14 years of progressively responsible experience in Non-Govt Organizations, Microfinance Institutions, BANKS, and INGOs.Having sound knowledge of the non-govt development paradigms and program management skills.My key competencies are:
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Managed Microfinance Operation with 16 field offices in 4 Provinces of Pakistan. Sindh, South Punjab, Baluchistan, KPK & AJK. Manage the Program and compliance with all policy manuals and other policy guidance operational Procedures. Program Risk Analysis, Portfolio risk analysis, and actions against risks. Monthly planning with fields staff to Achieve given target.Â
Managed branch operations including marketing/sales efforts, business analysis and client screening, loan disbursements, payment collection, savings (if applicable), etc.
Participate actively in credit operations and interaction with clients; spend time in the field in direct contact with credit teams and clients.
Submitting Closing to Area Office on monthly basis.
Cascade branch targets to staff and regularly track and review performance and productivity.
Approve loans up to amounts specified in credit manual for the position and personal credit approval limits.
Managed branch level administrative department to support operations
Ensure Appraisal visit to the borrower to verify the information provided by the field staff regarding the recommendation of loan.
Managed District Level Micro finance and enterprise development Project.
Plan Quarterly Disbursement targets.
Cascade branch targets to staff and regularly track and review performance and productivity.
Implemented the processes of loan distribution, Recovery and monthly meetings in accordance with established policies.
Ensure office discipline and office hygiene.
Manage and supervise District HR, Finance, admin and their activities.
Preparing planning mechanism for the field activities.
Operational Risk Management and portfolio Management.
Regular group meeting and group audit.
Arrange daily meetings with COs and discus daily plans.
Giving directions to COs for smooth implementation of program.
Community follow-up visits.
Recovery status and record maintenance.
Provide regular feedback on competitor activities to Program Manager.
Managed SMT operations regarding Micro finance and CPI Schemes in District Gujrat
Village Profiling
Social Mobilization and CO formations
Managed Microfinance in 11 Union councils in field,
CPI management
Introducing Program of saving, capital formation and skill development.
Training concerned local persons in maintaining records ,organizing savings, and
To ensure one hundred percent recovery of amount due from Cos.
Facilitate engineering staff in identifying community physical infrastructure schemes and implementation.
Managed PRSP intervention such as CPIs through Community Partnership etc.
Ensure 100% coverage in village of concentrated union councils for self-managing, Self-sustaining and financially viable institution at grassroots level.