1. Manage 11 lending products across 3 categories (Housing, General Loans, and MSME Loans)
2. Design customer information and loan origination documents (key facts statements, brochures, repayment schedules, and cash flow templates)
3. Ensure products are built into IT system, test the system and roll out across 213 branches
4. Write business requirement documents (BRD) after consultation with stakeholders from Risk, Compliance, Credit, and Business departments- ensure inputs gathered from stakeholders are reflected in the BRD
5. Conduct user acceptance testings (UATs) - critically analyze work flows, inputs, and outputs
6. Assist in implementing product in custom built loan origination system; work with programming teams to ensure requirements are understood
7. Continuously seek feedback from branch staff on the functioning of various applications and MIS reports
Write product policies covering; underwriting criteria, standard operating procedures, and credit risk parameters
8. Design and amend cash flow tool to facilitate loan officers in complying with loan underwriting/risk criteria

MDF is an Australian Government backed project supporting the private sector to introduce innovative products and services in Pakistan

Develop relationships with private sector companies in the Dairy, Meat, and Leather sectors


Work with potential partners to introduce new products and services for consumers at the bottom of the pyramid


Negotiate project timelines, cost sharing ratios, and project activities


Ensure partners adhere to agreed-upon contracts


Write detailed business case on each proposed project including; financial models, sensitivity analysis, budgets, risk log, stakeholder objectives, and project timelines


Manage projects/contracts ensuring execution as per plan; negotiated 4 contracts worth an average 5.3 M PKR each, and managed 6 projects worth an average 4.9M PKR each


Work closely with stakeholders to anticipate challenges in project execution and devise solutions


Selected partners/stakeholders worked with include; Pioneer Seeds, Bank Alfalah, Cattlekit Machinery, Khushali Microfinance Bank, Servis Shoes

Hired through regional, year-long, management training program
Led annual business planning process, ensured buy-in from all stakeholders, challenged key underlying assumptions
Led monthly tracking of KPI achievement; ensured General Manager received in-depth report including; variance analysis, revised year-end forecast, and analysis of company performance, within 3 working days
Assisted senior management with cost control drive
Assisted logistics and supply chain department to streamline costs and maintain quality of service, resulting in an increase of the on-time and in-full metric by 5%
Continuously worked with Sales team to review product price list and schedule of trade discount, helped increase retail margins by 4%
Worked with credit control team to introduce Excel dashboards, making it easier to track problematic accounts
Assisted accounts department with routine tasks including; costing of imported raw material, processing employee expenses, and royalty calculation

As one of the two team members of the market intelligence team, I was responsible for the quantitative aspect of the market research studies that Nissan conducted, these include:

a. Monthly competitor pricing study (Transaction Price Tracking)
b. Bi­annual brand study based on the purchase funnel
c. Monthly study of product sales (data shared by Auto association)

In addition, I Managed the relationship with the market research companies, including payment, quality of work, and additional services required by the brand managers.

Conducted sales channel research, helping sales manager introduce products in independent retail outlets


Carried out product positioning research that led to development of; price and promotions strategy


Drafted market research briefs and selected vendors for conducting market research


Organized product launch events at various community gatherings, malls, and retail outlets