Started my career as Credit Officer in November 2002 and remained associated for 7 years with credits.
Did Fund Based / Non Fund Based Financing in Askari Bank Limited, MCB Bank and then switched to BankIslami Pakistan Limited in the same Department but under Islamic Modes of Financing.
On December 31, 2008 I took charge of newly opened branch as a Branch Manager. This department though being new to me provided exposure in terms of Management, HR, Administration, Establishing Relationships, Operations, etc along with the Islamic modes of Fund / Non-Fund Based Financing. Now performing the same tasks since 2008 but now at a higher forum in terms of all the assignments.
To pursue a challenging career, where I intend to utilize my professional skills for the betterment of an organization, also try to make the best use of my potential abilities by achieving the required task in consultation with higher authorities.
Mobilization of Deposits and achievement of assigned deposit targets.
Achievement of ADC targets of Mobile App, Internet Banking, SMS Alerts etc.
Handling Customer’s foreign remittance and imports, exports proceeds.
Extending Consumer financing of Autos and Houses in accordance with targets.
Also performed as a Resource person for Islamic Banking Fundamentals in the region.
Branch profit manifolds by extending Letter of Guarantees and Ijara based Car Finance
Mobilized Fund / Non Fund Based Assets portfolio of Rs.1 Billion comprising of Islamic Banking products of Mudaraba, Musharika, Murabaha, Ijara, etc
Paid personal visits as per the requirements of Islamic Banking Assets Financing.
Recovery / Adjustment of installments / principal through counseling of Islamic Assets
Performed as Credit Hub Head (Balochistan Region)
Dealt in scrutiny and analysis of Fund Based / Non-Fund Based proposals of the province having a portfolio of more than Rs.7 Billion.
Recovery of stuck-up / time barred advances through negotiations / courts.
Worked in Credits Department, raised credit portfolio from Rs.300 M to Rs.6 Billion.
Dealt in Personal Loans, Term Finance, Running Finance, Demand Finance, Letter of Guarantees and Credit Cards etc.
Preparation of Credit Line Proposals, Balancing of Accounts and Record keeping.
For Acheivement of all given targets