Managing Consultant
Speridian Technologies
Total years of experience :14 years, 11 Months
Leading the digital transformation of Allied Bank of Pakistan by providing g a complete solution through Siebel CRM where the bank can use Siebel CRM to onboard the customers, cater to their requests either through branches, call centers, mobile applications or emails.
provide visibility to customer information based on roles and positions of the bank
Implement the logic for the calculation of the next best offers used for cross selling or up selling to the customer and handle their complaints bringing in an over all efficiency to the whole process
Working as a lead on multiple international Banking projects that are based in Kuwait and Saudi Arabia.
Led requirements sessions, design meetings, or conduct sessions to elicit requirements for Dynamics 365 and its implementation
Define and scope, the business problem or opportunity and identify solution and/or alternative solutions for corporate and retail internet banking.
Define and scope, the business problem or opportunity and identify solution and/or alternative solutions for digital disbursements through Dynamics 365.
Create wireframes/screen mock-ups and document process flow diagrams for new/existing systems
Applies knowledge of agile and scrum to help teams continuously improve processes for continuous deployment
Responsible for a team of System Analysts and their trainings and supervise their deliverables.
To conduct gap analysis/requirement gathering and process mapping activities which includes detailed process analysis and clarification of business requirements.
Discussion with relevant business teams to identify and highlight requirement gaps and prepare business requirement documents.
Gather information related with business processing from multiple sources and evaluate the same to identify and resolve conflicts up to a detailed level
Vetting off of solutions developed on the basis of requirement documents and propose solutions wherever required.
Recommends actions by analyzing and interpreting data and making comparative analyses; studying proposed changes in methods and process
Redesign existing business processes of the customer to achieve operational efficiencies and strategic advantages
Clients I have worked on for providing asset based finance and leasing solutions:
1. Investec UK
2. Mercedes Benz South Korea
3. Mercedes Benz Thailand
4. Mercedes Benz Hong Kong
5. Mercedes Benz Singapore
• Responsible for the Branch's lending portfolio that constituents of fund based and non fund based lending amounting up to PKR 1.500 Billion
• Review and process credit proposals and provide all relevant information and make recommendation of the acceptability of the proposal for financing including what conditions should be applied.
• The office note should be prepared to recommend, refuse or decline the loan application if there is no plausible justification for entertaining.
• Monitor the credit portfolio of the Branch for Risk Management to recognize early warning signals and recommend remedial/preventive measures to Branch Manager.
• Follow-up for making good the shortage and shortfall in the pledged goods.
• Follow-up for recovery of finance or recommend to the appropriate authority for recovery as per Business Discretionary Powers.
• Responsible for enlistment, de-listment and enhancements of Insurance Companies, Clearing & Forwarding Agents from the Bank's Approved Panel.
• Successfully implemented the revised Insurance Policy by revamping the approved panel bringing on board Insurance Companies with a minimum rating A-.
• Performed thorough financial analysis of all 20 companies on their annual performance to allocate per single risk limit on year to year basis.
• Brought two more enlisted companies on board to provide general insurance to our borrowers.
• Realigned the Banks risk coverage as per SBP guidelines and accordingly brought two Insurance Companies to cover risk of agriculture portfolio.
• Handled and obtained approvals for exceptions from the approved Insurance policy arising in any portfolio after assessing risk and realignment of interest of all concerned cross-functional departments.
• Responsible for enlisting, de-listing, and enhancing the assigned per party limits to Clearing & Forwarding Agents on the Bank's Approved panel.
• Responsible for reviewing and evaluating the performance of the approved C&F Agents annual basis.
• Consolidate performance for valuators on annual basis keeping in view their assigned limits by PBA.
• Handle day to day issues of valuators regarding services acquired by the concerned quarters or any other matter that may arise and resolve to further mitigate any future risks.
• Supervised a team of bankers in handling issues related to vendor management.
• Provide feedback to the concerned region/business group regarding the approved structure of loans.
• Monitoring ongoing risk of active client.
• Review suitability of transactions from a risk/reward perspective
• Evaluation of monetary and financial statements and documents of the borrowers.
• Recommending appropriate action of Insurance companies to the Competent Authority after analysis of changing requirements and any other exception required.
• Review and evaluate the performance of insurance companies on an annual basis along with the limits assigned.
• Responsible for recommending enlistment, de-listment, and enhancement of limit cases of Clearing & Forwarding Agents on the Bank's Approved panel.
• Responsible for reviewing and evaluating the performance of the approved C&F Agents on quarterly basis and annual basis
• Learned and improved relationship management skills to establish credibility and trust.