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Summary
A motivated result oriented Banking Executive possessing diverse experience at various levels. I bring combination of management, financial knowledge & experience with proven abilities in managing projects, improving efficiency in functional units. Key strengths include management of Credit Cards Portfolio, Consumer Loans & Projects. Good at building relationship with senior management, process re-engineering and team leadership. Excellent planning & execution coupled with creative problem solving skills, using effective communications, organizational & prioritization skills. I am always committed to meet company objectives & eager for new challenges.
Key Skills;
o Product Management & Development, Payments, Strategy, Consumer Loans, Loyalty & Rewards, Budgeting, Negotiations, Value Proposition, Customer Service, Systems, Teamwork, Leadership.
o Project Management, Data Cleansing, Process Improvement, Proposal Writing, Controls, Audit, Complaints, Review, Facilitation, Training, Hiring.
o Microsoft Outlook, Visio, Microsoft Word, Excel, PowerPoint, Access.
Projects
Experience
Product Manager Credit Cards (Assistant Vice President)
Managing the following portfolio of payments & controls with experience of credit cards product management:
Analyzing market direction & developing Product strategy, value propositions, business plans and financial targets. Evaluate P&L & designing campaign to increase activation & spend on credit cards by using partner offers.
Reviewing Monthly Performance Reports (MPR’s) & Financials for Acquisitions, Spend, and Alliances. Classifying variances for expense control & generating income/ revenue.
Identifying opportunities of cross sales & tapping international teams for non-resident professionals in MENA region.
Liaison with Business Intelligence for projections, budgeting & forecasting. Formulating strategies for new products/ services of customers segments. Conduct research & comparative analysis to improve product offerings.
Payments to Association, Local/ International vendors, Alliances on periodic basis. Negotiations for new projects.
Management of UBL Loyalty Program (Road-miles Rewards) & building portfolio.
Complaints management routed via SBP/ Operations/ Contact Center.
Managing reports sent to Associations/ SBP/ Alliances on monthly/ quarterly basis.
Systems
• Working on system up gradation, product development & leading PRIME4 migration from Business end.
• Business point of contact for technology in the Product team - Manage new projects delivery and system enhancements including tracking, testing and implementation.
• Identifying opportunities to improve processes; prepare proposals to develop new systems/ operational changes.
Settlements
• Reviewing cases marked for settlements; monitoring waivers of customers.
• Management of consumer staff delinquent accounts with HR.
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Management of Audit – Internal / SBP/ Business Risk Review (BRR) for entire Consumer Business
Liaison with cross functional teams - for smooth processes & controls
Manager Card Operations (South)
Manager Loans & Cards Ops (Central)
Assistant Manager
Management Associate
