Experience

JCB／株式会社ジェーシービー

• Financial Services
• 100 - 200 Employee

• Manager Business & Operations Acquiring & Issuing incld. Digital Payments

  • Mar 2017 - Present

  Managing MEA Projects of issuance and acquiring from Pre-sales to implementation. Managing project initiation tasks according to contractual obligations, client needs and goals, new technologies. Planning and coordinating all aspects of technical projects from initiation through delivery. Responsible for implementation and follow-up in the region of the Middle East and North Africa including Pakistan. Driving cross-functional project execution planning with business and technology teams. Develop, define and execute project plans, project scope, activities, schedules, budgets, and deliverables for existing and potential clients. Identify and manage the resources accordingly. Heading the workshops onsite and offsite for new projects to present operational and technical requirements. Coordinate activities teams across the region and with Head Office as needed to meet the project goals. Manage issues/risks and delays due to uncertain conditions. Manage project migration/closure, rollout, and identify the gaps to improve communication in future projects. Well-versed with the new technologies and latest market trends in the payment industry. Show less



Askari Bank

• Pakistan
• Banking
• 700 & Above Employee

• Product Manager Credit Cards

  • Dec 2013 - Aug 2016

  Managed consumer business from all its aspects (Policies, Procedures, Acquisition Process, Delivery, Activation, 1st usage, acceptance & Retention strategies). Designed and developed new products and new features in existing products. Developed strategies to get business growth that included upgraded loyalty programs, offerings & promotions. Launched and successfully achieved business results from promotional campaigns. Was responsible to achieve targeted P&Ls. Ensures central regulations in card business and implementation processes. Implemented 3DS acceptance at all card domains. Enhanced relationships with Global Scheme MasterCard and launched various promotional campaigns and new technologies. Upgraded customer service systems and complaint resolution procedures. Re-designed consumer policies and process flows for CBD Products in the re-launching phase. Launched WORLD MasterCard in Pakistan under Askari Bank Credit Card Product Mix. Designed new commission structure through market research and competition insights and launched various new initiatives. Show less



MCB Bank Limited

• Pakistan
• Banking
• 700 & Above Employee

• Product Development & Marketing Coordinator

  • Jun 2011 - Dec 2013

  Managed Sales channels and marketing channels through acquisition strategies across all channels (Branches, e-branches, Sales Outlets, Mall roadshows, ATMs, on-line, direct marketing, and pre-approved programs). Managing portfolio and all elements related to the P&L in order to optimize revenues and to achieve the annual budgets. Built a solid & robust MIS and Data Analytics technique to conduct monthly reviews and submit to management. Analyzed internal business and transactional data using sophisticated statistical techniques and platforms. Predicted attrition and new business pools through budgeting and forecasting techniques. Conducted market research on cross-functional parameters and to suggest new ideas to increase market share. Developed portfolio management strategies to drive an increase in ENR and revenue across all Card Products. Conducted regular portfolio performance analysis across the card portfolio to identify profitable products and segments. Show less



HSBC

• United Kingdom
• Financial Services
• 700 & Above Employee

• Card Analyst

  • Sep 2007 - Oct 2009

  Participated during the launch of credit card & Personal Loan in HSBC Pakistan. Supervised Credit Initiation Unit to process Card and Personal Loan new applications according to all policies and procedures that were adhered to maintain the standard service level agreement. Lead the teams that assessed Credit Card/Personal applications under level 1 to ascertain whether the application meets lending criteria. Made decisions to approve and decline the applications. Conducted periodic Credit reviews on existing loan accounts to ensure account documentation is in order and approved in accordance with the approved product program. Ensured service quality guidelines have adhered to team processing. Provided training to operations, credit, and sales teams to ensure the KYC guidelines. Ensured compliance with local regulatory and legal requirements and monitored legal regulatory developments which can impact risk and lending policies. Show less



MCB Bank Limited

• Pakistan
• Banking
• 700 & Above Employee

• Credit Supervisor

  • Apr 2006 - Aug 2007

  Launched Credit Card and Personal Loan products from the capacity of credit supervisor. Established a credit department in the Lahore region. Looked after credit assessment and analytics of consumer banking. Booked a quality portfolio with minimal credit risk. Followed credit bureaus to implement credit risk framework and measure customer repayment capability. Faced challenges of high pressure of workload and handled efficiently all queries from support functions. Provided feedback on credit policies and on credit manual. Show less



Standard Chartered Bank

• United Kingdom
• Banking
• 700 & Above Employee

• Support Credit Analyst

  • Feb 2005 - Apr 2006

  Assigned to assess the credit card new applications and was Preparing multiple reports to present daily card processing status. Monitored external verification agencies to ensure quality and guidelines are followed. Prepared proposals to submit for credit approvals. Update decision into the card system and generate daily reports to escalate to sales and operation teams. Assigned to assess the credit card new applications and was Preparing multiple reports to present daily card processing status. Monitored external verification agencies to ensure quality and guidelines are followed. Prepared proposals to submit for credit approvals. Update decision into the card system and generate daily reports to escalate to sales and operation teams.