Shoaib Khalid

Experience

• 

  Al-Hamd Electronics, Okara

  Oct 2016 - Feb 2020

  Responsibilities:· Assist the team in overseeing day-to-day operations of the store, including sales, inventory management, merchandising, and customer service· Drive sales and profitability through effective leadership, coaching, and development of the sales team· Maintain commitment to quality in all products and services provided· Develop and maintain strong customer relationships to ensure high satisfaction and loyalty· Implement and execute business plans and company initiatives· Monitor and analyze sales data to identify trends and opportunities for improvement· Ensure compliance with company policies and procedures, and local, state, and federal regulations· Assist in recruiting, hiring, and training new team members Show less

  • Sales Manager

    Oct 2019 - Feb 2020

  • Assistant Sales Manager

    Oct 2016 - Oct 2019
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  FINCA Microfinance Bank Ltd, Pakistan

  Feb 2020 - Apr 2021

  Being Credit Officer SE / MSME, I directly work with Mediam and Small Business Man / rural / farmers / shop keepers / Government Employees and Maintained two portfolios (MSME / General). Mobilized peoples / Business Man and provided Microfinance Services of 43.7 Million to 437 Clients. Major Responsibilities:•Generating New clients, underwriting, processing and monitoring SE / MSME, House Loan (Mortgage Loan), Personal loan (Salary Loan) and vehicle (Auto Finance) loan portfolio.• Identify New SE(Small Enterprises) / MSME, House Loan (Mortgage Loan) in the assigned area (Okara City/ Okara Cantt).•Assess their loan requirements based on customer need and present appropriate loan proposals to the credit committee for approval.•Develop and analyze financial statements of the SE /MSME in order to access the financial soundness of the business and his repayment capacity.•Conduct loan appraisal, collect and verify detailed information (personal, business, guaranties and collateral pertaining to SE/MSME) to open new SE/MSME loan accounts.•Prepares and execute loan contracts and arrange for disbursement of loan.•Receive feedback of SE/MSME clients for product enhancements and new product requirements.•Meet internal service standards and ensure no service related complaints are received from customers.•Monitor SE/MSME, House Loan(Mortgage loans) and ensure timely repayment.•Conduct, complete and process SE/MSME, House Loan(Mortgage Loan) booking / documentation in strict compliance with Finca Microfinance Ltd policies, procedures and regulatory requirements.•Thoroughly review FIM (Finca instructions manual) to understand products and processes. Show less Being Credit Officer MSME / SME, I directly work with rural Dairy farmers / Agriculturists / shop keepers / Medium government and semi government Employees.Mobilized people and provided Microfinance Services of 14.5 Million to 272 Clients. Major Responsibilities:•Generating New clients, underwriting, processing and monitoring SME, MSME, Personal & house finance and vehicle (Auto finance) loan portfolio.• Identify new new clients in the assigned Area (Okara Cantt). •Assess their loan requirements based on customer need and present appropriate loan proposals to the credit committee for approval.•Develop and analyze financial statements of the MSME in order to access the financial soundness of the business and his repayment capacity.•Conduct loan appraisal, collect and verify detailed information (personal, business, guaranties and collateral pertaining to MSME/SME) to open new MSME loan Accounts.•Prepares and execute loan contracts and arrange for disbursement of loan.•Receive feedback of MSME clients for product enhancements and new product requirements.•Meet internal service standards and ensure no service related complaints are received from customers.•Monitor MSME/SME (General) loans and ensure timely repayment.•Conduct, complete and process MSME/SME(General) loan booking / documentation in strict compliance with Finca Microfinance Ltd policies, procedures and regulatory requirements.•Thoroughly Review FIM (Finca instructions manual) to understand products and processes. Show less

  • Credit Officer SE/MSME - Business Banking

    Jan 2021 - Apr 2021

  • Assistant Credit Officer MSME/SME - Business Banking

    Feb 2020 - Jan 2021
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  Easypaisa Bank Limited

  Jun 2022 - now

  Being a Credit Manager, I am responsible for development of business and managing the existing branch portfolio in compliance with the Bank’s policies and regulatory requirements. Also ensure the efficiency of customer service experience along with smooth processing of relevant transactions. Supervision of Branch Credit Team:• Develop and execute growth strategies to improve profitability.• Monitor daily performance and cross-selling efforts.• Achievement of profit and revenue goals.• Oversee branch operations and ensure adherence to safety protocols.• Manage staff performance, conducting appraisals and improving turnaround times.• Expand the customer base through targeted marketing efforts.• Ensure compliance with internal policies, AML, and SBP regulations.• Compliance with all regulatory and documentation standards.• Build and maintain strong relationships with customers and the community.• Lead, coach, and develop branch staff on service expectations and policies.• Conduct regular employee meetings to address operational issues and share goals.• Train employees to enhance their service delivery and product knowledge.• Ensure zero fraud cases or integrity issues within the branch.• Accurate reporting of MIS and day-to-day operational metrics.• Resolve customer complaints efficiently within set timelines.• Monitor customer feedback and develop strategies for improving satisfaction.• Monitor staff performance and provide constructive feedback for improvement Show less As an Area Team Leader, Evaluated and supervising branch banking business of Micro, Small, and Medium Enterprises in the Area branches (Okara, Depalpur, Haveli Lakha, Hujra Shah Muqeem and Basirpur) field in terms of loan production loan processing / appraisal and marketing to achieve the business sales target with high quality of portfolio.Supervision of MSME/SME BO, s area Branches:• Work closely with Production Credit and Compliance Managers to conduct a comprehensive financial analysis and risk assessment to determine appropriate loan amount and terms.• Conduct thorough business verification identify risks and propose risk mitigations to reduce possible credit risks.• Check preliminary loan requests and assist loan officers in identifying the eligibility of clients.• Assist loan officers with loan production and Business Development.• Manage and direct Loan Officers to achieve monthly / annual production targets.• Provide training and guidance to loan officers in the field.• Assist loan officers to maintain existing clients and market for new potential clients.• Risk identification/verification of credit applications and find solution to mitigate risks.• Review loan agreements and ensure correctness of the contracts before disbursement.• Making pre-CC/screening for making recommendation on the loan for SME Credit Manager/Credit Committee.• Reduce the PAR rate in the SME portfolio. • Fraud identification especially pre-disbursement. Show less Supervision of Branch:•The Regional Office assigned me additional assignments (Acting Branch Manager) from various branches. (Depalpur, Haveli Lakha & Basirpur), Performing all duties of the Branch Manager in cases of absence or emergency.•Responsible for smooth functioning of all branches’ including administration, marketing, training, lending, and security.•Formulate viable business development strategies to ensure long-term success and achievement of goals.•Actively handle customer complaints and ensure every query of the customer is addressed appropriately.•Responsible for the functioning of branch in all aspects including operational and administrative functions.•Cash and Collateral reconciliation in branch cash vault will be done once a month as mentioned in (Branch Operational Manual)-BOM version 5.0.•Protection of critical information such as Ids and passwords.•Build a balance between the loans and deposits to achieve the self-funding status of the branches and take full responsibility of branches as revenue center.•Take full responsibility of bank’s reputation in all functional areas, particularly the integrity of the system and financial reconciliation.•Always ensure that the maintenance and cleanliness of branch commensurate with the image of bank.•Strict monitoring of staff against any corruption and malpractices and report any such incidents to supervisor’s office (Head Office/ Regional Office) with confidence and integrity.•Incumbent shall be responsible to adhere to Telenor Microfinance Bank Behaviors & Values in all aspects of his/her work conduct.•Ensure that a culture of risk and compliance management is implemented, and institute performance measures tied to individual risk and compliance responsibilities. Show less

  • Relationship Manager Asset - Productive Lending and Easypaisa Channels, Corporate Business

    Feb 2023 - now

  • Team Leader SME - Business Banking

    Apr 2021 - Feb 2023

  • Acting Branch Manager

    Jun 2022 - Aug 2022