I have introduced 3 new products (Gold finance, agriculture loan & interest free loan) and improved existing products of enterprise loan, business investment loan and general loan. Currently working on warehouse receipt finance, renewable energy finance and vehicle financing. 
As Manager Operations, 10 branches made fully functional while starting from scratch. Maintained PAR>30 at 0.00% despite challenging market conditions in South Punjabd. 

Managed bank’s agri. finance business involving sales, marketing and administration of bullet loan products (crop production and livestock fattening). FINCA bank’s loan portfolio increased from PKR 6.65 billion to PKR 12 billion in assigned products during this tenure.
Responsible for agri. Strategy, new product development, refinement of existing products, reporting & implementation of SBP schemes, new business collaboration and continuous business improvement.

Transformed strictly donor dependent Islamic microfinance operations into self-sustaining program and improved operational self-sufficiency from 43% to 132%. I visited Nairobi – Kenya to attend one-week training on Women Empowerment.

Provided technical support for successful implementation of Prime Minister’s Interest Free Scheme. The main deliverables include business operational planning, selection of partner organization, reporting & monitoring mechanism and capacity building of partners on portfolio management. 

Achieve deliverables of USAID Entrepreneurs Project (budget of US $30 million) with respect to value chain finance. Designed an innovative value chain financing model for dairy producers, bank and milk processing company (adopted by FINCA Microfinance Bank and Shakarganj Food Products Limited).

Managed RCDS overall microfinance operations; system building, operation strengthening, strategic and operational business planning, risk mitigation, policy compliance and expansion initiatives. RCDS witnessed 37% increase in active borrowers and 48% increase in business volume during 2011.
Implemented project on dairy value chain development where all tasks of milk handling (production, collection, transportation, sale to end consumer) were managed by farmers themselves (though apex organization of farmers). This model was recognized for elimination of middlemen in dairy value chain

Develop workable solutions to achieve organizational goals for economic development and guide regional teams for implementation of thematic areas including microfinance, agricultural livelihoods, enterprise development and skill enhancement trainings. Implemented alliance operations with Khushhali Bank Limited in 10 branches.

Coordinator Social Sector       (Social Sector Development Unit – Islamabad)               Sep 2006 – Sep 2007
Supervised Alliance Operations across Pakistan and enhanced ratio of fresh borrowers (70% increase).




Branch Manager                                        (Chishtian – Bahawalnagar)                                       Mar – Sep 2006
Branch became profitable as well as got first rank in KPIs performance across KBL network.




Credit Specialist                                                    (Bahawalnagar)                                         Sep 2004 -Mar 2006
Cash flow analysis, credit scoring and compliance review for more than 15,000 loan applications.




Business Development Officer                           (Rahim Yar Khan)                                       Aug 2002 – Aug 2004
Provided microcredit to 1,021 borrowers while maintaining 99.8% recovery rate.