Experience

• 

  Bank alfalah limited

  Jun 2005 - Oct 2010

  Senior relationship manager

  Senior Relationship Manager Corporate BankingResponsibilities include Credit Marketing, Credit Administration, Monitoring of Loan portfolio and Relationship Management of Corporate / SME customers Increase sales volumes and market share in target markets by focusing on present customers and acquire new acquisitions Identify and market new business to achieve budgetary targets in SME and Corporate sectorMarketed and successfully managed relationships in Textile, Shipping, Hotels, Tourism, Manufacturing, Pharmaceuticals and TelecomAnalysis, Preparation and Processing Credit proposals and assessing sector risksFinancial & Risk Analysis of customers and Portfolio ManagementAchieved success in cross selling of banks products including deposits, personal loans and credit cards to Corporate customersEnsuring long term relationship with customers to generate profitability in relationships handledStructure funded and non funded facilities for the clients including Running Finance, Term Loans, Lease, Export Refinance and Non funded such as LCs and Bank GuaranteesTo keep updated regarding policies and SBPs Prudential Regulations pertaining to SME and Corporate credits and ensure their complianceManaging credit documentation and post disbursement monitoring of the accounts Managing client relationships for repayment and satisfactory conduct of accountsConducting financial, Industrial and Economic analysis of different segments of economy Rectifying audit objections raised by internal, external and government auditors and to adopt suitable measures so that such exceptions do not recurPreparation of daily, weekly, monthly and yearly returns and MIS Reports pertaining to Advances Inspection of Stock, Registration of Mortgage and charge. Completion of Charge documentation, security and facility documentation pertaining to Credit facilities. Scheduled visit to customers place of business, places of mortgage, inspection of stock, registration of mortgage (with conc Show less

• 

  Allied bank limited, pakistan

  Oct 2010 - Apr 2011

  Team leader commercial assets

  Position Team Leader Credits Commercial and Retail Banking Group Credit Marketing and monitoring of Commercial and SME loan portfolioResponsible for meeting target budgets of new Commercial relationships comprising of asset and liability products in accordance with banks strategyReview and Analysis of Credit Proposals of SME customers initiated from various branches and approving small sized loansBuilding rapport and maintaining healthy relationship with existing and potential clients to cross sell various banking products and servicesHandling credit portfolio of 34 branches falling within the region of around Rs. 2.5 Billion Show less

• 

  Pakistan state oil

  Apr 2011 - now

  • Lead marketing initiatives for the retail business including the design and implementation of product marketing campaigns and brand building activities • To assist in formulation of business strategies and departmental goals in line with corporate planning.• To conduct data analysis in order to assist the Management in development of fuel sourcing plan demand forecasts for the department.• To conduct market research and competitor analysis to assist the Management to develop plans for improving supply chain mechanism.• To assist in developing KPIs and sales targets for divisions and regularly monitor and measure performance against the assigned targets.• To coordinate between sales divisions and Head Office for communication of policies• To ensure efficient inventory management by conducting accurate periodic demand forecasting based on industry dynamics• To conduct efficient distribution planning for efficient transportation mechanism and speedy product delivery to minimize shortages.• To develop planning of white oil imports in coordination with supply department • Formulate and implement business plan including long term, medium and short –term departmental goals and objectives in line with corporate planning.• Coordinate and implement marketing communication projects through special events, customer care days, trade shows and industry conferences.• Compiling, analyzing and developing communications material for internal and external audiences.• Prepared departmental Capital Budget and Sales Volume Budget. • To liaison with concerned officials/ departments obtain data and prepare replies to internal / external audits, agency OGRA queries • Assist in developing annual strategy of marketing mix to maximize results • Development of region specific content for PSOs Retail business department in order to develop marketing campaigns for various regions. • Ensure uniform prices at Retail outlets and monitor complaints regarding fuel price disparity Show less

  • Regional Head Central BP - HR IT & Administration

    Aug 2023 - now

  • Senior Manager Sales, Commercial Business

    Jan 2023 - Aug 2023

  • Manager Sales and Coordination Commercial Business Central Zone

    Jul 2021 - Jan 2023

  • Sr. Executive Sales Planning, Retail Business

    Jan 2019 - Jun 2021

  • Senior Executive Market Research

    Oct 2016 - Dec 2018

  • Executive Retail Sales Planning

    Apr 2011 - Sept 2016