Vice President & Senior Relationship Manager – Corporate Investment Banking at Meezan Bank Ltd. (2012-09 – Present)
Lead the full corporate banking mandate for a diversified portfolio of large-cap clients across manufacturing, energy, infrastructure, FMCG, and real estate sectors, with direct accountability for business origination, Shari'ah-compliant credit structuring, and ongoing relationship stewardship.
- Drive new business origination and manage an existing corporate portfolio, consistently meeting and exceeding annual disbursement and revenue targets through a consultative, client-first approach.
- Structure and execute complex Islamic finance transactions — including Diminishing Musharakah, Ijarah, Murabaha, Istisna'a, and Project Finance — tailored to large-ticket client requirements.
- Lead end-to-end credit appraisal, financial statement analysis, and risk profiling for corporate and institutional clients; prepare comprehensive credit memoranda presented to senior management and credit committees.
- Collaborate closely with Treasury, Trade Finance, and Cash Management teams to deliver holistic financial solutions covering working capital, capex, LC facilities, and bank guarantees.
- Grew portfolio revenue by approximately 95% over the tenure through strategic client deepening, disciplined cross-selling, and meticulous deal management.
- Maintain senior-level relationships with Group CFOs, CEOs, and board members, positioning Meezan Bank as the preferred financial partner for clients' growth strategies.
- Proactively identify and mitigate credit risk through regular portfolio reviews, covenant monitoring, and timely escalation of early warning signals to senior management.
- Mentor and guide junior relationship managers and credit analysts, fostering a high-performance team culture within the Corporate Banking Group.
Credit Officer – Finance Department at The Bank of Khyber (2011-04 – 2012-09)
Managed a diversified corporate & SME credit portfolio of USD 50 million.
- Supervised end-to-end processing of loan requests — from initial client engagement through credit approval, documentation, and drawdown — ensuring compliance with regulatory and internal policy frameworks.
- Conducted in-depth financial analysis and credit risk assessments for new and renewal credit proposals across textile, sugar, FMCG, poultry, real estate, and construction sectors.
- Coordinated finalization of treasury-related transactions and maintained audit readiness across the credit function.
- Organised team workflows to ensure file reviews were completed accurately within prescribed turnaround timelines, improving overall operational efficiency.
Credit Analyst – Operations & Finance at Soneri Bank Ltd. (2006-02 – 2011-04)
Progressed from Branch Operations to Credit Division within four years.
- Analysed client financial needs and recommended tailored financing products, including working capital facilities, term loans, and trade finance instruments for corporate and SME clients.
- Prepared credit proposals and supporting financial models, contributing to the approval of multiple large-ticket facilities during a period of significant portfolio expansion.
- Strengthened existing client relationships, increasing wallet share and supporting growth of the bank's deposit base.
- Completed a structured six-month Management Trainee Officer (MTO) program at Soneri Bank's Training Academy, Karachi, covering all commercial banking disciplines.
Assistant Finance Manager at Asjad Textile Mills Pvt. Ltd. (2004-04 – 2006-01)
Finance & Accounts Department.
- Managed day-to-day accounting, financial reporting, and payroll operations for a textile manufacturing entity.
- Collaborated with external auditors on the preparation of annual financial statements, interim P&L reports, cash flow statements, and balance sheets.
- Identified underperforming investment avenues and reallocated finance facilities to higher-yield instruments, contributing to estimated savings of USD 0.8 million for the firm.
- Developed and implemented financial policies and procedures, improving internal control frameworks across the finance function.
Accounts Officer at KPD Marketing (2000-03 – 2004-03)
Accounts Department.
- Maintained ledgers, recorded project receipts, performed daily bank reconciliations, and managed accounts payable and receivable functions.
- Supported fixed assets management, client communication, and month-end close activities, building a strong foundation in accounting discipline and financial controls.
