Experience

The First MicroFinanceBank Ltd Pakistan (FMFB-P)

• Pakistan
• Banking
• 300 - 400 Employee

• Branch Manager

  • Sep 2020 - Present

  Developing liability portfolio implementation branch level strategies to achieve deposit mobilization as per budget in terms of deposit mix and cost of funds.Monitor branch portfolio benchmark in terms of achievement as set from time to time and coordinate with branches to address the deficient condition.Effectively supervise banking operations and mange the branch teams.Ensure complience and service quality culture.Set cost control and profitability and achieve profitabilty budget.Provide periodic reports data as needed in timely and accurately.

• Credit Officer

  • Feb 2016 - Oct 2020

  1-Credit Review a) Support branches to meet business targets while ensuring that credit risk is maintained at prudent level as per policy and guidelines.b) Independent desk review of loan files received from business for accuracy & completeness in line with the credit policy & procedures; highlight discrepancies (if any) for rectifications / removal before further processing.c) Maintenance of MIS of all loan applications received , processed, rejected.2-Pre-Approval Due Diligence /Verification of Borrowers.a) To conduct pre-approval verification (physical or telephonically - as applicable) to assess the accuracy of information provided by the borrower(s). Cross verify credit worthiness, reputation and repayment capacity of the applicant(s). This includes verifying genuineness & reliability and completeness of information on loan documents.b) Ensure existence of borrowers, their business (economic activity) through cross verification of home & business addresses as per credit policy /procedures. Interact with applicants(s) and properly document the observation.c) Ensure to assess customer’s knowledge of the business and purpose of the loan usage. Verify and assess the credit history of the applicant w.r.t eCIB-SBP / other credit bureau (as applicable) in line with Prudential Regulation / Credit Policy / Procedures3-Credit Culture & Compliance of Prudential Regulations/Credit Policy/Procedures 4-Portfolio Quality & Default Management5-System Support/Digital Penetration and Others

• Relationship Manager-Asset

  • Nov 2015 - Feb 2018

   Managing Existing And Development of New Business By Bank’s microfinance Products. Supervise Loan Officer In Achieving Budgeted Targets of all Microfinance products Supervise necessary entries of transactions made by Loan Officers, Ensure discipline, teamwork, and high-level motivation among the team members Ensure completion of relevant documents and legal formalities as per product manual,  Ensure Discrepancies identified by Internal Audit are rectified. Develop and maintain optimum staff structure of Loan Officer team at branch



NRSP Microfinance Bank

• Pakistan
• Banking
• 700 & Above Employee

• Acting Branch Manager

  • Jan 2015 - Mar 2015



The First MicroFinanceBank Ltd Pakistan (FMFB-P)

• Pakistan
• Banking
• 300 - 400 Employee

• Branch Operation Incharge

  • Sep 2012 - Jun 2014

   Account opening and KYC Monitoring, Banker’s Cheque and Balancing, Clearing (inward & outward), Tax Reports,  Stock Balancing, TDR Rates calculations/issuance/Pre-maturity  Account opening and KYC Monitoring, Banker’s Cheque and Balancing, Clearing (inward & outward), Tax Reports,  Stock Balancing, TDR Rates calculations/issuance/Pre-maturity



The First MicroFinanceBank Ltd Pakistan (FMFB-P)

• Pakistan
• Banking
• 300 - 400 Employee

• Microfinance Officer

  • Mar 2006 - Jun 2012

   Marketing of microfinance products, formation of customer’s groups, Recovery and daily telephone follow-up.  Ensure completion of relevant documents and legal formalities as per product manual, co-ordination with BCC for client visit  Marketing of microfinance products, formation of customer’s groups, Recovery and daily telephone follow-up.  Ensure completion of relevant documents and legal formalities as per product manual, co-ordination with BCC for client visit



Rozgar Microfinance Bank

• Karāchi, Sindh, Pakistan

• Area Manager,Team Leader,Micro Credit Officer

  • May 2005 - Feb 2006

   Supervision of regional and field officers, target assigning to field staff,  conducting extensive area survey with field staff for identifying potential markets.  Allocation & disbursement of credit in given time, Directing the recovery process & managing default clients  Recovery and follow-ups and NPL Monitoring, marketing of microfinance products,  Supervision of regional and field officers, target assigning to field staff,  conducting extensive area survey with field staff for identifying potential markets.  Allocation & disbursement of credit in given time, Directing the recovery process & managing default clients  Recovery and follow-ups and NPL Monitoring, marketing of microfinance products,



Khushhali Microfinance Bank Limited

• Pakistan
• Banking
• 700 & Above Employee

• Service Center Officer

  • May 2002 - Feb 2005

   Marketing of Banking Products and preparing cash flows of clients for potential disbursement and insuring 100% recovery process.  Marketing of Banking Products and preparing cash flows of clients for potential disbursement and insuring 100% recovery process.