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Hifza Rafeeq
Digital Marketing Manager
Jhelum, Punjab
Summary
Highly adaptable Risk Operations professional with 7+ years of cross-functional experience merging banking risk mitigation with corporate digital channel management. Possesses a Master of Public Administration (MPA). Expert in credit portfolio delinquency reduction, digital platform policy enforcement, and corporate brand protection. Dedicated to ensuring regulatory alignment and operational safety in high-growth financial environments.
Overview
4
4
Languages
11
11
years of professional experience
1
1
Language
Work History
Digital Marketing Manager
SheatHub
08.2023 - Current
- Managed and secured high-traffic corporate digital channels, overseeing content deployment to enforce platform community guidelines and mitigate brand risk.
- Monitored digital engagement metrics and account analytics to identify, flag, and report fraudulent page impersonations and phishing scams.
- Implemented strict digital safety standards and data privacy compliance regulations (GDPR guidelines) across all public-facing communication channels.
Collection Officer
Silkbank Limited
06.2022 - 07.2023
- Managed a high-value banking credit portfolio, consistently meeting corporate KPIs by securing a 97% overall portfolio recovery target.
- Evaluated 40+ high-risk client profiles weekly, calculating exposure levels to report early-warning financial indicators to underwriting teams.
- Maintained strict operational compliance with internal banking governance, national consumer codes, and international AML/KYC frameworks.
- Mitigated retail banking credit risks by analyzing overdue account data and identifying early-warning indicators of financial distress.
Social Media Manager
SheatHub
04.2021 - 05.2022
- Managed end-to-end operations of high-traffic digital accounts, enforcing platform community guidelines to mitigate corporate reputational risk.
- Monitored audience engagement to identify, flag, and report fraudulent page impersonations and phishing scams.
- Applied digital safety standards and data privacy compliance regulations (GDPR guidelines) across all public-facing channels.
Collection Officer
Silkbank Limited
10.2018 - 03.2021
- Mitigated retail banking credit risks by analyzing delinquent account trends and implementing proactive debt restructuring solutions.
- Spearheaded customer negotiations for non-performing loans, successfully reducing the localized portfolio delinquency rate by 12%.
- Partnered closely with internal legal and audit teams to ensure daily debt recovery workflows fully aligned with central banking regulations.
Intern
District Accounts Office Jhelum
07.2017 - 07.2017
- Developed and maintained accurate financial records, improving reporting efficiency and reliability.
- Assisted in the preparation of budget forecasts, ensuring adherence to fiscal policies and guidelines.
- Collaborated with departments to streamline invoicing processes, enhancing operational workflows and accuracy.
Leading Event Organizer
Youth Association of Pakistan
06.2015 - 06.2017
- Led a team of volunteers, providing training and support to enhance event execution efficiency.
- Managed vendor relationships, negotiating contracts that optimized resource allocation and event quality.
- Utilized project management tools to track event progress and streamline communication among stakeholders.
Education
Master of Public Administration - Financial Management
Fatima Jinnah Women University
Rawalpindi, Punjab, Pakistan 04.2001 -
Bachelor of Commerce - Accounting
University of Punjab
Lahore, Punjab, Pakistan 04.2001 -
Intermediate of Commerce - Accounting
BISE Rawalpindi
Rawalpindi, Punjab, Pakistan 04.2001 -
Skills
Credit Risk Mitigation
Policy Enforcement
Fraud Detection
AML/KYC Frameworks
Regulatory Compliance
Meta Business Suite
Platform Analytics
Social Listening Tools
Content Moderation
Advanced Excel
Software
Admerex CWX
Temenos T24
Meta Business Suite
Social Analytics
Advanced Excel
Interests
Book reading & Travelling
Languages
English
Advanced (C1)
Timeline
Digital Marketing Manager
SheatHub
08.2023 - Current
Collection Officer
Silkbank Limited
06.2022 - 07.2023
Social Media Manager
SheatHub
04.2021 - 05.2022
Collection Officer
Silkbank Limited
10.2018 - 03.2021
Intern
District Accounts Office Jhelum
07.2017 - 07.2017
Leading Event Organizer
Youth Association of Pakistan
06.2015 - 06.2017
Master of Public Administration - Financial Management
Fatima Jinnah Women University
04.2001 -
Bachelor of Commerce - Accounting
University of Punjab
04.2001 -
Intermediate of Commerce - Accounting
BISE Rawalpindi
04.2001 -