Founder
WelaDela
Total years of experience :11 years, 10 Months
• Created a first of its kind niche oriented marketplace mobile app in UAE.
• Oversaw website and app launch and continuing operation.
• Formulated a successful business plan with a strong emphasis on growth and customer retention which resulted in website being ranked as top 100 most innovative start-ups in the world and officially represented UAE in GITEX Future stars
• Increased conversion rate and traffic through digital marketing which resulted in ranking of the website among top 1000 most visited websites of UAE.
• Developed brand and messaging to attract and retain customers by establishing long and short term strategies and tactics for growth.
• Met and exceeded customer goals though e-commerce sale maximization.
• Manage operations to ensure customer satisfaction and administered orders, coupons, sales and routinely conducted live traffic for security problems.
• Recruit, manage, and develop personnel to support business growth.
• Managing a team of Credit Analysts and reviewing and preparing credit proposals and appraisal notes for different SME customers of Business Finance and Trade and Working Capital lines.
• Using Moody's System for evaluation of qualitative and quantitative information of the prospective debtor for assessing credit risk of a prospective debtor and an implicit forecasting of the likelihood of the debtor defaulting.
• To approve or make further recommendations to approving authorities and ensuring that credit policies and procedures are adhered in order to book quality deals and minimize loan losses for the bank.
• Monitor and control portfolios by weekly monitoring of existing customers and their transactions for identification of early warning signals and analyzing portfolio composition and risk recognition.
• Ensuring that the targeted productivity levels are met and adherence to service level agreement and turnaround time is ensured.
• Visiting clients, if necessary, to evaluate the business setup and working of the company.
• Making recommendations about procedural/policy changes.
• Reviewing credit applications and preparing credit analysis of different SME customers for Business Finance and Trade & Working Capital limits in order to identify the risks involved with respect to Bank’s policy & Central Bank regulations.
• Undertaking risk assessment analysis by analyzing credit data, bank statements and audit reports to determine the degree of risk involved in extending credit and to establish their credit limit.
• Processing of credit proposals including credit analysis and financial ratios; analyzing data such as income growth and quality of management to determine the creditworthiness of businesses.
• Comparing liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.
• Checking customer's records with Central Bank and Blacklist to minimize risks associated with customer's credibility, repayment history and relationship with other banks.
• Ensuring that all kinds of advances are being made in line with Bank’s Lending Policy and Central Bank regulations.
• Responsible for HBL Pakistan's largest Retail-Commercial credit HUB with a portfolio of over Rs.3.5B parked at eighteen branches in The Mall Area and Circular Road Area by managing a team of ten Relationship Managers and three Recovery Officers.
• To acquire, develop and strengthen customer relationships through a team of Relationship Managers and Recovery Officers in accordance with business goals
• Work towards achievement of defined business targets.
• Upselling, cross-selling, providing regular market information updates and trend analysis
• Ensuring processing of fresh credit proposals and timely renewals of existing customers.
• Checking and timely submission of related statements to Head Office.
• Monitoring and checking of all Credit documents (security/title
documents)
• Marketing to potential customers and visiting existing clients to explore ongoing needs and submission of reports thereof to the RGM.
• Liaise with customers/branch managers to identify new business opportunities in the market.
• Monitoring of timely collections and minimize the risk of default.
• Monitoring of stuck-up portfolio with the defaulted borrowers and maintaining a liaison with bank's legal counsel.
• Mentor new hires and provide coverage for teammates when necessary.
• Responsible for the credit portfolio of Rs.1.0B parked at seven branches in Circular Road Area by managing a team of four Relationship Managers and two Recovery Officers.
• In terms of all KPIs, Circular Road Area attained first position amongst twelve areas of Lahore in June 2013 as compared to twelfth position in Dec 2012.
• To acquire, develop and strengthen customer relationships through a team of Relationship Managers and Recovery Officers in accordance with business goals
• Ensuring processing of fresh credit proposals and timely renewals of existing customers through respective Relationship Managers.
• Marketing to potential customers and visiting existing clients to explore ongoing needs and submission of reports thereof to the RGM.
• Liaise with customers/branch managers to identify new business opportunities in the market.
• Monitoring of timely collections and minimize the risk of default.
• Monitoring of stuck-up portfolio with the defaulted borrowers and maintaining a liaison with bank's legal counsel.
• Responsible for the credit portfolio of four branches.
• Work towards achievement of defined business targets: handling of assigned portfolio, recovery and addition of new customers.
• Processing of fresh credit proposals and timely renewals of existing customers.
• Correspondence and execution of all Credit documents (security/titledocuments)
• Checking of stocks under bank's lien with Cad Manager and submission of reports.
• Ensure timely collections and minimize the risk of default.
• Also officiated as CREDIT HUB MANAGER on various occasions.
• Assignment at various departments in order to develop familiarity with the whole organization and its functions
• Classroom training for three months in subjects related to the rotational experience.
Lahore School of Economics Master of Business Administration Major: Marketing
University of Central Punjab Bachelor of Science (Honours)
PAF College 2000 HSSC