Omar Javed Chohan

- Working on development and expansion of an agriculture project on 100 acres.
- Managing a team of 5 people
- Development of markets for products under cultivation and negotiations with buyers for product pricing
- Identifying best cultivation practices and developing systems and processes for better productivity

- Organize Consumer, Micro and Agri finance product development initiatives to contribute towards profitable business strategies in line with overall organizational objectives while keeping in view prevalent market, Shari’ah, and regulatory conditions.
- Design, develop & coordinate for launch and respective marketing strategies for Consumer, Micro and Agri finance products & services and/or new initiatives within existing product mix.
- Review market trends and competition analyses to examine how the Bank’s Consumer, Micro and Agri finance products are positioned and performing in the industry and propose required changes in the product proposition, policies and/or processes.
- Prepare strategies related to Manage Consumer, Micro and Agri finance products, pricing, promotions, etc. in consultation with relevant stakeholders.
- Engage all stakeholders in formulating clear policies & processes in relation to Consumer, Micro and Agri finance, keeping in view the overall business plans and risk appetite of the bank as well as market conditions and regulations.
- Identify key areas for process, system, and service delivery channel improvements and propose solutions in order to enhance service levels and customer experience as well as reduce turnaround times in relation to Consumer, Micro and Agri finance.
- Provide support, supervision and direction to team members to achieve common goals in relation to Consumer, Micro and Agri finance.
- Identify staff training needs while motivating and counselling them in relation to Consumer, Micro and Agri finance.
- Arrange Consumer, Micro and Agri finance trainings for Distribution side as well as other functions within the Bank

- Monitor product Health (strategies, documentation, processes, compliance, competitiveness, industry trends) and assist Chief Marketing officer and Business heads in developing strategies for growth in deposits, assets and micro insurance products for Urban, Semi urban and Rural segments
- Designing, analyzing & implementing customer acquisition, retention and usage enhancement product strategy & product mix
- Planning and Development of new Products, their testing, marketing, training and launching
- Assist business and finance in making sales projections for given Products
- Coordinate with various internal departments such as finance, IT, risk, compliance and admin for approval and execution of various products/projects.
- Prepare and execute region-specific marketing plans for products, as and when required in liaison with Area managers and Business heads
- Monitor industry trends impacting the product line to identify opportunities to successfully differentiate Tameer’s Lending products and leverage the firm's investment capabilities
- Get feedback through research from the market to develop/improve product specifications and monitor post launch progress of lending products.
- Give feedback to Chief marketing officer to present new product ideas and features to the Tameer management
- Monitor products development and tweak products as necessary in response to market feedback
- Ensure frequent training of the sales force and transfer of best practices from one unit/area to another through coordination with Learning and development
- Currently using a mix of TV, Radio, print, social media, outdoor and BTL to attract clients.
- Handed additional charge of Solar and Low cost private school portfolio

Achievements

- Increased portfolio from $5 million in June 2015 to $11 million in June 2016
- Segment profit closed at $1.2 million for the year 2015
- New record of disbursing $1.12 million in a single month (May 2016)
- Developed new product based on market need for unsecured agriculture loan

- Prepare business strategies for SME asset products based on research and analysis of growth trends
- Planning and development of new Products, their testing, marketing, training and launching
- Assist Head of Product Development in developing product policies and strategies of Asset products
- Enable business to maintain portfolio quality through data analysis and feedback
- Prepare and execute region-specific marketing plans for lending products, as and when required
- Identify target segments, selling strategies, and market positioning
- Monitor industry and competitors’ trends & evaluate FINCA’s Lending products based on analysis
- Liaise with research team to get feedback from market to develop/improve product specifications
- Launched Enterprise lending and monitor post launch progress on nationwide basis
- Work with Product Development function to present new product ideas and features
- Monitor products developed and make changes as required according to market response
- Manage key business volumes and KPI's for SME Asset products
- Developed and launched Enterprise lending product building a portfolio of Rs. 200 million across the network.
- Developed proposal for award of Rs. 100 million under Credit guarantee scheme from SBP

- Established consulting firm with a team of 3 people which has since expanded to 6 people
- Caters to customised solutions for students on nationwide
basis
- Other allied services include consulting for financial services, billing solutions and marketing services
- Analyze and provide advice on course selection, admissions and visa processing
- Act as marketing agents for Universities/Colleges and assist in promoting their products or services in Pakistan
- Currently representing 30 Universities and Colleges located in UK, Canada, Ireland, Scotland, Malaysia, Cyprus, Spain, France and Australia
- Developed Alliances with Pearson, Alliance Francaise, ISIC cards and IGI insurance as part of the services provided to students
- Developed Brand identity, marketing strategy and plan for Etimad
- Manage the business development team

- Managed collection pool of customers for all SME products through the team of 6 Area managers and 28 Collection Officers
- Managed all issues pertaining to loan account line renewals for the region
- Managed the health of the portfolio by ensuring complete documentation with regards to bank risk
- Achieve sales staff productivity set in ABU’s
- Ensured improvement in performance through Quality & timely hiring and Training.
- Achieved Sales and Collection targets for Portfolio of Rs. 3.2 Billion
- Nominated best Regional manager 2 times in 2009

- Achieved fresh disbursement and utilization targets through managing a current team of 12 Direct Sales represenatives’s
- Ensured that the portfolio growth was achieved by maintaining the targeted spread and attritions
- Reviewed files in order to assess and minimize risk of the portfolio through booking of high quality clients
- Ensured targets were met with-in the defined Expense Budgets.
- Achieved Service Quality goals.
- Achieved sales staff productivity set in ABU’s

Additional tasks:

- Collection of outstanding dues from given portfolio of customers through managing a current team of 12 DSR’s
- Liability target of Rs. 10 Million per month

Achievements

- Best performing ASM in central region for 2008 achieving record monthly booking target under Business Power (Rs 200 million)
- Instrumental in initiating the relationship model which has led to lowering of attrition
- Received best ASM monthly awards 3 times between 2008-2009

- Responsible for brand management and planning for Business Power (secured loan product) which had a portfolio above Rs. 12 Billion with over 2, 500 customers
- Development of business and marketing plan for Business Power, including annual budgeting
- Facilitation in achievement of Budgeted targets for Business Power by monitoring sales teams performance on a regular basis
- Performance monitoring of the portfolio on a perpetual basis
- Coordination with advertising agencies/design houses for both ATL and BTL activities related to brand promotion
- Designed, structured and conducted market research to determine customer needs, competition and market trends. This also entails coordination with marketing research agencies
- Continuous product performance monitoring via monthly reviews

Achievements

- Re-launched Business Power with a nationwide campaign covering print media and POS material. This generated more than 4500 new leads at the Customer-call-center
- Through sales push strategies achieved record monthly booking target under Business Power (Rs 537 million)
- Conducted In-depth interviews (IDI’s) with customers to identify strengths and weaknesses of the brand
- Developed a detailed product program; Business Power Plus, with the objective to broaden the target market and outreach of existing product

-Responsible for Strategic account planning for Nestlé’s Chilled dairy and fats category, which include the following brands; Nestle Plain Yogurt, Fruit Yogurt, Hi-Calcium low fat yogurt, Nestlé Raita, Milkpak cream and Milkpak Desi Ghee (fats)

- Organization and presentation of on-going projects in Client-agency meetings

- Market information of competitor activities and consumer trends

- Timely raising of estimates and follow-up of billing activities