’s model branch such as: branding, one-way vision and branch relocation Show less

• Senior Training Officer

  • Mar 2008 - Jul 2012

  • Has been a pivotal part of FMFB-A curriculum development and developed few courses such as Practical Risk Management and General Banking Operations • Conducted numerous in- house and on job trainings for FMFB’s new and existing employees • Was key part of FMFB Training Need Assessment (TNA) and identified relevant and effective training programs for active employees• Helped and managed the department in effective and efficient execution of AKAM High Impact Learning Method (HILM)• Led and conducted several Training Of Trainers (TOT) for trainers in effective delivery of training programs • Evolves the current FMFB training and orientation session into a 6-9 weeks comprehensive initial training program that effectively covers all walks of the FMFB business.• Ensure that FMFB has a sufficient training/orientation session that effectively addresses its business requirements and covers all walks of its business. • Contributes to the development and timely implementation of the FMFB annual training plan.• Conducts periodical TOT and refresher courses to other FMFB Trainers.• Develops, and uses in a due manner, a Training Follow-up tool that objectively and transparently follows up the impact of FMFB training sessions and assesses further trainings that the concerned trainee may need.• Establish and maintain good working relationships and mutually beneficial collaboration with other training centers and ensure sharing and exchanging ideas and experiences in a timely manner.• Ensure full compliance with the relevant/prevailing FMFB policies / procedures; and full alignment with the audit recommendations. Show less

• Savings Officer

  • Mar 2007 - Feb 2008

  • Execution of transactions based on document provided by front-officers like money transfers (in/out) using SWIFT, salary payment.• Booking of all transaction in the accounting system (except for those directly booked by front-office)• Monitoring and control of day-to-day transactions: -daily reconciliation between cash and accounting, money laundering procedures.• Supervision and control, in the future, staff of back- front office clerks.• Exceptionally, replacement of teller if required.• Promotion of saving collection among MF clientele.• promotion of savings account from commercial clients, and amongst the staff of commercial clients (e.g. promotion of salary release services via savings accounts)• To communicate FMFB products amongst the NGOs’ and market• Develop FMFB marketing activities• Any other identical task assigned by the respective supervisor such as.• Using MIS for the management information system of the bank operation purposes.• Using Excel for monitoring of the business and reporting purposes. Show less