Muhammad Waseem Malik

Results-driven Branch Operations Manager with over 4 years of proven leadership in retail credit operations, portfolio administration, and branch governance within leading microfinance institutions. Demonstrated success managing active lending portfolios exceeding 2,200 accounts, maintaining near-zero Portfolio at Risk (PAR), and ensuring 100% regulatory and documentation compliance. Adept at internal controls, operational risk mitigation, fraud investigation, and building high-performance branch teams.

Strong track record recognized through multiple "Employee of the Month" honors and induction into the elite "Champion Club."

Branch Manager at Kashf Foundation (2024-02 – Present)

• Lead overall branch management and operational administration, overseeing 2,200+ active borrower accounts across urban and peri-urban segments.
• Enforce rigorous credit appraisal and KYC validation standards, securing sustained 100% recovery rates and holding Portfolio at Risk (PAR) within benchmark limits.
• Direct daily operational routines, document verifications, customer grievance redressal, and regulatory audit readiness.
• Provide escalation support across regional clusters to resolve high-delinquency cases and complex recovery bottlenecks.
• Track individual and collective KPIs, delivering sustained monthly growth across loan disbursements and customer retention.

Branch Manager at Kashf Foundation (2022-09 – 2024-01)

• Supervised a direct operational and field team of 7 officers; established daily field schedules, loan processing pipelines, and branch targets.
• Spearheaded an internal operational audit that uncovered documentation irregularities and field-level fraud, successfully rehabilitating and securing the affected portfolio.
• Ensured error-free documentation, credit files, and register management in line with institutional governance standards.
• Conducted structured onboarding and compliance training for new hires on operational ethics, credit policy, and risk identification.

Business Development Officer (BDO) at Kashf Foundation (2022-08 – 2022-08)

• Executed grassroots client outreach, pre-screening of loan applicants, and collateral/guarantor verifications.
• Earned accelerated promotion to Branch Manager within the first month based on leadership aptitude, operational discipline, and target achievement.

Bachelor of Arts (B.A.) – Shah Abdul Latif University, Khairpur (2022)

Intermediate in Commerce (I.Com) – Government Degree Science College, Gambat (2014)