Senior Managing Consultant BFS Digital Delivery
Systems Limited
Total years of experience :22 years, 8 Months
Program Management, Project Management and Business Analysis
I am providing offshore consultancy in Program Management, Project Management, PMO and Business Analysis to G.C.C. bank (Confidential) in Core Banking, Credit Cards, Digital Banking, Compliance System, Fraud Risk Management System, Payments, Retail Banking, Corporate Banking, Islamic Banking, Governance and ERP.
Duties and Responsibilities
Supplier Research:-
I have expertise in conducting commodity based research to identify suppliers who are a good fit for sourcing opportunities that have been posted by Ariba buyer community
Increasing knowledge in various commodities to effectively conduct research and discuss opportunities with sellers
Supplier Outreach:-
I have in-dept knowledge in contacting sellers to provide education on the value of the Ariba Discovery solution and encouraging them to respond to sourcing opportunities that have been posted by Ariba buyer community
Source new sales opportunities through inbound lead follow-up and outbound cold calls and emails
Effectively tracking and communicating seller responses to the Discovery leadership team as needed
Innovation:-
Contribute to best practices and innovative ideas to achieve business targets
Proposing solution enhancements to improve seller adoption of the Ariba Discovery solution
Contribute to documentation, process and training methodology improvements
Work collaboratively with global team members to share knowledge and best practices
I have professional inbound and outbound sales(direct or indirect calls) experience including experience working with external customers or suppliers
Bachelor's Degree in any stream
Good oral and written communication skills
Program, Project Management and Business Analysis:
I am handling following scope of projects using Traditional, Agile, Scrum, Kanban and Hybrid Methodologies:
1. Regulatory Compliance Project
2. Subsidiary Funded Projects
3. Grant Funded Projects
4. Core Banking Projects
5. Digital Finance Solution Projects
6. Workflow Management Projects
7. IT Infrastructure and Design Projects
8. Process Re-engineering Projects
9. Product Design and Delivery Channel Design Projects
10. Customer Growth/Acquisition Projects
11. Organizational Change Products
Branch Banking Program, Project and Operations Management Assignments included but not limited to:
Business Development
Deposit/Liability Marketing
Asset Marketing
Corporate Banking
Commercial Banking
SME Banking
Retail/Consumer Banking
Risk Management
Credit Analysis
Customer Services
Branch Management
Operations Management
IT - Projects
Banking Products Innovation
I worked as “Senior Relationship Manager Credit & Recoveries” at Askari Bank Ltd. Regional SAM Office handling portfolio of Rs.2 Billion of special assets with following job responsibilities:
- Recommendations for strategy to secure the repayment and/or collection of the complex problem loans through settlement or legal
- Negotiations with the borrowers and provide technical assistance for solving the problems loans and devise various settlement ways.
- Monitoring of Rescheduling / Restructuring / Settlement proposals and recovery processes of corporate, commercial and SME credit.
Special Skills Profile
• Effectively handled Lahore Area Branches NPLs from commercial, corporate and consumer defaulted portfolio Legal matters and Litigation Cases
• Attend regular Court hearings at Lahore Banking Courts and Lahore High Courts related to litigated NPLs
• Arrange and conduct recovery meetings to make recovery through out of Court or before the Court Settlements
• Expert in making and processing NPLs related proposals (Settlement, Recovery Suit, Legal Expenses etc.)
• Manage to file recovery suits/cases, executions and participated in Property Auctions through Court of NPLs and timely coordinated with Bank’s Legal Counsels, Court Auctioneers and Local Commissions.
- Credit Analysis and Risk Management of CLPs, Memos, Deferrals and waivers pertaining to 12 Branches of Area Lahore - II.
- Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
- Generate financial ratios, using computer programs, to evaluate customers' financial status.
- Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
- Analyze financial data such as income growth, quality of management, and market share to determine expected profitability of loans
- Make query e-mails to branches regarding their CLPs Memos, Deferrals and waivers received for approval or recommendations.
- MIS and reporting pertaining to 12 branches of Lahore.
- Co-ordinate with branches to minimize their CAD exceptions.
- Assist Area Credit Manager in SAM and recovery matters.
- Participate in approvals and recommendations of CLPs pertaining to 12 Branches of Area Lahore - II among Area Office Credit Committee
Courses
Two days Course State Bank of Pakistan Prudential Regulation Corporate/Commercial, Agriculture, SME and Retail Banking from Askari Bank Training Academy
One week training of “Flex Cube” core banking software system at Askari Bank
Three days Course Commercial Financing from Askari Bank Training Academy
Three days Course Analysis of Financial Statements from Askari Bank Training Academy
One day Course Mortgage Asset Insurance from Askari Bank Training Academy
Two days course “Time and Stress Management” from Askari Bank Training Academy
I worked as “Relationship Manager Credit” at Askari Bank Ltd. Main Branch, Lahore with total risk assets volume of Rs.3.5 billion (Funded). Job responsibilities include handling Corporate Commercial/SME Accounts together with Consumer Banking and SAM portfolio:
- Assessment & processing of CLPs in line with requirements of customer
- Credit & Financial Analysis (Quantitative & Qualitative)
- Monitoring and review of assigned SME & Commercial accounts
- Completion of the post approval formalities to ensure issuance of DAC
- Credit Marketing: Marketing visits to the new customers
- Liaison with the existing customers
- Disbursement and monitoring of Consumers’ advances portfolio.
- Answering to loan quires/correspondence with clients/head office.
- Rectification of objection raised by internal, external and SBP auditors.
- Preparation of credit related MIS statements for Head office & SBP
- Providing efficient services to the customers and solving their problems
- Handle Branch Credit Operations
- Legal Affairs, Recovery in Non Performing Loans and Litigation Cases
Courses
Two weeks Comprehensive Credit Course from Askari Bank Training Academy
Two days Course Preparation & Submission of Credit Line Proposals from Askari Bank
Two days course on “Remedial Management of Non-Performing Loans” from The Institute of Bankers Pakistan
I performed at Askari Bank Ltd. Gulberg Branch Lahore as OG - I in Operations and Branch Banking
1) Incharge General Banking
2) Incharge CD
3) Incharge Remittances
4) Incharge Clearing & Bills
5) Online Banking Officer
6) Account Opening Officer
7) Term Deposit Officer
8) Credit Officer
10) HR and Administration Officer
Special Skills Profile
• I have expertise in sales, services and support as well as Branch Banking experience at branch level
• Known to internal controls and regulatory compliance at the branch level
Courses
Two weeks General Banking Course from Askari Bank Training Academy
One week Course “IT in Banks” from Askari Bank Training Academy
Three days Course Customer Care & Relationship from Askari Bank Training Academy
Attend one day seminar on Virtual Private Network at Askari Bank Ltd. Electronic Technology Division Head Office Rawalpindi
I have performed at Askari Bank Ltd. Gulberg Branch Lahore as In-charge Information Technology & Administration at Branch and Regional Offices
Cources:
One week Course “IT in Banks” from Askari Bank Training Academy
Attend one day seminar on Virtual Private Network at Askari Bank Ltd. Electronic Technology Division Head Office Rawalpindi
The Institue of Bankers Pakistan Associateship of IBP (AIBP) Banking and Financial Support Services Core subjects: Anti Money Laundering Measures and Business Ethics Financial Planning and Budgeting Advance Risk Management Corporate and Banking Law Strategic Human Resource Management Activities and Societies: Reading Books, Research, Career Development and Banking
SAP ERP Consulting FI & Asset Module.
Professional Banking Diploma Accredited by Chartered Banker Institute London UK Junior Associateship of IBP (JAIBP) – New Structure have passed all three Stages Stage-1 Business Communication for Financial Services Introduction to Financial Systems and Banking Regulations Information Technology in Financial Services Branch Banking Stage-2 Accounting for Financial Services Lending: Products, Operations and Risk Management Human Resource Management and Organizational Behaviour Economics Stage-3 Marketing of Financial Services Finance of International Trade & related Treasury Operations Management Accounting for Financial Services Specialization Subject : SME Banking
Oracle Certification Passed Oracle E-Business Suite R12: Implementation Essentials Oracle E-Business Suite R12: General Ledger and Payables Fundamentals
MBA Banking & Finance (Specialization with Finance) Management and Business Financial Accounting Marketing Management Banking and Finance Quantitative Methods Human Resource Management Economics Business Communication & Report Writing Information Technology Financial Management Mercantile & Corporate Laws Regulatory Framework for Banks Financial Analysis Strategic Management Operations Management Banking Software Selection and Use Specialization Finance Audit & Business Taxation Portfolio Management & Capital Money Market International Finance Corporate Finance Corporate Governance Activities and Societies: Cricket and Socializing
Masters of Computer Sciences (Specialization in Computer Networks)
Microsoft Certification 1. Microsoft Certified Professional 2. Microsoft Certified Professional + Internet 3. Microsoft Certified Professional Systems Engineer Exam Passed: 1. Implementing and Supporting Mocrosoft Windows NT Server 4.0 2. Implementing and Supporting Mocrosoft Windows NT Workstation 4.0 3. Networking Essentials 4. Internetworking with Microsoft TCP/IP on Microsoft Windows NT 4.0 5. Implementing and Supporting Mocrosoft Windows NT Server 4.0 in the Enterprise 6. Implementing and Supporting Mocrosoft Internet Information Server 4.0
Bachelor of Commerce (Specialization in Commerce & Accounting)
I have done my F.Sc. in Pre. Engineering with 2nd division.
I have done my matricullation in Science with 1st Division