Regional Head of Assets
confidential
Total years of experience :30 years, 10 months
1. Develop and implement business strategies to ensure sustainable and profitable growth of Mortgage and Personal finance business.
2. Manage and develop marketing promotions, product enhancements in line with business development objectives.
3. Responsible for development and launch of new products in line with market research findings and customer requirements, eventually to improve profitability and cross sell opportunities.
4. Oversee Developer and Land department relationships to ensure inclusion of reputed developers for end use financing.
5. Developed and implemented "Special Consumer Banking Packages" for select employers by objectively evaluating business and growth potential.
6. Launched "Interactive Calculator" and "Mortgage Calculator" to help frontline in and getting it right the first time.
7. Member of Credit Committee, Collections Committee, Property Stress Testing Workgroup, MIS rationalization Workgroup.
8. Drive business strategies across cross functional teams (primarily Sales, Credit, Operations, Collections, Service and Quality, Marketing Services, IT and Branches) depending upon the involvement of respective function through market requirements and product positioning.
9. Key member of team that launched scoring for current accounts and personal loans.
10. Established "Retention Unit" and developed tools to combat attrition.
11. Nominated "Subject Matter Expert" for Loans and Mortgages to represent in Systems development workshops.
1. Developed a comprehensive product program, branded as Personal Loan Assistance (PLA). The final Business Plan included complete competitor analysis, profitability, business targets, marketing and procedural guidelines for credit initiation, approval, disbursement, safe custody, collection and write off.
2. Developed a business plan of Autoloans Product after thorough market research including process flows, procedural guidelines and marketing plan.
3. Involved in market research and development of competitive consumer banking products, both asset and liability based.
4. Mandatory member of Credit Committee for approving consumer loans and responsible for maintaining smooth process flow of loan approvals until disbursement.
5. Supervise consumer loan collection & recoveries and advise follow up according to the nature of the case.
6. Responsible for advertising and marketing of all Consumer Banking products of UAE operations. Review all avenues of creating market awareness for the products of the bank in line with the target market and marketing budgets.
7. Organized a ‘Scratch N Win” promotion in association with international brand names in Airlines and Electronics to boost the remittances product ‘TezRaftaar’, resulting in reduced marketing cost, image building and increased volumes.
8. Organized Personal Loans promotions.
9. Conducted a research on “Remittances through legal channels to Pakistan”.
1. Supervised a team of Customer Services Unit and personally handled highnetworth deposit customers.
2. Developed benchmarks for service delivery standards to maximize staff productivity and enhance level of Customer Service.
3. Initiated and implemented pre-fact Consumer loan approval process.
4. Developed flow charts, process manuals and job descriptions for Consumer banking unit.
5. Coordinated product development and changes in UAE based Credit Policy.
1. Raised and placed funds for financial institutions from the local Money Markets on overnight and term basis.
2. Was involved in the marketing of Pakistan's most prestigious "Pak-Euro Bond".
3. Developed Money Market calendar showing the daily inflow and outflow of funds.
1. Supervised a team of Business Executives and was responsible for their Marketing and Derivatives Trading activities.
2. Traded Commodity and Currency futures for own clientele of highnetworth individuals.
3. Actively followed latest trends and news having impact on the market.
4. Comprehensively used on-line technical analysis facilities for price forecasting of Commodity / Currency futures.
5. Proposed and developed marketing proposals and Trading plans for the prospective and existing clients.
6. Conducted training seminars for the new recruits, introducing the futures markets and technical analysis for price forecasting.
Orgainised in-house training for Sr. Executives on BASEL2 conducted by the one of experts on the subject.
Attended various workshops on Performance Management, Marketing and Innovation, Credit Scoring, People Management
3 day workshop on Advanced Product Development
Focussed on management of healthy portfolio
Focussed on credit evaluation and decision making techniques
Basic Foreign exhange
A workshop facilitated by Training 2000 in Karachi, with emphasis on positive mental attitude and team work. Conducted by reknown trainer Omar Khan
Introductory seminar on Financial derivatives
Bachelor level education with following subjects: Money and banking, Management, Introduction to business, Economics, Accounting and Finance, Statistics
