Crop Picture
NOTE: Do not upload any image that violates our Picture Policy. Doing so will result in the removal of the concerned image without prior notification.
概要
With over 26 years of extensive experience in the retail, consumer, and Islamic banking sectors, I am a seasoned leader adept at managing multi-branch operations, fostering strategic partnerships, and delivering superior customer experiences. My career has been marked by a commitment to promoting Sharia-compliant financial products and expanding Islamic branches, alongside driving business growth across various banking segments including deposits, trade finance, SME lending, and wealth management.As a regional business head, I excel in spearheading deposit growth strategies and optimizing trade business processes within Islamic banking frameworks. My expertise lies in credit analysis, asset quality management, and remedial management of classified accounts to mitigate risks and ensure portfolio health. Through effective leadership and operational management, I have consistently surpassed targets and achieved remarkable growth milestones.I am recognized as a certified in-house trainer, facilitating knowledge transfer in Islamic banking principles and practices, underscoring my commitment to continuous learning and professional development. My proficiency spans P&L management, business development, risk management, compliance, and team leadership. Noteworthy contributions include securing top ranks in deposit growth initiatives, achieving significant volume increases, and leading regions to financial turnarounds within aggressive timelines.Throughout my career, I have demonstrated commercial awareness, complex problem-solving skills, and a track record of achieving outstanding results even in challenging environments. Notable achievements include driving substantial CASA growth and achieving financial turnarounds within tight deadlines, showcasing my ability to deliver tangible value and drive sustainable growth for organizations.
工作经历
Regional Head (VP)
Lead a high-performing team of managers and staff to ensure high performance, productivity, and adherence to policies and procedures. Play a key role in managing remedial actions for classified accounts/portfolio and executing strategic measures for mitigating risks, enhancing recovery, and retaining financial integrity. Identify and resolve credit issues while processing credit proposals. Conduct monthly reviews and management of P&L balance sheets to ensure financial reporting and strategic decision-making. Design and implement strategies to expand the branch network (footprint).Key Achievements
Set a benchmark of excellence by managing 26 bank branches across Sialkot City, Sambrial, Ugoki, and rural areas, and executing strategic initiatives to optimize customer experience and operational efficiency.
Spearheaded business drive initiatives across deposits, trade, SME, consumer, wealth, and employee banking segments to ensure significant growth and enhanced profitability.
Optimized regional trade operations and achieved same-day processing for all export advance and collection payments while streamlining business and enhancing customer service.
Delivered $128M in trade business for 2023 and exceeded the 98% fee based income target by 5M compared to the previous year.
Regional Manager (SVP - II)
Promoted to Regional Manager on January 1, 2017 while overseeing both Conventional and Islamic branches in Sialkot Region and facilitating branch conversions and network expansion in alignment with the Board\'s vision. Achieved bottom-line results while managing Sialkot Region and overseeing branches in Sialkot, Daska, Sambrial, Ugoki, Wazirabad, Khichian, Narowal, Shakargarh, Zafarwal, and Pasrur stations. Expanded the branch network by establishing eight new branches within the region. Acted as an in-house trainer and delivered courses on fundamental branch banking, payroll and employee banking, cash management propositions, consumer assets, and retail banking strategiesKey Achievements
Ranked first in the Central – I Region for opening the highest number of payroll accounts in employee banking.
Guaranteed the acquisition of top-tier assets through a dedicated team using the Branch Led Model (BLM) for onboarding valuable trade clients
Delivered a remarkable deposit growth of PKR 1.2B during the first half of 2022, with PKR 200M from current accounts and PKR 1.0B from savings accounts.
Achieved a substantial increase of PKR 2.8B in CASA and PKR 2.5B in total deposit growth throughout the year 2021, with notable growth rates of 32% in current accounts and 43% in savings accounts.
Attained a PKR 2.6B CASA deposit growth in 2021 with a 2.9% cost of funds, and PKR 1.8B CASA growth in 2020 with a 2.39% cost of funds.
Recognized as the country\'s top Regional Manager for 2019 and delivered outstanding CA End of Period (EOP) growth of 41% and CA Average growth of 25%.
Delivered a deposit growth of PKR 1.452M in 2018, accompanied by an impressive CASA ratio of 86%.
Doubled the productivity for new branches opened in 2016, 2017, and 2018 and recovered PKR 6.12M embezzled amount from 2016 upon assuming Regional Manager role in 2017.
Cluster Manager
Promoted to Cluster Manager (Islamic Banking) in recognition of exceptional performance and contributions to the organization\'s success.
Assumed and maintained full accountability for managing portfolios of branches located in Lahore, including Azam Cloth, Circular Road, Ferozpur Road, Allama Iqbal Town, Johar Town, Raiwind Road, and Bahria Town.
Branch Manager
Assured conversion of Allama Iqbal Town Branch into an Islamic Banking Branch while optimizing services in alignment with strategic goals.
Branch Manager
Regional Sales Manager / Branch Manager (ABN AMRO Bank / RBS)
Relationship Manager (VISA Credit Cards)
Relationship Manager / Area Sales Manager (Amex Cards)
