Experience

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  The Bank of Punjab

  • Lahore, Punjab, Pakistan

  • Executive on Contract

    • Sep 2017 - Sep 2020
    • Lahore, Punjab, Pakistan

    Executive on Contract Agriculture Credit Department (ACD)/ Special Asset Management/RBG compliance As Head Agri Corporate Sales solicited institutional partnership such as Nestle and other large scale agri- finance arrangements. Developed financing structure for small/medium/large scale dairy farmers across PunjabAt Retail Banking Group (RBG) supervising data cleansing and enrichment of accounts thus ensuring compliance with SBP regulations.Developed warehouse (receipt) financing scheme Re-assessment of problem and/or defaulting projects; to analyze possibility of revival or sale

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  National Bank of Pakistan

  • Lahore, Punjab, Pakistan

  • Executive Vice President

    • Jan 2008 - Dec 2017
    • Lahore, Punjab, Pakistan

    Special Asset management. Agricultural Finance DivisionRegional Office Lahore | Agriculture Business Division | SAM As Head Agri North managed portfolio of over Rs. 16 Billion spread across 350 branches. Average loaning ticket being around Rs. 0.500 Million and around 70% portfolio comprised of small farmers. In Special Asset Management (SAM) supervising team of relationship managers and legal officers to manage recovery / settlement of critical & diversified portfolio of over Rs. 5 Billion; comprising corporate clientele belonging to industrial & business sectors. such as textile, food, engineering etc. Supervise litigation process. Subsequently the portfolio of SME bank and RDFC amounting to Rs. 4 Billion was also transferred to NBP and managed by my team. At regional office Lahore responsible for business development.

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  Infospan Inc

  • Islamabad, Islāmābād, Pakistan

  • Vice President

    • Jan 2006 - Dec 2008
    • Islamabad, Islāmābād, Pakistan

    Infospan Inc (USA) - a technology company with a focus on international financial services and international call centre operations. Infospan was involved in the development and implementation of SVC & M-banking international remittances. Responsibilities comprised of business development - development of product operating tools, modules and manuals. Infospan was involved in the development of a SVC & m-banking for international remittances and financial transactions.

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  Riverside Enterprises (Pvt) Limited

  • Lahore, Punjab, Pakistan

  • Chief Executive Officer

    • Jan 2002 - Dec 2005
    • Lahore, Punjab, Pakistan

    Sale of commercial vehicles Fabrication of large vehicles (buses) and superstructure thereon. Procurement of contracts – negotiating with senior officials of the largest automobile manufacturers in the world, Dongfeng Automobile Co. Ltd and DFAC.

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  National Development Finance Corporation (NDFC)

  • Islamabad, Islāmābād, Pakistan

  • Vice President

    • Jan 1982 - Dec 2001
    • Islamabad, Islāmābād, Pakistan

    At NDFC supervised Regional Office North comprising branches in Punjab, KPK and Mirpur. Member of Regional Credit Committee. Credit appraisal, credit administration and monitoring of loan accounts. Preparation of tender documents for NDFC financed projects and subsequent evaluation in accordance with IBRD/SBP guidelines. Supervising the credit proposals, renewals, enhancements, rescheduling and restructuring of accounts pertaining to branches falling in the northern region. Monitoring Branches’ performance against assigned deposits, advances, profit & NPLs targets periodically during the year.Remedial Asset Management involved a loan portfolio of over billions of rupees requiring rigorous monitoring and recovery from debtor companies. Assessing the company’s problems/bottlenecks, debt sustainability and proposing remedial measures. Rehabilitation of non-performing assets through financial restructuring, rescheduling thus ensuring timely recovery and negotiating out of court settlements.