Executive Role-

Formulating and implementing strategies for steady growth.

Customer Franchise
• Ability to grow market share by offering customer centric automated products
• Focusing on improving customer experience, streamlining operations and leveraging data & technology by implementing digital banking channels
• Strengthening Fair Treatment of Customer requirements and implement monitoring, evaluation and a supervisory program to asses the level of compliance
• Leading core banking solution migration process

Enterprise Risk Management to ensure quality assets growth
• Determining risk appetite and implementing risk management automated systems to enhance the identification, assessment, mitigation, and monitoring of potential risks
• Employing early warning system to proactively managing potential risks and implementing strategies for remedial action.
• Proactively managing the risks of non-compliance with AML/CFT regulations to prevent legal penalties, financial losses & reputational damage.

Cost Management Efficiency
• Optimizing resource utilization by automating repetitive tasks (RPA), reduce manual errors & free up employees for higher value work.
• Digitalizing documentation and workflows to promote paperless environment leading to cost savings, improving TATs
• Reducing carbon foot print through renewable energy source to contribute to a more sustainable environment while ensuring long term cost savings
• Eliminating redundant/over spending and inefficient resource allocation, leading to cost savings
• Bridging geographical gaps by encouraging virtual meetings for greater participation and saving boarding & lodging expenses.
• Automating procure-to-pay (P2P) to reduce costs, increase efficiency, improve accuracy, strengthen internal controls and better supplier relationships.

People Management
• Capacity building to achieve sustainable development
• Rationalization head count by digitalizing services
• Fostering employee’s development & engagement through succession planning, combined with job rotation.
• Improving performance and achieving organization goals by implementing Risk Based Compensation structure
• Removing geographical & time barriers through e-learning platform, providing accessible & flexible learning opportunity
• Automating HR functions to significantly reduce costs by streamlining processes, minimizing manual errors and by transitioning to a paperless environment.

Financials
• Raising Tier I& II Capital in local and international markets- enlisting GDRs on London Stock Exchange and 1st Sub-Ordinated TFC (Tier II Capital) of banking industry in local market
Privatization/Acquisition/Due Diligence representing perspective of buyer/seller banks
• Focusing on profitability, economically allocating capital to achieve targeted ROE and ROA while maintaining asset quality.
• Strengthening Balance Sheet in terms of quality and size while ensuring optimum balance sheet leverage
• Maintaining economic capital above minimum regulatory requirement
• Automating finance and budget control for improving financial planning
• Monitoring performance through effective MIS- right information to right person at right time
Implementing financial restructuring regulatory plan for a non-scheduled bank upon getting banking license.
Winding Down of a Public Sector Bank – effectively implementing plan within targeted time for– Payment to Depositors, Closure of Branches, Lay off employees, Sale or disposal of immovable assets.

ESG/CSR
• Implementing robust corporate governance framework and Formulating and implementing CSR policy for employees and communities

Contribution to Benefit Banking Industry thru Pakistan Banks Association
• Persuading Government to amend the tax law to reform banking taxation
Recommending idea to develop shared KYC platform to stream line customer verification across FIs to reduce compliance cost and customer hassle by using blockchain technology. The platform is being implemented in phases.

Non-Executive Director Role - focus in achieving organization’s vision and targets through holistic, integrated, consultative and coordinated approach to strengthen governance and oversight. Acquired the insights & skills. Carry out fiduciary duty with a sense of objective judgement and independence in the best interest of organization.