Director Programs
Organization for Community Development
Total years of experience :27 years, 3 months
Organization for Community Development (OCD) was founded in 1998 and contributes towards divested diverse downtrodden indigenous and neglected communities.
The position reports into the Director
Job Responsibilities
* Research & develop programs covering thematic and strategically focused sectors of the organization
* Research funding sources and project requirements
* Plan, implement, promote and administer Youth, Women, Farmer and Brick Kiln Worker Programs
* Project Design and Proposal Development
* Monitoring and Evaluation of Projects with Accountability & Learning
* Capacity Strengthening
* Credit Risk Management
* Handled 7 projects in the capacity of “Monitoring and Evaluation Lead”
Special Tasks
* Identify & translate market opportunities into actionable recommendations to achieve strategic outputs
* Overview development of Early Warning System (Human-made & Natural Disasters) for local district governments to;
• Plan
• Identify community needs
• Provide output on environment, social, economic indicators
* Setup and implement economic development project “YOUTH WOMEN AND PEASANT FARMERS CREDIT PROGRAM” by promoting small & medium enterprises and agriculture financing model in 15 district of Punjab. Under this task, application of local NGOs’, CSOs’ and CBOs’ were also reviewed for ‘Subletting’ services. Project funded by Misereor, Missio and Mensen een met Missie. Total Budget of Project US$.180 Million with a time frame of 3 years.
Achievements
* Through vigorous networking OCD has emerged as a regional youth & farmer movement gradually flourishing and gaining momentum
* Established 10 chapters across Pakistan from Punjab and Sindh
* Increased registered members from 260 to 1, 000 plus members
* Motivate and trained 250 volunteers
* Work outreach expended from 4 to 12 districts of Punjab
* Program implement successfully and outreached to 25, 583 individuals as direct beneficiaries
* Showcased organizational activities for the decade for dissemination to beneficiaries, stakeholders, Partners, Civil Society Network and concerned government departments
* Prepared Child Protection Policy & Procedures Manual, approved by the BoD
* Single handedly launched, overviewed & fine-tuned economic development business model in a manner that strategic direction is achieved during the planning, organizing, implementing & execution
* Proactively setup the SME and Agriculture Financing business model with a robust system to maintain a health and active portfolio thus providing 0% write-off in the 24 months of business
Team member to compile Position Paper on Labour Policy 2010 to secure decent work for sanitary, domestic and brick kiln workers. 8 recommendations accepted by the PGoV for inclusion into the new Draft labour policy shared with the shareholders on April 24, 2014 and now it is with the Chief Minister Punjab for his approval to implement
* Team member over viewing cases of “Minimum Wages” for more than 470 workers inclusive of 153 women. Courts decreed brick kiln owners to pay PKR. 10, 256, 984.00/ (US$.103, 978.00) to the victimized workers
* Single handedly launched, over-viewed and fine-tuned the economic development business model in a manner that the strategic direction is achieved during the planning, organizing, implementing and execution
Working in capacity of Assistant to Executive Director I was over-viewing but not limited to the following tasks;
* Construction / Demolition Projects
* Renovation of old homes’ / offices’ / buildings
* Site Safety Compliance
* QA / QC
* Infrastructure Improvement
* Budgeting & Cost Control
* Bidding / Estimating / Layout Proposals
* Subcontractor / Crew Supervision
* Handling of daily / weekly wages of crew / subcontractors’
Special Tasks
Overviewed the construction of 150 homes for rehabilitation of flood affected families in district Muzaffargarh, project funded by British Kashmiri Foundation of Wolverhampton. Total Budget of project GBP .5 Million. Project duration 9 months
Assist Chief Risk Officer in
Management of Fraud Risk Function and Fraud Investigation Unit
The position reports into Cards Business Division - Country Head with a doted line reporting into Country Credit Head. Specific job responsibilities are as follows:
- Assist CBD Head to evaluate and provide cost effective solutions to senior management on Credit Cards Project
- Assisted CBD Head to implement the standardized messages’ and path lay out on IVR System
- Assisted CBD Head in the implementation of on - line connectivity and services i.e. SMS, IVR, ATM and Internet banking for credit cards
- Assisted CBD Head & Credit Cards Operations & System - Country head in the system architecture of credit cards
- Set system parameters
- Assisted CBD Head in the review and finalization of the legal agreement proposed by system vendor after legal vetting
- Assisted Country Financial Controller in creation of GL account mapping between cards and banking system
- Created Credit Cards Accounts Portfolio and Analytics Units
- Worked with Product Development team on credit card features and benefits
- Finalized following SOP with emphasis on ‘Credit Cards Launch’
a) Credit Cards Operations
b) Charge Back & Settlement
c) Cards Production & PIN Mailers
d) Customer Services
e) Cards Authorization
f) Fraud & Risk Management
g) Credit Cards Initiations
h) Collection & Recovery
i) Verifications
j) Credit Cards Portfolio Analysis
All these SOPs’ have been reviewed and approved by Audit, Compliance and Risk Management Country Heads’
Additional Job responsibility
In the absence of a Consumer Collection & Recovery Manager, I have been assigned this job function which needs to review 55 collectors’ activities on a daily basic.
Key Achievements
- Successfully performed User Acceptance Test (UAT) on credit card system.
- Approval of Consumer Credit Product Program
-Implementation of standards for the internal audit team set to review the cards business
- Approval of Credit Policy for Credit Card & Motorcycle Loan Product
- Report and assist Country Head, Consumer Credit Operation in the daily affairs of the unit from Credit Administration prospective
-Review, evaluate and maintain credit limit enhancement requests of Credit, Charge Cards, Business Power (Running Finance Facility for Medium & Large businesses), & Ready Cash (Personal Loan Facility) customers
- Analysis of all credit decisions for consumer assets including Auto & Mortgages
- Work closely with Human Resources Department for issuance of clearance for resigning staff
Key Achievements
Received certificate of achievement from senior management for booking of PKR.1, 000, 000, 000 toward Extended Payment Plan
- Report and assist Country Head - Fraud Management Unit & Centralized BankCards Authorization Centre in the Vigilance on daily basis for new account booked under different consumer asset based products and manage of team of 6 Fraud Analysts
- Assist Country Head - Fraud Management Unit & Centralized BankCards Authorization Centre in the Detection of VISA / MasterCard / American Express (On - Us & Off - Us) transaction pattern on daily basis and manage a team of 5 Fraud Analysts
- Work closely with AEGNS (American Express Global Network Solutions) Fraud Prevention Team, local law enforcement agencies and Local VISA Card Issuers’ Fraud Prevention Forum
- Provide analysis and information to Credit Initiation Unit (CIU) for all discrepant approved cases for process custodians’ to take corrective action to minimize credit risk exposure
- Work closely with Credit Policy Department to Identify flaws / process gaps within the existing processes of all consumer asset based products (Charge Cards, Credit Cards & Kissan Cards) and provide viable solutions to tackle any issue
- Provide solutions to higher management on technology related issues and solutions to rectify the problems in the absence of the required technology
- Ensure that policies and procedures pertaining to VISA / MasterCard and American Express cards / Kissan Card are adhered to by all the Authorizers’
Key Achievements
-Received Top Performer Review and Bonus award for the year 2004 within Consumer Credit Department
-Effectively changed the existing Acquiring VISA Fraud Detection process, which drastically reduced the fraud figures from $.334, 000/ to $.74, 000/ within a period of 6 months. Fraud to Sales ratio was 0.18BPS less than VISA standard of 0.20BPS
-Member of launch team, Union American Express Rupee and Dollar Charge Cards, Union American Express Credit Cards & Visa Credit Card
-Received Top Performer Review and Bonus award for the year 2003 within Consumer Credit Department
Worked in Credit Departments’ and Customer Services Department as: -
- Credit Analyst (Credit Cards Initiation Unit)
- Credit Analyst (Mortgages Initiation Unit)
- Credit Card Authorization Officer
- Customer Services Officer
- Cards Maintenance Officer
Working as office assistant, my responsibilities were to;
* Maintain and update all office files
* Handle inward & outward mail/email, Prepare Tender Requests’
* Handle daily & weekly salaries of daily wagers staff