Experience

HBL Microfinance Bank LTD

• Pakistan
• Banking
• 500 - 600 Employee

• Head of Liabilities (Corp. & Retail) at HBL Microfinance Bank Limited

  • Jan 2022 - Present



The First MicroFinanceBank Ltd Pakistan (FMFB-P)

• Pakistan
• Banking
• 300 - 400 Employee

• Head of Liabilities (Corp. & Retail)

  • Sep 2020 - Present

• Head Retail Liabilities

  • Feb 2019 - Sep 2020



Habib Metropolitan Bank (Subsidiary of AG Zurich)

• Pakistan
• Banking
• 700 & Above Employee

• Regional Sales Manager - North

  • Jun 2014 - Feb 2019

  • Management and supervision of 140 Deposit Marketing Officers spread across 112 branches in Central and Northern regions of Pakistan • Supervise zonal offices in preparation of business targets • Deal and negotiate with treasury for investment rates for customers •. Liabilities portfolio of the region worth Rs. 150.00 Billion plus • Approval of deposit rates above rack-rate and close liaison with Treasury for FCY placements • Management and supervision of 140 Deposit Marketing Officers spread across 112 branches in Central and Northern regions of Pakistan • Supervise zonal offices in preparation of business targets • Deal and negotiate with treasury for investment rates for customers •. Liabilities portfolio of the region worth Rs. 150.00 Billion plus • Approval of deposit rates above rack-rate and close liaison with Treasury for FCY placements



Bank Alfalah Limited

• Pakistan
• Banking
• 700 & Above Employee

• Regional Change Manager - North

  • Dec 2013 - Jun 2014

  • Manage the entire Sales Management Project in North region of the bank• Manage and supervise a sales team of over 200 individuals across 118 branches• Train and coach sales staff• Performance tracking and management

• Manager Liabilities, Retail North

  • Apr 2010 - Nov 2013

  • Manage and supervise 165 BDOs spread across 118 branches• Deal and negotiate with treasury for best possible investment rates for customers• Assist the GM in managing a liabilities portfolio of the region worth Rs. 90.00 Billion• Help branches control and maintain cost of deposit at a competitive level in keeping with market trends and profitability of the region• Supervise area offices in preparation of business targets and financial analyses• Business performance forecasting and budgeting• Approval of deposit rates above rack-rate and close liaison with Treasury for FCY placements• Extensive written correspondence with different business segments within the bank as well as external stakeholders

• Area Operations Manager

  • Jul 2008 - Apr 2010

  • Manage all operational and HR matters of 15 branches in the area• Overall administration of branches with respect to both banking and non-banking aspects• Periodical review of operations of branches to maintain quality and audit• Responsible for audit and compliance of branches• Extensive written correspondence with Head Office, State Bank of Pakistan, legal advisors, contractors and evaluators• Implementation and monitoring of quality assurance standards in all branches• Implementation of branch expansion plan of the area

• Relationship Manager Credits & Trade Finance

  • Apr 2007 - Jul 2008

  • Relationship management• Preparation of CLPs• Financial analysis and customer visits• Establish Foreign, Inland Letters of credit and Shipping Guarantees• Registration of Bank Contracts and guarantees• Endorsement of Airway Bills

• Management Trainee

  • Dec 2006 - Apr 2007

  Joined as a Management Trainee and underwent 4 months training at bank's training facility in Lahore, covering major banking segments i.e. Treasury, General Banking Operations, Trade Finance, Credits, Customer Services, Quality Assurance, Consumer Finance, Insurance, Money & Stock Markets



Pakistan International Airlines

• Pakistan
• Airlines and Aviation
• 700 & Above Employee

• Senior Planning Officer

  • Dec 2005 - Dec 2006

  • Coordination with co-brand partners • Involved in policy making regarding co-branding strategies • Deal with co-brand members, analyze and approve their cases • Manage and process Frequent Flyer Program related correspondence from PIA offices across the globe • Coordination with co-brand partners • Involved in policy making regarding co-branding strategies • Deal with co-brand members, analyze and approve their cases • Manage and process Frequent Flyer Program related correspondence from PIA offices across the globe



Touchstone Communications

• Islamabad

• Customer Sales Representative

  • Feb 2005 - Dec 2005

  • Mortgage sales to potential home owners in USA • Sales versification on behalf of Project Managers • Training sessions with under performing sales agents • Worked as acting Team Leader on numerous occasions • Mortgage sales to potential home owners in USA • Sales versification on behalf of Project Managers • Training sessions with under performing sales agents • Worked as acting Team Leader on numerous occasions