Hira Naim

Experience

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  HBL - Habib Bank Limited

  Dec 2010 - now

  Contributing to the overall regional sales strategies and further initiation, co-ordination and implementation of business plans for the assigned specific areas that includes Sales targets, Business growth etc.Driving HBL ID, Money Club & Freedom Account activation campaigns in branches to improve sales.To develop and manage promotional campaigns & activities in order to enhance brand awareness & promote liabilities product salesTo develop new & existing cross-sell opportunities for the other consumer products & accountsIdentify target market & potential customers for liabilities. Conduct market research to identify business opportunities.Arranging preferential rate approval from Head Distribution on High cost deposits accounts after analyzing customer’s over all profile & profitability.Monitoring and tracking the performance of 121 Relationship Managers through proper sale management information system. Assigning sales targets, designing KPIs Show less

  • Business Planning Manager - Branch Banking

    Sept 2012 - now

  • Assistant Product Manager - Islamic Banking

    Dec 2010 - Aug 2012
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  United Bank Limited

  May 2017 - now

  Product Manager Credit Card

  Conducting market research, generating product requirements, determining specifications, pricing, and time-integrated plans for product developmentTo develop and manage advertising & promotional campaign & activities in order to enhance the brand loyalty and imageConduct regular training for Sales, Service and Quality, Marketing Services and branches on policy changes, documentation and new campaign launchTo generate new sources of revenue for the businessResponsible for reviewing policies pertaining to existing customers & recommending changes based on revenue & market analysisTo manage pricing in line with the bank’s requirement and market practice Work closely with segments, Marketing, Sales Distributions Channels to ensure optimum product penetration and maximize product profitabilityAnalysis of the profit and loss (the P&L) statement and on the key dynamics to interpret the performance of business to get help in making decisions Analysis of sales to identify improvement opportunities, understand their root causes, and take actionSupport sales teams in getting the deviations/approvals, PEP & Prime customer approvalsContribute to increase market shareManaging insurance sales portfolio of credit cards that contributes to massive revenue to credit card P&LIdentify and address customer needs and expectations and ensure product is effectively managed for the target segment Show less