District Manager – Lodhran - Punjab Rural Support Program (PRSP) - Lodhran
(2024-02)
Directed district-wide Early Childhood Care & Education (ECCE) program implementation across 247 schools, ensuring strategic alignment, effective delivery, and achievement of program objectives.
- Directed district-wide ECCE program implementation across 247 schools, ensuring strategic alignment, effective delivery, and achievement of program objectives.
- Led the establishment of 247 ECCE rooms and coordinated the capacity development of 247 Caregivers to strengthen quality early childhood services.
- Spearheaded multi-sectorial coordination with Education, Health, and Nutrition departments to advance integrated early childhood development outcomes.
- Strengthened Monitoring, Evaluation & Learning (MEL) systems through performance indicators, reporting mechanisms, data analysis, and evidence-based program improvement.
- Led community engagement and social mobilization initiatives to advance inclusion, gender equity, parental participation, and community ownership.
- Strengthened district governance, accountability, stakeholder engagement, and institutional coordination to enhance program quality, reach, and sustainability.
- Managed district-level planning, implementation monitoring, and performance reviews, ensuring timely identification and resolution of operational challenges.
- Provided technical and managerial oversight to field teams, promoting effective work planning, coordination, performance management, and compliance with project standards.
- Maintained effective coordination with government authorities, school leadership, communities, and project stakeholders to facilitate smooth and sustainable program implementation.
- Prepared program progress reports, analytical updates, and management briefs, supporting informed decision-making and continuous program improvement.
District Manager-Okara - Punjab Rural Support Program (PRSP) - Okara
(2023-06 - 2024-01)
Managed overall implementation of Public Schools Re-Organization Program across 56 public schools in District Okara.
- Managed overall implementation of PSRP across 56 public schools in District Okara.
- Led district-level planning, execution, monitoring, and achievement of project targets.
- Supervised field teams and ensured effective performance, accountability, and resource utilization.
- Coordinated with District Education Authorities, school heads, teachers, communities, and key stakeholders.
- Conducted regular school visits to monitor enrollment, attendance, teaching quality, infrastructure, and school functionality.
- Monitored school performance indicators and initiated corrective actions to address implementation gaps.
- Led community engagement, enrollment campaigns, and school improvement initiatives to enhance educational outcomes.
- Consolidated and analyzed field data and prepared district progress, monitoring, and performance reports.
- Facilitated district review meetings and ensured timely resolution of operational, administrative, and logistical issues.
- Ensured compliance with PRSP policies, project standards, reporting requirements, and quality assurance mechanisms while promoting sustainable program outcomes.
- Supported resource planning, budget utilization, procurement coordination, and logistical arrangements for effective district-level program delivery.
- Identified implementation risks and provided strategic recommendations to senior management to improve program performance and achieve project objectives.
Branch Manager - U Microfinance Bank Limited - Allahabad Branch
(2022-11 - 2023-06)
- Held comprehensive responsibility for branch operations, financial performance, compliance, and customer service delivery.
- Led credit portfolio management, including loan appraisal, monitoring, recovery, and risk containment measures.
- Implemented sales growth strategies, promotional campaigns, and customer engagement initiatives to improve branch profitability.
- Ensured compliance with banking policies, SBP regulations, internal audits, and operational risk frameworks.
- Developed and executed staff performance management systems, including KPIs, coaching, and succession planning.
- Optimized resource allocation to maximize operational efficiency and service turnaround time.
Branch Manager - NRSP Microfinance Bank Limited - Pattoki Branch
(2019-10 - 2022-11)
- Provided end-to-end strategic leadership of branch operations with full accountability for profitability, portfolio quality, regulatory compliance, and service excellence.
- Led branch business planning, setting annual targets for advances, deposits, recovery, and cross-selling in alignment with organizational growth strategies.
- Acted as Head of the Branch Credit Committee, overseeing credit appraisal, approvals, disbursements, and post-disbursement monitoring to mitigate portfolio risk.
- Strengthened risk management and internal control mechanisms, ensuring strict adherence to SBP regulations, internal policies, and audit requirements.
- Built and managed high-performing teams through recruitment, coaching, performance evaluation, and structured capacity-building plans.
- Monitored portfolio-at-risk (PAR), recovery ratios, and delinquency trends, implementing corrective actions to safeguard asset quality.
- Drove sales leadership and market expansion, enhancing branch outreach, customer acquisition, and financial inclusion.
- Fostered a performance culture through accountability frameworks, incentives, recognition systems, and continuous staff engagement.
- Ensured accurate MIS reporting, operational transparency, and timely submission of regulatory and management reports.
Branch Manager - ORIX Leasing Pakistan – Microfinance Department
(2018-11 - 2019-09)
- Led microfinance branch operations with a focus on portfolio growth, profitability, and risk-adjusted returns.
- Supervised credit operations, including client assessment, loan structuring, approvals, and recovery management.
- Monitored profit & loss statements, key performance indicators (KPIs), and operational benchmarks to drive informed decision-making.
- Strengthened risk mitigation strategies, ensuring compliance with internal controls and regulatory standards.
- Built, coached, and motivated teams to achieve sales targets, recovery benchmarks, and service quality standards.
- Enhanced customer confidence and retention through transparent processes, ethical lending practices, and service excellence.
- Conducted comprehensive credit appraisal and due diligence of loan applications to assess borrower eligibility, repayment capacity, and creditworthiness.
- Applied risk assessment and mitigation strategies to maintain portfolio quality and minimize potential credit losses.
Credit Officer/Appraisal Officer - The First Microfinance Bank - Zarrar Shaheed Raod Branch Lahore
(2018-06 - 2018-11)
- Conducted comprehensive credit appraisal and due diligence of loan applications to assess borrower eligibility, repayment capacity, and creditworthiness.
- Performed field verification of client information, business activities, household assessments, and supporting documentation to ensure accuracy and compliance.
- Evaluated financial and non-financial risks associated with loan proposals and provided recommendations for informed credit decisions.
- Applied risk assessment and mitigation strategies to maintain portfolio quality and minimize potential credit losses.
- Monitored loan utilization, repayment behavior, and portfolio performance to ensure adherence to approved lending terms and conditions.
- Ensured compliance with institutional credit policies, operational procedures, and regulatory requirements throughout the lending cycle.
- Identified early warning indicators and implemented preventive measures to reduce delinquency and portfolio-at-risk (PAR) levels.
Area Appraisal Officer - Damen Support Program - Area 4 and Area 6
(2017-01 - 2018-06)
- Evaluated financial and non-financial risks associated with loan proposals and provided recommendations for informed credit decisions.
- Applied risk assessment and mitigation strategies to maintain portfolio quality and minimize potential credit losses.
- Monitored loan utilization, repayment behavior, and portfolio performance to ensure adherence to approved lending terms and conditions.
- Ensured compliance with institutional credit policies, operational procedures, and regulatory requirements throughout the lending cycle.
- Identified early warning indicators and implemented preventive measures to reduce delinquency and portfolio-at-risk (PAR) levels.
- Conducted comprehensive credit appraisal and due diligence of loan applications to assess borrower eligibility, repayment capacity, and creditworthiness.
Assistant Executive (Monitoring) - Punjab Rural Support Program (PRSP)
(2012-02 - 2017-01)
Supported Chief Minister's Initiative for Primary Healthcare Project (CMIPHC) through monitoring and evaluation activities.
- Conducted regular field visits, verification exercises, and performance assessments of healthcare facilities and project staff.
- Collected, compiled, validated, and analyzed monitoring data to support evidence-based decision-making.
- Prepared monitoring reports, dashboards, and progress summaries for project management and stakeholders.
- Ensured data quality through spot checks, audits, and verification of records maintained at healthcare facilities.
- Coordinated with district health authorities, field teams, and project partners to address implementation gaps and improve service delivery.
- Tracked key performance indicators (KPIs) and monitored progress against project targets and timelines.
- Identified operational challenges and provided recommendations for corrective actions and process improvements.
- Maintained project databases and monitoring information systems to ensure accurate and timely reporting.
- Supported external evaluations, surveys, assessments, and donor reporting requirements.
- Facilitated capacity-building sessions and orientation of field staff on monitoring tools, reporting procedures, and data management protocols.
- Ensured adherence to project policies, quality standards, and monitoring frameworks established by PRSP and the Government of Punjab.
