Credit Analyst - Agriculture Department at BankIslami Pakistan Limited (2025-06 – Present)
- Analyze agricultural credit proposals including farm finance, crop loans, and agri-business financing in line with SBP guidelines.
- Conduct cash flow analysis and financial assessments to evaluate creditworthiness of agriculture-sector clients.
- Manage portfolio risk and monitor exposure levels to ensure compliance with bank policies and regulatory requirements.
- Prepare credit proposals and recommendations for approval by senior management.
- Received a formal appreciation letter from senior management, including the COO, CRO, and Group Head - Agri Finance, in recognition of performance and contribution to the department.
Relationship Officer - Assets at U Microfinance Islamic Bank Limited (2023-09 – 2025-05)
- Managed a diverse assets portfolio covering microfinance credit, gold finance, and SME financing products in line with Islamic banking principles.
- Conducted client assessments, Shariah-compliant credit evaluations, and site visits to facilitate loan approvals.
- Grew the SME and gold finance portfolio by identifying and onboarding new clients across target market segments.
- Maintained strong client relationships to ensure timely repayments and high portfolio quality while meeting disbursement targets.
Relationship Manager at MCB Bank Limited (2016-12 – 2020-05)
- Managed a portfolio of business and retail clients, delivering tailored financial solutions to meet customer needs.
- Built and maintained strong client relationships to drive deposit growth, loan disbursements, and cross-selling of banking products.
- Conducted business development activities to acquire new-to-bank customers and expand the branch's client base.
- Performed regular portfolio reviews and ensured timely recovery of overdue accounts.
Loan Officer at Khushhali Microfinance Bank Limited (2012-02 – 2016-11)
- Evaluated and processed loan applications for microfinance clients, conducting field visits and due diligence assessments.
- Managed a portfolio of micro-loans, ensuring disbursement targets and repayment rates were met.
- Provided financial literacy guidance to clients and supported their business development initiatives.
- Maintained accurate records and prepared periodic portfolio performance reports.
Brand Ambassador at Procter & Gamble (P&G) (2011-01 – 2012-01)
- Represented P&G brands at retail and promotional events, driving consumer engagement and product awareness.
- Managed local market activities and reported on portfolio and sales performance metrics.
