Oversee business of Retail Supply Chain Financing.
Assisting product development team for Product / Credit / Risk policies formulation.
Coordinating with Credit Analyst & Processor on Risk Management Issues.
Preparation & presentation of weekly & monthly sales report to management.
Sharia Coordination with PDSC.
Qualitative and Quantitative credit and risk analysis.
Monitoring of portfolio of retail supply chain financing and coordinating with collection teams for the NPL customers.
Liaise with CAD for preparation of legal documentation and disbursement.
Ensuring compliance with the bank policies, SBP prudential regulations and Sharia standards.
Maintaining a strong working relationship with all cross-functional units.
Ensure that all banking business clients receive competent problem free & timely service.
Design & developed new risk scoring model for up-coming product “Digital Supply Chain Financing”
Any other assignment assigned by the concerned authorities.

Generating business of commercial vehicles according to assigned targets and preparation of financing proposals.
Relationship Management with existing and new customers.
Preparation and analyzing the critical credit proposals for approval from Risk Management at Head office
Co-ordination with Risk Management Unit and Shariah Compliance Division for resolution of queries.
Co-ordination with CIU for pre and post disbursement formalities.
Follow up of overdue of customers with collection department.   
Maintaining portfolio specifically of commercial vehicles of different segments in good transport, oil transport and passenger transport.
Periodic analysis of financial statements of customers.
Planning and Recovery of NPLs.

Explore business opportunities from existing and potential corporate clients to achieve growth targets. Identity bilateral and syndicate business opportunities and participate in execution of these transactions. Build and improve revenue stream through optimum utilization of sanctioned facilities.
Develop a portfolio of high quality assets of middle markets under fleet financing (commercial/non-commercial vehicles) department. Keep a close watch on changing market dynamics, ensuring safeguard of bank\'s interests and to keep abreast of the latest developments in the local and international financial/industrial markets that are related to client\'s business.
Provide the best possible services to corporate clients and fetch optimum ancillary business with a view to maximize bank\'s revenue & meeting monthly, quarterly, half yearly and yearly allocated targets.
Ensure that corporate portfolio adheres to risk management policies and procedures, strict compliance of SBP PRs and other prevailing laws and regulations.
Monitor the credit portfolio for any exceptions and to ensure compliance with credit policy & procedures and statutory requirements and take corrective actions where necessary.
Maintain a close liaison with CAD, Legal Adviser, valuators, CIU, retail risk, Corporate and Commercial risk management, insurers and excise & taxation department for perfection of security documentation.

Directly reporting to Head of Sales & Distribution for over-all booth independent operations.
Responsible for building healthy loan and deposit portfolio.
Maintaining outstanding portfolio of Rs. 20mn with 350 numbers of customer
Identification of coverage areas, zoning, initial survey for potential business to serve and training of field & operational staff.
Responsible for overall branch business & branch operations, managing 12 people team with 2 supervisors including operations and commercial staff.
Responsible for branch budget, Income & expense, forecasting and YTD target of loans, collection and deposit.
Maintain all records pertaining to staff of the group including staff punctuality, leave, trainings and expenditures.
Compliance of Micro-finance Prudential Regulations in all Banking Business

Lead and develop a team of CROs, ensuring the delivery of overall team revenue, market coverage, quality service and operational risk objectives.
Capable of evaluating borrower’s financial condition and their ability to repay.
To undertake risk assessment analysis/credit evaluation/financial analysis of various types of lending proposals to gauge the creditworthiness of clients (individuals). To ensure that the approval of credit is in line with the credit policy and legal, compliance and other regulatory requirements.
To ensure that the team meets agreed business targets for business development. To ensure that each CRO is working to a personal business development plan and is on track to meet objectives. To lead manage key client relationships within the team and ensure that a Client Plan is followed for each key client.
To ensure that service, operational risk and compliance standards are maintained within the team.
Work with Regional Head and colleagues maintain a personal client portfolio, by acquiring, developing & servicing long-term relationships with micro clients. Work closely with different micro and SME Clients to provide them the best products which suits their business needs to develop and grow the business by identifying product and market development opportunities and helping to realize them.
Protect the bank by ensuring the highest standard of rigour in client due diligence, operational risk management and client advice and servicing.
Experience in training, management and capacity building.

Acquire, grow and deepen customer relationships in the S & L customer segment.

Providing business financial planning services to customers
Dealing with customer inquiries and complaints
Ensuring that service standard targets are being met for loan processing, customer response time as well as customer inquiries
Ensuring that service recovery on errors, mis-communications, complaints, etc are dealt with in the most efficient and courteous manner.

Analyze banquet event orders; communicate effectively with customers, managers and associates through e-mail communication to ensure that all equipment, supplies, staffing and menus meet customer's expectations.
Review all schedules, equipment, supplies and organize work flow to ensure a quality event to customers on a daily basis.
Implement company programs and resolve daily operational problems through consistent monitoring of banquet operations to ensure compliance with safety and security regulations and to ensure an optimum level of service, quality and hospitality.