Asst Manager Microfinance Division
MCB Islamic Bank
Total years of experience :12 years, 8 Months
MCB Islamic Bank Limited obtained its banking license from the State Bank of Pakistan on June 12, 2014 and commenced Business on September 14, 2015. This is the first demerger transaction in the banking sector in Pakistan. MCB Islamic Bank intends to reach out to the small entrepreneurs / low income holders of Pakistan to provide them with Microfinancing facilities.
In my current role I am responsible for all activities of the Microfinance division including but not limited to Product restructuring, Product configuration in system in accordance with the approved bank’s policies & SBP’s regulations, financial forecasting of the Microfinance division by highlighting key areas to become profitable segment of the bank, to determine the Key Risk Indicators (KRIs) of the segment and gauge sales performance against KRIs / KPIs on monthly basis. To continually review current policies for reengineering to serve our customers in a better way.
Main task is to identify & implement new areas of business to expand Microfinance segment of the Bank in other cities, tweak the existing products while working cross functionally with product and CBS project team.
• Assist MBB in achieving business goals and objectives related to sales, productivity and GLP.
• Assisting HBB for business analysis, target setting, MIS Coordination etc.
• Coordination with Regional Managers & Branches for business related issues.
• Analyze daily progress and assist HBB in making decisions to keep the business progress on track.
• Assist HBB in human resource activities such as performance evaluations, hiring and discipline.
• Implementation of new policies and process related to business across the network.
• Conduct field visits for meeting with field staff to address future strategy and plan for given KPI's
• Liaison between business and other departments for smooth business processes.
• Career Path & quarterly incentive working and finalization with HBB.
• Assisting business head in product management.
• Reviewing and presenting analytical reports to head of department.
• Analysis of business data on daily, monthly & quarterly basis
• Assists business head in developing tactical and strategic product, services and/or programs to support the business unit’s goals (financial, quality, operational efficiency, market share, etc.).
• Analyzes the business unit’s activities and trends and compares analyses against the best practices. Presents findings and works with the Business Unit Leader and other personnel to identify and implement strategies that will address tactical and strategic goals.
• Prepares routine reports (Business, Quality, market share, etc.).
• Coordination with regional offices and branches on various business issues.
• Coordination with other departments (HR, Admin, Finance etc.) on business related matters.
• Assisting business head in product management.
• Participate in technical review, formal presentation and accurate documentation.
• Any other duty assigned by HBB.
October 2010 - till date
Business Banking Associate
Kashf Microfinance Bank Limited,
Head Office - Lahore, Pakistan.
Purpose of Job (Summary): Timely collection and preparation of MIS/Periodic reports with coordination of Branches and create effective harmonization between Head Office and Branches. Resolving all issues of eCIB and reporting to SBP for all required reports.
Major Functions / Responsibilities: • Working on KPI sheet of Last month closing number.
• At start of the month Define Branches Targets in MIS.
• Updating LOs Productivity sheet on daily Basis.
• Submitting and uploading ECIB Information to SBP on monthly basis before 15th of every month.
• Analysis of business data on daily, monthly & quarterly basis.
• Updating departmental head about the daily business performance.
• Submitting of Micro Agri Report to SBP after collecting information from Branches before 15th of every month.
• Working on LO incentives sheet and submitting report to Finance department before 2nd of every month.
• Working on Branches Ranking sheet on daily basis,
• Taking Projections from Branches regarding KKKK Tickets, OD, PAR%, KS, EL Deposit and O/S amount.
• Updating W/O sheet month wise
• Preparing IR (investor Report) sheet quarterly basis.
• Taking Legal Booklets, EL forms and brushers demand on monthly Basis from Branches and forwarding to Admin Department.
• Collection of different periodical returns/data/information from the branches and its compilation.
• Ensure timely submission of Compliance Review report by branches to compliance Department, head office, Lahore.
• Act as a liaison between branches, Regional Offices and other support departments of Head Office.
• Present the Manual MIS and system generated MIS reports to functional head and other Departmental heads on requirement basis.
• Reviewing and presenting analytical reports to head of department on daily basis.
• Provide assistance to SBP Reporting officer to submit reports to SBP in time.
• Any other duty assigned by HBB.
MBA
Post Graduate Diploma in Business Administration. the course was consisted of four terms covering all business & finance subjects.
Bachelor in commerce
Faculty in science.
