Leadership and Strategic Management:• Led all operational aspects of the bank, including branch banking, centralized operations, treasury back office, cash management, customer service, and cards/electronic banking.• Contributed to the development and execution of the bank\\\'s strategic objectives by aligning operational strategies with overall business goals.• Established key operational risk indicators (KRIs) and key control standards, formulating action plans to minimize fraud and loss exposure.
Process Improvement and Efficiency:• Championed process improvement initiatives to enhance operational efficiency and effectiveness, achieving a quantifiable improvement.• Oversaw re-engineering business processes, improving customer service, cost-effectiveness, and internal controls.• Designed, developed, and maintained the Bank\\\'s Operations Manual, ensuring all operational staff adhered to established guidelines, processes, and procedures.
Risk Management and Compliance:• Spearheaded mitigating operational risks by supporting business units in identifying risk areas and implementing corrective actions to safeguard the bank\\\'s operations.• Ensured strict compliance with all regulatory requirements of banking operations.• Implemented effective documentation practices through user guides and operational improvements, tightening internal controls and elevating service quality.Leader

• Led and executed strategic transformation initiatives across the Operations function, driving impact change within the organization.• Identified and prioritized transformation opportunities based on business needs and industry trends, ensuring alignment with overall business goals.• Developed and implemented comprehensive transformation plans, including detailed timelines, resource allocation, and risk mitigation strategies, resulting in successful project delivery.• Managed and motivated a team of transformation professionals, providing training, coaching, and support to drive high performance and results.• Tracked and measured progress against transformation objectives, delivering regular reports to senior management and ensuring transparency and accountability.• Collaborated with cross-functional teams to ensure alignment of transformation initiatives with overall business goals, fostering a cohesive and integrated approach to change management.• Stayed up-to-date on industry trends and best practices in operations transformation, leveraging knowledge to drive continuous improvement and innovation within the organization

Worked as Deputy Head of Operations. Monitored more than 50 conventional branches and country-wide Islamic Division. Led Branch Banking Operations, Centralized Operations, CAD Unit, Centralized Account Opening, eCIB, NADRA, Term Deposit, Clearing, Regulatory Reporting, ADC operations & Treasury operations. Ensured the ABEP to apply for new branch licenses, opening, and shifting of branches. Designed and executed policies, operational projects, and SOPs. Ensuring Capacity Building of sales & operations staff.

 KEY ACCOMPLISHMENTS:
 •       Assisted the Head of Operations in country wide operational matters, strategic decisions, and overall management of branch banking operations
 •       Build and Lead the Home Remittances Business (end-to-end process). Established the partnership with Bank Islami Pakistan as sub agent for RIA, IME and Money Gram
 •       Contributed in the Development, Growth and supervised Islamic Banking Division
 •       Successfully restructured the Operations Department by building new Units, CAD and ASU.
 •       Developed and lead the Customer Digital Onboarding Project from all operational aspects
 •       Lead the AOMs network to ensure regulatory compliance at optimal level of quality operations
 •       Lead the Policy & Procedure segment of the bank to devise the SOPs, Policies, and Procedures
 

Played an integral role as an Area Operation Manager in NRSP Microfinance bank and efficiently spearheaded 15 branches and more than 100 employees Retained adequate controls while ensuring compliance with consumer protection statutes/regulations in a predefined area of responsibility.
KEY ACCOMPLISHMENTS:
•       Functioned in close collaboration with various departments to devise new initiatives and ensure acceptable audit results following bank and regulatory procedures audits.
•       Trained and supervised all branch operations managers within the area as well as designed, executed, and tracked department and regional plans to attain organizational objectives.
•       Steered periodic department meetings, coaching sessions, and performance evaluations to oversee periodic branch operational audits while following the bank\'s policies and procedures.

Planned, devised, and streamlined all branch operations by following operational risk management policies while offering support to operational staff to achieve the branch\'s operational goals. Opened new Branches in the region.
KEY ACCOMPLISHMENTS:
•       Resolved audit indiscretions by establishing an operational flow in the branch, which minimized the chances of repetition of audit irregularities in the future and closure of previous audit reports.
•       Significantly improved audit category by cultivating branch working and executing policies and procedures of BOP under SBP guidelines and PRs.
•       Assisted Regional Operations Manager with Branches Review, Audit & Regulatory Compliance

Served on Key position like “Branch Manager” Vehari Road Multan Branch (Oct 2010 to Mar 2011), “Floor Manager” Abdali Road Multan Branch (May 2009 to Mar 2011) and “SRM & PFC” (Sep 2007 to May 2009). Designed a setup to give priority to customers and achieve Banca, investment, and liability sales targets. Actively contributed to banking initiatives and facilitated team members in meeting the setout branch business drivers and effectively achieving objectives. Identified existing customers\' needs and resolved issues while delivering the best solution to queries and concerns.
 KEY ACCOMPLISHMENTS:
 •       Achieved 100% Liability, Investment and BANCA Targets
 •       Won Several Accolades like Best RM 2009, Highest Investment Sales Award in 2009 and 2010 and I-phone in interbank competition of Engro Rupia in 2011
 •       Attained and surpassed the agreed sales target by the Channel Head for priority customers.
 •       Ensured prevention of money laundering actions & AML responses to conduct a mini-financial appraisal.
  •      Established and maintained effective working relations with the management and devised innovative cost save strategies to minimize direct branch costs.

To maintain the existing business and continuously explore and enhance the business at corporate levelMarket Monitoring, New Business Development and customer retentionAnalysis of pricing position, strategy formulation and implementation and to ensure the effective control over market result.

New Product and Business Development and Market MonitoringFormulation and Implementation of Sales Strategies at Dealers network