Kanwar Lal

Results-oriented banking and microfinance professional with over six years of experience in loan operations, portfolio management, client relationship management, and branch operations. Experienced in credit appraisal, loan disbursement and recovery, business development, team supervision, and customer service. Proven ability to achieve business targets, maintain portfolio quality, ensure regulatory compliance, and build long-term client relationships.

A proactive and dependable professional with strong analytical, communication, and leadership skills, committed to delivering operational excellence and contributing to sustainable business growth.

Assistant Service Centre Manager - ASA MFB PAKISTAN LTD. - Karachi, Pakistan

(2026-06)

• Assisted the Service Centre Manager in the day-to-day management of branch operations and field activities.
• Acquire and manage business portfolio for SBL/SME borrowers.
• Achieve the set target of loan disbursement (New & Repeat).
• Supervised and guided Loan Officers to achieve targets for client acquisition, loan disbursement, and recovery.
• Responsible for group formation in cities/towns, each group consisting of 3–10 clients.
• Verify at least 50% of repeat clients.
• Ensure 100% compliance with applicable policies and circulars.
• Carry out the duties of Junior Loan Officer (JLO) / Loan Officer (LO) during their leave.
• Conduct pre-disbursement assessment at the client's residence and business.
• Conduct CIB of clients before loan disbursement.
• Cross-check documents, registers, and ledgers on a daily basis.
• Visit all branch groups within six months (1–2 groups per day in addition to own portfolio visits).
• Market bank products daily to potential client groups.
• Act as in-charge of the branch during the absence/leave of the RM/SCM.
• Disburse loans according to the stipulated policies and procedures (member's age, scheme/business, house status, behavior, etc.) and remain responsible for any irregularities. Guide clients for the proper utilization of loans.
• Maintain all records of the assigned portfolio on a daily basis.
• Ensure all branch staff are present at the time of loan disbursement and sign the loan form after disbursement.
• Perform any other work assigned by the supervisor as required.
• Monitored loan portfolio quality by minimizing overdue accounts and maintaining portfolio-at-risk (PAR) within acceptable limits.
• Conducted cash verification, record reconciliation, and documentation audits to ensure operational accuracy.
• Visit 2 OD/BD clients per day.

Loan Officer - ASA MFB PAKISTAN LTD. - Pakistan

(2020-12 - 2026-07)

• Identify and recruit eligible clients for microfinance loans through regular field visits.
• Conduct client meetings and form borrower groups in accordance with the bank's lending policies.
• Assess loan applications by verifying applicants' identity, residence, business activities, repayment capacity, and creditworthiness.
• Complete loan documentation accurately and submit loan applications for approval.
• Coordinate with the Branch Manager during the credit appraisal and loan approval process.
• Disburse approved loans in accordance with bank policies and procedures.
• Collect loan installments on schedule and maintain a high loan recovery rate.
• Monitor borrowers to ensure loans are utilized for their intended purpose.
• Build and maintain strong relationships with clients by providing quality customer service and financial guidance.
• Maintain accurate records of client information, loan transactions, collections, and daily field activities.
• Update customer and loan data in the bank's management information system (MIS).
• Identify overdue accounts, follow up on delinquent borrowers, and support recovery efforts.
• Ensure compliance with the bank's credit policies, regulatory requirements, and internal controls.
• Meet assigned monthly targets for client acquisition, loan disbursement, portfolio quality, and recoveries.
• Prepare daily, weekly, and monthly performance reports for the Branch Manager.
• Perform any additional duties assigned by the Branch Manager or senior management.

Agriculture Field Assistant - Centre for Agriculture and Biosciences International (CABI), Pakistan - Tando Allahyar, Pakistan

(2018-05 - 2018-10)

• Prepare detailed implementation plan of training for farmers on Better Cotton Standard System (BCSS) and Good Agricultural Practices (GAPs) for cotton crop.
• Survey for selection of potential cotton farmers and updating the information for existing cotton growers.
• Registration and successful capacity building of farmers and workers regarding best practices and Better Cotton Standard System (BCSS).
• Farmers, farm workers (male and female) capacity building on relevant criteria for Better Cotton production, Good Agricultural Practices (GAPs) for cotton production and record keeping.
• Facilitate the famers/growers to register and develop as producer organizations.
• To conduct the internal assessment of registered cotton growers.
• Prepare the fortnightly progress reports and submit to Producer Unit Managers.
• Collection of seed cotton data (available and sold) from registered cotton growers and sharing with Producer Unit Managers.
• Prepare technical reports of cotton growers.
• Collection and verification of Result Indicator Data (RI) from farmers and its submission to Producer Unit Manager with in the given time period.
• Complete and timely submission of any assignment given by line manager.
• Good communication and interpersonal skills, self-motivated, an enthusiastic team player and able to manage conflicting priorities.

Internee - Pakistan Agricultural Research Council (PARC) - Islamabad, Pakistan

(2017-10 - 2017-11)

Research Project: Analysis of Guar (Cyamopsis tetragonoloba) Germplasm Using SDS-PAGE. Research Analysis: Performed seed protein extraction and SDS-PAGE analysis to evaluate genetic diversity among guar germplasm. Identified protein polymorphism and assessed genetic variation using electrophoretic banding patterns. Interpreted laboratory data and documented findings for research reporting.

• Conducted protein profiling of guar germplasm using Sodium Dodecyl Sulfate–Polyacrylamide Gel Electrophoresis (SDS-PAGE).
• Extracted seed storage proteins and prepared samples for electrophoretic analysis.
• Performed SDS-PAGE to assess genetic diversity and characterize protein banding patterns among different guar genotypes.
• Analyzed electrophoretic data to identify polymorphic and monomorphic protein bands.
• Evaluated genetic relationships among germplasm based on protein marker analysis.
• Maintained laboratory records and ensured accurate sample preparation, gel casting, staining, and documentation.
• Interpreted experimental results and prepared technical reports and research presentations.
• Followed laboratory safety protocols and quality assurance procedures throughout the research.

B.SC AGRI (HONS) - Plant Breeding & Genetics - Sindh Agriculture University, Tando Jam (2013 - 2018)

Higher Secondary School Certificate Part-II - Pre-Medical - Board of Intermediate and Secondary Education Mirpurkhas, Sindh (2012 - 2012)

Secondary School Certificate Part-II - General Science - Board of Intermediate and Secondary Education Mirpurkhas, Sindh (2010 - 2010)