Prepared Credit BRD\'s, conducted Unit Testing, and UAT for system configurations.
Developed and implemented credit requirements in Core and Branchless Banking Systems. 
Managed daily credit operations and implemented internal SOPs for Operations.
Resolved user queries related to Credit in a timely manner.
Collaborated with internal departments to achieve system UATs and process reengineering.

Effectively monitored daily staff activities and guided them towards achieving targets.
Maintained provision MIS, provided collection-related information to management, and closely monitored collection officer performance.

Reported periodic recovery status to management and managed branch recovery.
Maintained provision MIS, provided collection-related information to management, and closely monitored collection officer performance.
Assisted the Regional Business team in defining and documenting product initiatives.

Ensured policy compliance during credit review and evaluated borrower creditworthiness.
Managed a team of 30 credit analysts and prepared management dashboards and MIS reports on Credit exposures.

Ensured credit application compliance and assessed creditworthiness based on cash flow and repayment sources.
Managed accurate security documentation, reported credit exposure to Central Bank (SBP), and effectively led a team of 3 credit analysts while serving as the Point of Contact for the digital lending model.

Thoroughly reviews loan applications, ensuring compliance with credit guidelines and maintaining documentation quality.
Implements loan product stipulations, achieving reduced rejection rates, while proactively pursuing fraud cases and conducting random field verifications for pre and post disbursement.