Professional Summary
Accomplished banking and NBFC executive with 25+ years of leadership across retail, corporate, and multi-country operations. Known for transforming operational and compliance challenges into profitable, future-ready solutions. Proven expertise in regulatory compliance (SECP, SBP), risk governance, and digital transformation, with a track record spanning Pakistan, Afghanistan, Bangladesh, and Bahrain.
As CEO and former Senior Vice President in top-tier financial institutions, I have:
Core Competencies
As CEO of Legend Financial Services, I lead strategic NBFC operations, regulatory compliance, and digital transformation initiatives, ensuring sustainable growth and market competitiveness. Spearheaded the launch of "Yes Loan", an innovative mobile lending platform designed to meet immediate financial needs of underserved customers.
Key Achievements:
•Streamlined financial systems and lending operations to enhance process efficiency and accuracy.
•Secured critical NBFC licensing and maintained full compliance with SECP and SBP regulatory requirements.
Skills: HR Policies · Licensing · Teamwork · Emerging Technologies · Digital Transformation · Resource Planning · Risk Management · Project Coordination · Digital Strategy
Scope & Impact: Oversaw multi-branch operations, governance, and process management in a top-tier bank, with a focus on compliance, risk management, and operational excellence.
Key Achievements:
Led Regulatory Compliance & Risk Mitigation initiatives that maintained a good regulatory record over a 7-year tenure.
Directed Process Optimization, streamlining workflows.
Supported Digital Transformation in Financial Services through integration of core banking technology upgrades, improving real-time reporting capabilities.
Advanced Leadership & Organizational Development by introducing training frameworks that increased staff retention to 90%.
Strengthened client trust and loyalty by implementing service enhancements aligned with regulatory standards.
Skills: Business Continuity Management (BCM) · Banking Operations Stakeholder Management, Employee Engagement, Operational Excellence, Regulatory Compliance & Risk Mitigation, Process Optimization & Automation, Cross-functional Team Leadership, Banking Operations Management
Overseas Senior Operations Manager – Afghanistan, Bangladesh, Bahrain
Led operational excellence across three countries, focusing on Audit Management, Policy Enforcement, and HR Operations.
Scope & Impact: Managed enterprise-wide Banking Operations Management projects, ensuring risk control, compliance adherence, and operational efficiency.
Key Achievements:
Implemented Regulatory Compliance & Risk Mitigation measures that reduced operational losses.
Led Process Optimization & Automation projects, increasing throughput capacity without additional headcount.
Played a key role in Digital Transformation in Financial Services by piloting automation tools for reconciliation.
Enhanced Leadership & Organizational Development via coaching programs for emerging leaders, boosting internal promotion rates.
Achieved operational alignment across multiple divisions, cutting cross-department delays.
Skills: Operations · Performance Monitoring · HR Policies · Business Continuity Planning · Teamwork · Stakeholder Management · Operations Management
Oversaw operations across 18 branches, ensuring optimal functionality, cost control, and compliance with organizational standards. Managed operational and capital expenditures, recruitment, and budgetary matters. Led successful audit compliance, participating in exit meetings to provide critical insights. Played a pivotal role in expanding the area by overseeing new branch setups, from planning to securing certifications. Worked closely with Branch Managers to resolve operational challenges, ensuring smooth daily operations and adherence to standards.
Skills: Business Process Management · Decision-Making · Business Continuity Planning · Teamwork · Critical Thinking · Department Coordination · Banking Operations · Communications Management · Performance Improvement · Resource Planning · Operational Excellence
Led nationwide audit initiatives, overseeing the planning and execution of audits across multiple branches. Directed a dedicated team, ensuring timely and accurate audit completion. Conducted audits of major branches in Islamabad, Lahore, and Faisalabad. Fostered collaboration with Branch and Area Managers to finalize audit reports, aligning with both organizational and regulatory standards. Proactively educated field staff on audit and compliance matters, enhancing overall operational awareness.
Skills: Internal Controls · Decision-Making · Teamwork · Fraud Investigations · Risk Management
Throughout my tenure at MCB, I advanced through a series of leadership roles, starting as a Probationary Officer and eventually rising to Branch Manager.
Manager Operations: Ensured seamless daily operations and upheld high customer service standards.
Branch Manager: Led a dedicated team, consistently surpassing business targets and enhancing service delivery.
This progression reflects my dedication, leadership skills, and commitment to operational excellence.
Throughout my tenure at MCB, I advanced through a series of leadership roles, starting as a Probationary Officer and eventually rising to Branch Manager. Manager Operations: Ensured seamless daily operations and upheld high customer service standards. Branch Manager: Led a dedicated team, consistently surpassing business targets and enhancing service delivery. This progression reflects my dedication, leadership skills, and commitment to operational excellence.
Skills: Executive Support · Operations · Decision-Making · Easily Adaptable · Teamwork · Operations Management · Communication
Banking operations,
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