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Work Background
CitiProduct Manager - Credit Cards
Jan. 2023Dubai, United Arab Emirates- Within my first year at Citi, launched a new first of its kind credit card in the UAE market, namely Citi Ready Credit.
- Digitized the limit increase process, resulting in realtime processing compared to the previous 15 days TAT. - Involved in improving growth and retention of the credit cards portfolio
- Responsible for suggesting and implementing process improvements & digitization initiatives
Bank Alfalah LimitedProduct Manager - Digital Lending
May. 2021 - Dec. 2022Karāchi, Sindh, Pakistan- Launched Pakistan's first ever, digital nano lending marketplace model in collaboration with JazzCash.
- Responsible for end to end management of the program and portfolio.
- Disbursed PKR 15 Million, within the first 5 months of launch to over 10K unique customers.
- Working on developing other innovative digital consumer lending solutions.
Bank Alfalah LimitedBusiness Manager, Digital Banking
Jun. 2018 - May. 2021Karachi- Digitized trading of government securities for Bank Alfalah customers. Also kickstarted digitization of investor onboarding in the bank's mobile banking app.
- Launched Roshan Digital Account on Bank Alfalah's Mobile Banking App ( Pakistan’s first fully digital account opening for expats)
- Worked on devising a digitalization strategy for the bank's arm in Bangladesh
- Involved in successful digital partnerships with various fintechs and start-ups including in-app integrations with Foodpanda and Eat Mubarak through APIs, SDK or Web-view.
- Formulated an innovative and completely digital process of issuing and depositing cheques through mobile app
- Responsible for end to end product management of various Digital Banking products, involving product concept development, process approvals, development of functionality on App, business model creation, Product Development, User Acceptance Testing (UAT), product launch, launch campaigns, complaint resolution, reporting and relevant Business as Usual tasks throughout the product lifecycle. - Collaborated with both internal & external branding and marketing teams to create effective communication Digital Marketing strategies for product and channel promotions. - Devised effective Customer Life-cycle Management campaigns based on regular analysis of customer behavior and managed customer churn through the use of contextual marketing campaigns and techniques. Churn rate decreased by 15- 20% - Developed analytical reports to gather key insights for decision making regarding product suite, effective pricing and campaign creation
- Management of all business planning functions including portfolio performance reporting, cross-functional collaboration, finalizing Schedule of Charges on a half yearly basis, efficient project management & delivery
Bank Alfalah LimitedManagement Trainee
Jun. 2017 - Jun. 2018Karachi- As a part of the core Digital Banking team for Bank Alfalah, worked in a start-up culture and was involved in various activities including strategy formulation & business planning alongside the senior management; product development & design; business tracking / analysis and reporting; market research and branding. - Involved in project management and tracking of 50+ Projects undertaken by Digital Banking Group. Effectively collaborated with various cross functional teams to ensure efficient and timely delivery of projects by relevant stakeholders and reported to Group Head on a weekly basis.
- Created and launched a successful marketing campaign for increasing the use of Debit Cards linked to specialized accounts for old aged and conservative EOBI Pensioners. Usage was increased by 20%
- Conducted user research and through user generated feedback created a marketing campaign for increasing customer engagement towards Bank Alfalah's Enterprise Loyalty Program. Redemption was increased considerably.
Askari BankSummer Intern
Jun. 2016 - Aug. 2016Karachi- 6 weeks internship
- Rotation in 4 departments - Analysis of HR policies
- Shadowed recruitment interviews
- Created training plans
- Analysed the processes of foreign trade - Analysed financial statements of different corporations
Attock Refinery LimitedHuman Resources Summer Intern
Jun. 2013 - Aug. 2013Rawalpindi, Punjab, Pakistan- 6 weeks internship period
- Rotation in all departments for a holistic view of the Organization - Placed in HR department with a project to create a new mission, vision and core values for the company's Entertainment Club for employees - Presentation of the project to the senior management
Attock Sahara Foundation (NGO)Community Development Volunteer
Jan. 2012 - Jan. 2012Rawalpindi, Punjab, Pakistan- English Language trainer
- Basic Computer skills trainer
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