Motivated and adaptable professional with a strong desire to learn, grow, and take on new challenges. Experienced in working with teams, solving problems, and delivering quality results. Looking for opportunities to develop new skills, contribute to company goals, and build a long-term career.
Overview
17
17
years of professional experience
Work History
Trading Director
Business & Decision
01.2018 - Current
Coordinated efforts between sales teams, analysts, and support staff to ensure seamless operations throughout the entire trading lifecycle.
Increased profitability by identifying inefficiencies within existing workflows and recommending process improvements accordingly.
Developed comprehensive risk management policies for mitigating potential losses and maintaining a healthy portfolio.
Negotiated favorable terms with brokers for better execution rates, resulting in cost savings for the firm.
Branch Manager
FINCA Microfinance Bank Ltd.
09.2013 - 05.2018
Company Overview: Micro financing Catering poor / uneducated people of the society Micro financing Offering small loans to low income households Deposit Products specially designed for low income households
Conduct meeting with Assets and Liability team to achieve the target.
Responsible for the financial analysis, pre and post evaluations, and variance analysis.
Credit review of the branch.
Responsible of branch healthy portfolio, recovery technique and mitigate the risks.
Analyze operational statistic to determine business growth potential.
Prepare risks analysis reports for the higher management.
Build strong relations with the clients.
Coordinate branch operations with all other division of the company
Micro financing Catering poor / uneducated people of the society Micro financing Offering small loans to low income households Deposit Products specially designed for low income households
Portfolio Strength Outstanding portfolio of 60 Million with 1250 clients 100 % Target Realization. Recovery 95% Deposit of the branch 30 million.
Senior Loan Officer
Kashf Microfinance Bank/Finca microfinance bank
06.2008 - 08.2013
Find potential clients individuals or business in need of loans.
Establish strong rapport with the clients.
Act as salesperson, persuading client to obtain loan.
Help clients apply for loan.
Analyses and verify the application determines the client’s worthiness.
To complete document as per Bank’s policy.
To get the approval before disbursement from the BCC.
Disbursement of loan after complete satisfaction of related formalities.
Help client understand loan repayment schedule.
Follow up on delayed installments.
Initiate collateral liquidation if a client defaults on loan.
Preparation of daily activity report to be sent to the BM/HO
Education
B. COM - COMMERCE
Leadership College
01.2005 - 1 2007
Skills
Ms-Office
Communication skills
Project Management
Team handling
Trading
Leadership skills
Marketing strategy
Personal Qualifications
B. COM, 2005 to 2007, Leadership College Lahore, COMMERCE