A financial strategist with over a decade of experience in IT, finance, and retail banking, specializing in growth strategy, retail transformation, and campaign management. Expertise includes optimizing branch networks and enhancing operational efficiency within the banking sector. By leveraging financial and project management skills, strategic initiatives are crafted using data-driven insights to drive growth and minimize costs
Spearhead end-to-end Branch Network expansion and rationalization initiatives, including cyclical campaigns, ensuring each project meets its yearly objective
In 2022, directed a comprehensive branch network optimization strategy that involved relocating 55 underperforming branches to high-potential markets, opening 77 new locations, and renovating 68 existing branches to meet new standards
Successfully executed 200 franchise projects, tripling delivery rates compared to previous years marking one of the highest numbers in the industry
Enhanced business opportunities and efficiency, aligning with expansion goals and financial inclusivity while reducing breakeven timelines
Upgraded 45 branches nationwide to PWD Model status with new accessibility features, promoting inclusivity for Persons with Disabilities
Support forecast and budget creation, utilizing data analysis to improve project outcomes and maintain schedules
Extensive experience in planning, executing, and managing projects, including timeline, resource, budget, risk, and stakeholder oversight
- Managed the comprehensive Branch Network related investment agenda in coordination with the retail Banking Group
- Successfully consolidated over 50 branches within a span of three years, minimizing deposit attrition and optimizing operational efficiency
- Spearheaded cost-saving initiatives, implementing streamlined processes and resource optimization strategies, resulting in notable reductions in operational expenditure
- Collaborated closely with internal stakeholders including Digital, Distribution, IT, Property, and Group teams to implement global best practices effectively
- Implemented innovative digital solutions to enhance operational efficiency and reduce overhead costs across retail banking operations
- Negotiated strategic partnerships with vendors and suppliers to secure competitive pricing, contributing to significant cost savings
- Member of the organizing committee for department events and employee volunteering programs
- Responsible for engineering and maintenance of Daily Balance Sheet & Bank’s General Ledger and ensure its integrity & completeness
- Monitoring of regulatory and internal liquidity ratios
- Daily tracking of movements in advances and deposits at business segments level within the bank
- Assist in monthly preparation of Management Reporting, Monthly MISs, Downloads & extracts
- Network & liaise with key partners in Finance, Operations and IT– Locally and Globally
- Act as a bridge between Technology and Business / Operations to ensure requirements get transformed into IT solutions
- To ensure successful completion of new enhancements, functionality changes, data patches and UAT activities for Core Banking applications
- Understanding business requirements and how the requirements are met by the services provided
- Ensure successful delivery of technical services to internal stakeholders, specifically to those from Retail Banking, in accordance with the Service Level Agreement (SLA) to achieve their complete satisfaction
Financial Analysis
Project Management
Operational Efficiency
Cost Reduction Strategy
Strategic Planning
Risk Management
Stakeholder Engagement
Regulatory Compliance
Partnership & Alliances
Trainer - National Financial Literacy Program (NFLP)
State Bank of Pakistan (SBP)
2020 - 2021
NFLP is a collaboration between the State Bank of Pakistan (SBP) and various stakeholders, including commercial banks and non-profits. Its goal is to enhance financial knowledge and skills across society, particularly for un-banked and under-served populations, with a special emphasis on women
Youth Mentor-Rahbar Program
The Citizens Foundation (TCF)
2016 - 2017
The Rahbar Program is a youth mentorship initiative for eighth and ninth grade TCF students in Pakistan, focusing on the 'Thought to Destiny' outlook to inspire students to see themselves as creators of their own destiny and build trusted bonds, helping them discover their inner strengths and capacities to achieve their full potential in life