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Work Background
Digital Finance InternationalChief Operating Officer
May. 2024London, England, United Kingdom
U Microfinance Bank LimitedChief Of Operations
May. 2022 - Apr. 2024Islāmābād, Pakistan- Orchestrated seamless branchless banking operations for wallet accounts, facilitating convenient financial transactions for customers, and contributing to digital financial inclusion and modernization. - Diligently reviewed and formulated comprehensive processes and guidelines, enhancing operational consistency, risk management, and customer experience through standardized practices. - Expertly managed multifaceted branch operations, optimizing efficiency, customer service, and regulatory compliance, resulting in smooth customer interactions and operational excellence. - Directed the successful centralization of operations, streamlining diverse processes and functions, fostering cross-functional collaboration, and achieving enhanced resource utilization and cost-efficiency. - Pioneered the establishment of a Monitoring and Control Unit, ensuring rigorous offsite quality assurance reviews for branches and centralized functions, ensuring adherence to standards, and mitigating potential issues. - Spearheaded comprehensive training and development initiatives for both centralized and branch operations teams, fostering skill enhancement, employee growth, and operational agility in alignment with evolving industry demands.
Al Baraka Bank Pakistan Ltd.Head of Branch Banking Operations
May. 2021 - Apr. 2022Karāchi, Sindh, Pakistan- Implemented RCSA Framework, ensuring ongoing monitoring of Retail Banking Group accounts, enhancing risk assessment and management practices. Reviewed high turnover and NGO accounts, mitigating potential regulatory implications and risks. - Defined, and disseminated process guidelines and regulatory instructions, ensuring compliance and standardized practices. - Acted as a central point of contact for Retail Banking Group, fostering collaboration with other departments like Audit, Compliance, and HR. Escalated significant compliance issues, ensuring prompt resolution through different management tiers. - Conducted training sessions on Audit and Compliance topics, enhancing team's knowledge and adherence to regulations. - Led the Biometric project, reviewed dormant accounts, and executed the Data Cleansing initiative, enhancing data quality and customer information. Managed ATM and Cash for branches, ensuring optimized cash flow and customer service. - Implemented EKYC and transitioned manual records to the Core Banking System, streamlining customer data management. - Supervised UATs for system changes, and initiated BRD and CR for system improvements, ensuring seamless operations. - Reduced Cash in Hand Ratio and implemented operational cost-saving measures, contributing to financial efficiency.
MCB Islamic Bank Ltd.Head of Branch Operations
Feb. 2019 - Apr. 2021Lahore, Pakistan- Successful acquisition of twice MCB branches, integrating operations seamlessly; implemented robust RCSA Framework, ensuring continuous monitoring within Retail Banking Group, enhancing risk management practices. - Reviewed, formulated, and disseminated process guidelines and regulator instructions, ensuring compliance and standardized practices. Effectively escalated significant compliance issues to diverse management levels, ensuring swift resolution. - Acted as a central point of contact for Retail Banking Group, fostering collaboration with Audit, Compliance, HR, and other departments. Carefully reviewed high-turnover and NGO accounts, proactively mitigating regulatory implications and risks. - Conducted impactful training sessions on Audit and Compliance, enhancing the team's expertise and regulatory adherence. - Led a Biometric project, reviewed dormant accounts, and executed a Data Cleansing initiative, enhancing data accuracy. - Implemented EKYC and transitioned manual records to the Core Banking System, streamlining customer data management. - Established System-based Alert Tracking and name screening systems, augmenting real-time monitoring and compliance efforts. Supervised UATs for system changes, initiating BRD and CR for enhanced operational efficiency.
MCB Islamic Bank Ltd.Department Head - Internal Audit (Monitoring, Whistleblowing, Quality Assurance & BFC)
Oct. 2015 - Jan. 2019Lahore, Punjab, PakistanDeveloping, implementing and maintaining a system of Monitoring, Whistleblowing and quality assurance in order to provide reasonable assurance to stakeholders that internal audit activity conforms to International Standards for Professional Practice of Internal Auditing and Code of Ethics of Institute of Internal Auditors, MCB’s Internal Audit Policy and Internal Audit Manual approved by audit committee, the organization ‘s risk and control assessment framework, international & local laws; operates in an efficient and effective manner and perceived by stake holders as adding value and improving internal audit’s operations by adopting best practices.
MCB Bank LimitedManager Quality Assurance / AVP
Jan. 2014 - Sep. 2015LahoreDeveloping, implementing and maintaining a system of quality assurance in order to provide reasonable assurance to stakeholders that internal audit activity conforms to International Standards for Professional Practice of Internal Auditing and Code of Ethics of Institute of Internal Auditors, MCB’s Internal Audit Policy and Internal Audit Manual approved by audit committee, the organization ‘s risk and control assessment framework, international & local laws; operates in an efficient and effective manner and perceived by stake holders as adding value and improving internal audit’s operations by adopting best practices.
MCB Bank LimitedUnit Head Research & Re-engineering (Officiating) / OG – I
Feb. 2013 - Dec. 2013LahoreResponsible for in house development and re-engineering of Audit methodology, mechanism, processes, guidelines, standard working papers and Audit Master Data (General Banking, Advances and Trade Finance) for branch audits, work programs, process flows and involved in mapping and up-dation of audit working papers with COSO documentation and respective Manuals and circulars of bank / regulators. Plan, coordinate and organize Data collection from Region Heads / General Managers Audit with an aim to effectively utilization of data for development of processes, guidelines and Master Data. Collecting and sharing Research with respect to Audit within the Group.
MCB Bank LimitedManager Training / OG – I
Oct. 2010 - Feb. 2013LahoreAnalysis of person wise Training needs with an aim to effectively utilization of data for development of system and trainings. Development of Training programs for On The Job Training of Audit & RAR Staff. Organized in-house, ex-house trainings both at domestic and overseas platforms. Organized Training Sessions by utilizing the services of foreign trainers for better understanding and maximum utilization of resources. Managed training Budget for both domestic and overseas trainings. Delivery of Trainings on various topics related to banking. Assisted Unit Head in completion of Research and Re-engineering tasks.
MCB Bank LimitedAudit Manager
Jul. 2008 - Oct. 2010LahoreInvolved in different branch / management audit assignments and performed audit planning, risk assessment, execution and co-ordination with management, Internal control department and other audit / business side officials. Managed several integrated audits focused on key business processes. Developed and maintained partnerships with senior executives within client groups to achieve business results and analyze complex audit activities.
Lafarge Pakistan Cement Company Limited.Senior Sales Support Executive
Apr. 2006 - Apr. 2008IslamabadA Subsidiary of Lafarge, Multination Organization Involved in Production of Cement. Head of Sales Admin Department and Independent to work and to directly reportable to Director Commercial. Having the honor to be declared as Super user and owner of the Sales Cycle in Pakistan as well as in UAE Operations. Worked on deputation in UAE while staying on the pay roll of Lafarge Pakistan. Responsibilities include Distribution Administration, coordination with Logistics, Sales Planning, Dispatch and Finance for smooth and early delivery to Customers. Looking After the Sales Administration for both Export and Local Sales. Ensuring effective utilization of trade schemes and proposes trade schemes for coming week. Ensuring effective control of transit loss, and market returns/hygiene. Ensuring optimum stock level and timely order generation at distribution. Building strong and mutually beneficial relationships with customers. Identify and develop plans for expansion of distribution infrastructure. Develop efficient route planning and service frequency. Extensive involvement in development and of Sales System and Business Process Flow.
TMS Consulting Group LtdManager Logistics
Jan. 2004 - Jan. 2006LahoreMultinational organization working in different countries of the world in Textile Sourcing and consulting. Head of the Department and Independent to work and to directly reportable to Country Manager and Principal office abroad. Responsibilities include Planning and Scheduling of Shipments. Information gathering from concerned merchandisers (Pakistan & Principal office abroad). Looked after for the Purchase Contracts with Factory and Head Office. Management of shipping files of specific shipment as per the shipping instructions. Instructions issuance for shipping and financial instructions to Factory and Forwarder and to counterpart at Principal office. Coordination with forwarders and shipping lines for TMS requirements. Arranging spaces in airlines and with shipping lines. Opening and transferring LCs to Factory according to the purchase contracts. Authorization of payments to Factory.
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