Wasim Saqlain

• Successfully managed multiple projects simultaneously by prioritizing tasks according to urgency, resource availability, and alignment with organizational goals.
• Identified plans and resources required to meet project goals and objectives.
• Met project deadlines without sacrificing build quality or workplace safety.
• Established effective communication among team members for enhanced collaboration and successful project completion.
• Managed risk assessments and implemented mitigation strategies to minimize potential issues during project execution.
• Prepared detailed reports on project status for stakeholders, ensuring transparency and alignment with objectives.
• Collaborated closely with senior management to align project objectives with strategic company initiatives, ensuring that efforts contributed to overall business growth.
• Effectively managed scope creep by establishing clear boundaries on requested changes while keeping projects aligned with original objectives and budgets.
• Mentored junior team members in project management best practices to enhance their skills and contribute to better overall performance.
• Negotiated and managed third-party contracts related to project deliverables.
• Coordinated material procurement and required services for projects within budget requirements.
• Delivered exceptional customer satisfaction by proactively addressing client concerns and meeting or exceeding expectations throughout the engagement process.
• Facilitated workshops to collect project requirements and user feedback.
• Negotiated contracts with vendors and suppliers, securing quality materials at competitive prices for efficient use of resources.

Position Objectives

• To provide the leadership to area with a view to accomplish the financial and service objectives as assigned that contributes to the business revenues and strengthens the customer satisfaction Manage people with focus on their personal development where each understand the value of micro finance customer and gives his/her to the business Take all measure to achieve the year end objectives as specified.
• Principle Responsibilities
• Managing the portfolio of 20 Branches amounting to Rs.2.2 Billion.
• Formulating work plan and finalizing the periodic targets in consultation with the Branch Managers.
• Generating portfolio quality and progress reports on periodic basis.
• Supervising the activities of Branch Managers and providing suggestion and guidance for improvement in their routine work.
• Managing Book of Accounts, Banking Operations and coordinate with internal and external auditors.
• Undertaking the periodic performance appraisals of the staff reporting to me.
• Create environment and the team spirit for accomplishment of the financial and service objectives.
• Undertake detailed planning of the Area/Region functions with focus on acquisition of loans and deposits and operate within the assigned budget.
• Gradually build a balance between loans and deposits as to achieve the self-funding status of the Area and take full responsibilities of the branches as a revenue centers.
• Take full measures to ensure economy in expense and set standards of frugality to meet the dynamics of the micro finance business.
• Be responsible for the functioning of branches in all respect including operational and administrative functions.
• Organize work and branch flow in a manner that every resource is productively deployed and gives his best to achieve the requisite standard. Carryout regular capacity planning to identify resource needs and request the Hub for requirement in all functional areas.
• Organize the collection and recovery process with a view to retain the delinquencies and losses within the specified limits of the assigned goals.
• Ensure the execution of financial/functional transactions with utmost efficiency and retaining the integrity of the process.
• Arrange for the training of the staff and build their professional and leadership potential.
• Take full responsibility of Bank's reputation in all functional areas particularly the integrity of the system and financial reconciliation.  Maintain the requisite MIS to monitor the daily productivity in deposit withdrawal no. of transactions and record the error rate.
• Monitor the quality and service indicators at regular basis and ensure their improvement to meet the business objectives.
• Maintain liaison with the community and build brand image of the Bank.
• Increased revenue by identifying new business opportunities and closing high-value deals.
• Improved regional performance by implementing strategic sales initiatives and effective team management.
• Expanded market presence with targeted marketing campaigns and strong customer relationship building.
• Conducted regular performance reviews, setting clear expectations and supporting employee development initiatives.
• Implemented data-driven decision making, using analytics to identify trends and inform strategy development.
• Leveraged technology for improved operational efficiency, streamlining processes across multiple departments.
• Cultivated a high-performance environment through effective goal-setting and ongoing performance monitoring.

Position Objectives

The Head of Quality Review is primarily responsible to oversee the conduct, risk, and control governance execution and requirements of TMB. As the First Line of Defense control function, the review head and its team members will be responsible for monitoring the implementation of Telenor Microfinance Bank policies, procedures and controls as well as applicable regulatory requirements while supporting the governance team in managing risk and executing a governance framework. In addition to all above Portfolio Scrutiny is primary responsibility.

Principle Responsibilities

1. Strategy -

Understand and support the execution of the Branch Banking strategy. Work closely with various stakeholders to ensure robust governance and execution within the Branch Banking Business Governance Team. .

2. Processes

Management and continuous improvement of Branch Banking governance structure and business processes.

 Conducting regular reviews of branch credit operations to monitor compliance with TMB operating procedures and controls  Reviewing loan documentation to check for accuracy and completeness of information

 Highlighting instances of non-compliance with TMB policies to relevant stakeholders Monitoring branch collections activity to check for adherence to collections and recovery guidelines

 Overseeing visits and calls to TMB clients to assess adherence to credit guidelines while extending credit and identify instances of non-compliance with TMB policies and Code of Conduct in dealing with customers

 Overseeing regular data analysis on sales and collections data to identify anomalies

 Documenting findings from branch reviews in reports shared with the governance team and Head of Branch Banking  Assisting the governance team in conducting Risk Control Self-Assessment and Compliance Risk Assessment for Branch Banking.

 Provide advice to stakeholders and team members on information pertaining to conduct, risk, and control governance execution and requirements.

3. People and Talent

 Display strong communication, negotiation, and stakeholder management skills on a daily basis in the implementation of process improvements and risk management.

 Collaborate with other members of the team and provide timely support in their daily activities.

4. Risk Management

 Ensure up-to-date reporting of relevant risks and/or issues of non-compliance via TMB Centralized Reporting Tool and at relevant governance forums; raise and escalate risks to higher governance committees/Board where required.

 Maintain a complete understanding of the conduct, risk and control environment.

 Highlight risks to management and actively monitor them to reduce the likelihood of occurrence.

 Work closely with Regional, Branch Managers, Risk Managers, Compliance Managers, and other Governance teams to keep track of risks throughout the branch network and ensure they are appropriately escalated to the relevant governance where relevant. 5. Regulatory and Business Conduct

 Display exemplary conduct and live by TMB’s Values and Code of Conduct.

 Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Branch Banking. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines, TMB Code of Conduct, and Group policies.  Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters

6. Governance

 Coordinating with the first line of defense governance team to drive TMB Client Lifecycle model to build synergy, work closely with Risk Managers, Compliance Managers and Regional Heads to share best practices and ensure a uniform approach towards implementation of the TMB business model and strategy.

 Support implementation of TMB Legal Entity Governance Standard and First Line of Defense Policy.

 Engage Branch Banking Process Owners to ensure consistent understanding and approach to process governance

• Implemented Six Sigma methodologies throughout various departments, resulting in improved operational efficiencies and reduced process variability.
• Managed the resolution of customer complaints, leading investigations to determine cause and implementing corrective actions to prevent recurrence.
• Led a team of quality assurance professionals, ensuring consistent adherence to company standards and regulatory requirements.
• Developed comprehensive training programs for new hires, resulting in increased efficiency and knowledge among staff members.
• Enhanced employee engagement in quality initiatives by recognizing individual contributions and promoting a culture of accountability.
• Initiated cross-functional collaborations with engineering and manufacturing teams to identify root causes of defects and implement corrective actions.
• Developed and maintained comprehensive documentation of quality processes, ensuring consistent adherence to established procedures across all departments and teams.
• Served as a primary point of contact for regulatory agencies during inspections and audits, demonstrating the company''s commitment to compliance and continuous improvement.
• Improved product quality by implementing rigorous inspection processes and updating standard operating procedures.
• Provided observations, took measurements, and performed tests at various stages according to quality control plan.

The fundamental objective of implementation of the post is to reduce overall Non Performing loans(NPL’s)portfolio and enforce an effective, workable & cost effective model of recovery. This will help in strengthening and improving quality of portfolio along with minimizing risk of losing profitable channels.

• Principle Responsibilities
• Review and adjust recovery targets on a regular basis or when requested by the higher management for existing accounts.
• Building a team of recovery officers to meet the targets assigned by the management.
• Evaluate, provide analysis, conclusion and recommendations to determine the Outstanding amounts and communicate this information to customers and other team members of the company.
• Filing of suits against defaulted customers.
• Filing of suits against fraudulent Shroff
• Filing of suits against bank employees for recovery of embezzled amount.
• Lodged FIR against defaulted customer and bank staff involved in pocketing of Customer installments.
• Follow up of legal cases in the court of law.
• Publications of ads in newspapers for employees who have embezzled the customer recovery amount.
• Coordination with legal department for filling of suits in relevant court of law.
• Follow up of recovery of 90+ DPD in regions.
• Carry out Investigations and collect delinquent accounts and communicate the related issues to senior management.
• Generates documents according to the company policy and procedure used in the Recovery of payments DPD 90 + and onwards to legal function.
• To establish strong liaison with LEAs for the provision of data and provide full support to the branches in handling Fraud and forgery / Dacoit/Robbed /embezzlement & recovery from problematic customers related matters
• Managing 3rd party Shroff verification.
• Managing auction of 60+ bucket default customers
• Managing re valuation exercise of collateral base loan when risk department requested
• Follow up of legal cases in the court of law till the disposal of the case
• Training of the Recovery Officers , Recover Supervisor/Managers & Regional Recovery Managers.
• Worked well in a team setting, providing support and guidance.
• Passionate about learning and committed to continual improvement.
• Managed time efficiently in order to complete all tasks within deadlines.
• Worked effectively in fast-paced environments.
• Worked flexible hours across night, weekend, and holiday shifts.
• Strengthened communication skills through regular interactions with others.
• Adaptable and proficient in learning new concepts quickly and efficiently.
• Organized and detail-oriented with a strong work ethic.
• Learned and adapted quickly to new technology and software applications.
• Proved successful working within tight deadlines and a fast-paced environment.
• Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.

Working as Deputy Head Branch Banking handling Sales & Distribution in the Hub consisting of Punjab, KPK & AJK. And currently My Hub is disbursing at an average of Rs.1.2 Billion in a month, with an outstanding Loan Portfolio of more than Rs.18 Billion.

Principle Responsibilities

• Managing a Hub with a team of around 1000 staff located at

4- Regions 2- Clusters 19- Areas with overall management of

62- Branches network spread throughout the Hub.

• Planning and Maturing Annual Branch Expansion Plan.
• Collection of the outstanding portfolio.
• TM Bank’s Loan Loss is lowest in the market i.e less than 3%. Market Average is around 8%.
• Recruitment of a Sale Force, as Deputy Head periodically visiting the Branches for Seamless operations.
• Approving, maintaining and extending relationship with vendor, Lawyer and Shroff and dealers associated with Tameer for various products/ Services.
• Setting Annual Deposit Targets for Branches to maintain ADR .
• Ensuring seamless customers services for Deposit Comers.
• Overall Hub Administration.
• Monthly Reward Management.
• Managing Book of Accounts, Banking Operations and coordinate with internal and external auditors.
• Ensure the execution of financial/functional transactions with utmost efficiency and retaining the integrity of the process.
• Arrange for the training of the staff and build their professional and leadership potential.
• Appraisal of all sale staff
• Streamlined internal processes for increased efficiency and improved communication among departments.
• Enhanced staff performance by implementing comprehensive professional development programs.

Position Objectives Regional Manager – Multan

To provide the leadership to area with a view to accomplish the financial and service objectives as assigned that contributes to the business revenues and strengthens the customer satisfaction Manage people with focus on their personal development where each understand the value of micro finance customer and gives his/her to the business Take all measure to achieve the year end objectives as specified.

Principle Responsibilities

• Managing the portfolio of 10 main Branches & 18 Sub Branches amounting to Rs.3.7 Billion.
• Formulating work plan and finalizing the periodic targets in consultation with the Branch Managers.
• Generating portfolio quality and progress reports on periodic basis.
• Supervising the activities of Branch Managers and providing suggestion and guidance for improvement in their routine work. Managing Book of Accounts,Banking Operations and coordinate with internal and external auditors.
• Undertaking the periodic performance appraisals of the staff reporting to me.
• Create environment and the team spirit for accomplishment of the financial and service objectives.
• Undertake detailed planning of the Area/Region functions with focus on acquisition of loans and deposits and operate within the assigned budget.
• Gradually build a balance between loans and deposits as to achieve the self-funding status of the Area and take full responsibilities of the branches as a revenue centers.
• Take full measures to ensure economy in expense and set standards of frugality to meet the dynamics of the micro finance business.
• Be responsible for the functioning of branches in all respect including operational and administrative functions.
• Organize work and branch flow in a manner that every resource is productively deployed and gives best to achieve the requisite standard. Carryout regular capacity planning to identify resource needs and request the Hub for requirement in all functional areas.
• Organize the collection and recovery process with a view to retain the delinquencies and losses within the specified limits of the assigned goals.
• Ensure the execution of financial/functional transactions with utmost efficiency and retaining the integrity of the process.
• Arrange for the training of the staff and build their professional and leadership potential.
• Take full responsibility of Bank's reputation in all functional areas particularly the integrity of the system and financial reconciliation.
• Maintain the requisite MIS to monitor the daily productivity in deposit withdrawal no. of transactions and record the error rate.
• Monitor the quality and service indicators at regular basis and ensure their improvement to meet the business objectives.
• Maintain liaison with the community and build brand image of the Bank.
• Developed and executed successful business plans that resulted in improved market share and profitability within the region.
• Collaborated with executive leadership to establish long-term objectives, drive growth initiatives, and align regional efforts with corporate goals.
• Expanded regional presence by researching potential markets, developing strategic partnerships, and opening new locations.
• Led cross-functional teams to achieve project deliverables on time and within budget, resulting in improved overall performance.
• Implemented cost-cutting measures across the region that led to significant savings without compromising service quality or employee satisfaction.
• Motivated regional staff to achieve ambitious sales targets by establishing a competitive incentive structure and celebrating team accomplishments.
• Promoted a culture of continuous improvement through ongoing process reviews, employee engagement initiatives, and open channels of communication.
• Enhanced team performance by providing regular coaching, training, and performance feedback to staff members.
• Facilitated seamless integration of new acquisitions into existing operations while maintaining positive company culture and high levels of morale among employees.
• Improved talent recruitment processes by enhancing job descriptions, streamlining interview procedures, and partnering with local educational institutions for pipeline development.
• Developed detailed plans based on broad guidance and direction.
• Successfully managed budgets and allocated resources to maximize productivity and profitability.
• Leveraged data and analytics to make informed decisions and drive business improvements.

Job Objective

• Take all measures to achieve the year end objectives as specified.
• Supervised a Branch & four sub branches (Booths)

Principle Responsibilities

• Gradual build a balance between loan and deposits so as to achieve the self-funding status of the branch and take full responsibility of the branch as the revenue center,
• Act as a credit officer and arrange approval of loan.
• Ensure the execution of financial/ functional transaction with most efficiency and retaining the integrity of the process
• Organize the collection and recovery process with the view to retain the delinquency and losses with in the specified limits of the assigned goals.
• Under take the self-assessment on regular basis and prepare the branch internal/ external/ SBP audit at any time.
• Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
• Maintained friendly and professional customer interactions.
• Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
• Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
• Strengthened relationships with key clients, securing long-term partnerships and driving revenue growth.
• Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
• Enhanced staff competency with regular training sessions, boosting productivity levels across the branch operations.
• Managed branch financials including budgeting, forecasting, and expense tracking for accurate reporting and decision-making support.
• Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.
• Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
• Met deadlines by proactively managing individual and team tasks and streamlining processes.
• Complied with regulatory guidelines and requirements.
• Monitored market trends to identify new business opportunities and capitalize on potential growth areas within the community or region served.
• Ensured regulatory compliance through diligent adherence to industry standards, guidelines, and company policies.
• Implemented risk management strategies to minimize potential losses while maintaining a healthy balance between risk and return on investments.
• Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.
• Examined customer loan applications for loan approvals and denials.
• Utilized data-driven insights to make informed decisions regarding staffing levels during peak seasons thereby maintaining smooth functioning of branch operations.
• Reduced employee turnover by fostering a positive work environment and offering competitive compensation packages.
• Submitted loan applications to underwriter for verification and recommendation.
• Increased customer satisfaction with personalized banking solutions, tailoring services to meet individual financial goals.
• Facilitated seamless integration of new financial products, broadening portfolio offered to clients.
• Oversaw daily branch operations, ensuring compliance with regulatory standards and maintaining operational integrity.
• Enhanced branch visibility and market presence by orchestrating community engagement initiatives.
• Pioneered adoption of mobile banking services, expanding customer access and convenience.
• Coordinated with IT department to enhance cybersecurity measures, protecting customer data and transactions.
• Implemented rigorous risk management protocols, safeguarding against potential financial threats.
• Ensured exceptional customer service, resolving issues swiftly to maintain trust and satisfaction.
• Spearheaded community outreach programs, reinforcing branch's commitment to social responsibility and building community ties.
• Elevated staff morale and productivity by introducing system of rewards and recognition for outstanding performance.
• Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports.
• Developed strategic plans for day-to-day financial operations.
• Performed banking, business administration and financial tasks to guarantee five-star service for clients.
• Supported financial director with special projects and additional job duties.

Credit Administration:

• Security Documentation
• Ensuring adherence to SBP Prudential Regulations and SEC Regulation.

Credit Review:

• This is the post sanction relationship with the Customer. Job requires keeping a constant and close contact with the Customer and devising strategies according to the customer’s business circumstance. This process enables us to maintain and updating the risk/return profile of the organization’s asset portfolio.

Principle Responsibilities

• Formulating work plan and finalizing the periodic targets in consultation with the Sales Officers.
• Undertaking the periodic performance appraisals of the staff reporting to me.
• Marketing Segmentation  Achieve monthly targets.
• To establish close relationship with customers.
• Identify business potential location to increase sale volume.
• Staff management
• Developed strong relationships with clients, leading to increased customer satisfaction and repeat business.
• Improved overall efficiency by identifying areas in need of improvement and implementing necessary changes.
• Coordinated with various departments to facilitate smooth communication, enhancing operational effectiveness.
• Led a team to achieve company goals and exceed targets consistently, fostering a positive work environment.
• Managed daily operations for optimal performance, ensuring timely completion of tasks and projects.
• Transformed underperforming teams into productive, profitable teams.
• Developed and implemented strategies to improve customer service and increase sales.
• Oversaw inventory management, reducing costs through accurate forecasting and strategic purchasing decisions.
• Mentored junior staff members, providing guidance on best practices and professional development opportunities.
• Optimized staffing levels by closely monitoring workload demands and adjusting schedules accordingly.
• Achieved sales goals and service targets by cultivating and securing new customer relationships.
• Achieved established KPI for company, regional team and individual performance through teamwork and focus on customers.
• Exceeded sales quotas and increased profitability through effective sales strategy and business planning.
• Coached and promoted high-achieving sales and account management employees to fill leadership positions with qualified staff and boost company growth.
• Held one-on-one meetings with sales team members to identify selling hurdles and offered insight into best remedy.
• Aligned company goals with customer outcomes and increased satisfaction by automating contact management systems.
• Developed compelling presentation decks to gain approval for ideas and communicate results.

Achievement

• I personally launch GSM PCO first time in Pakistan.