Seasoned banking professional with expertise in Agri finance, sales, marketing, and cross-selling, supporting the farmer community. Proficient in eCommerce, digital marketing, and managing a successful Grocery Mart, demonstrating strong business and customer engagement skills.
Owns and Run a Mini Mart where services are being given as under,
§ Co-ordinates with the Order Bookers to get supplies for the shop
§ Sell snacks, drinks and everyday essential for residents.
§ Keep good relationships with the supplies to restock the item on time.
§ Manage the shop, handling sales, inventory and customer needs effectively.
§ Looked after and monitoring the entire Agri. Finance Portfolio of Distt. Lahore, Distt. Kasur, Sheikhupura, Gujranwala, Sialkot, Mandi Bahauddin & North Punjab upto Distt. Attock leading and supporting Agri. Finance Team, all the branches and sales staff especially Rural Business Development Officers (R-BDO’s) for different tasks i.e. Training for BIPL Agri. Products, Fresh Disbursements, NPL and Installment recovery.
§ Conducting Farmer Awareness Programs in different villages for awareness of Farmer Community in order to develop their Agri Farming by adopting latest Agriculture techniques, for better provision of Agri. Inputs so that they would be able to increase their output and income.
§ Coordination with Regional CAD Office, Lahore and CAD Office North, Islamabad for DAC Formalities of all the branches of region.
§ Coordination with State Bank of Pakistan to attend meetings for presentation of Agri. Finance Portfolio of BankIslami Pakistan Limited in terms of target achievement and any other Agri. Related issues.
§ Marketing of BIPL Islamic Agri. Products i.e Islami Haryali Finance (For Growing of crops and land development), Dairy Finance (For development and purchase of animals), Tractor and Solar Finance (Especially under Prime Minister Kamyab Jawan Entrepreneurship Scheme).
§ Cold Storage Finance and Karobar/Tijarah Finance (Warehouse receipt finance) which has been financed in Okara with coordination with Engro Fertilizers and Chiniot with Haji Sons.
§ Completion of Agri. Credit Proposals as per bank’s procedure & requirements.
§ Arrangement of other bank’s opinion and market repute confirmation of borrower.
§ Verification of revenue Record of Agri. Land or any other collateral (Residential and Commercial Properties) from concerned Revenue Department and spot verification of collateral and Business Site.
§ Motivate the customers for deposit & Cross Selling products i.e. Car Ijarah, Takaful & Muskan Finance etc.
Worked as Team Leader/Senior Agri. Finance Officer in Habib Bank Limited, Rahim Yar Khan where the Key responsibilities were as;
§ Looking after and monitoring the entire Agri. Finance Portfolio of Rahim Yar Khan Area and leading and supporting the Team of Agri. Finance Officers in the area for different tasks i.e. Fresh Disbursement, NPL & Markup Recovery, housekeeping of existing portfolio and coordination with Regional CAD Office for DAC formalities of Rahim Yar Khan and other branches of the area.
§ Marketing of HBL-Rural products i.e. financing to farmer community.
§ Completion of Agri. Credit Proposals as per bank’s procedure & requirements.
§ Arrangement of other bank’s opinion and market repute confirmation of borrower.
§ Verification of revenue record of agri. Land from concerned department (Revenue) and spot verification of collateral & Agri. Farms.
§ Motivate the customers for deposit & Cross Selling products i.e. Auto Loan, Banca, Personal Loans and Credit Card etc.
Worked as RM-Rural in United Bank Limited, Rahim Yar Khan (Area Office) and Sadiq Abad where the Key responsibilities were as;
§ Marketing of UBL-Rural products i.e. financing to farmer community.
§ Completion of Agri. Credit Proposals as per bank’s procedure& requirements.
§ Arrangement of other bank’s opinion and market repute confirmation of borrower.
§ Verification the revenue record of agri. Land from concerned department (Revenue)and spot verification of collateral & Agri. Farms.
§ Housekeeping of existing portfolio of all designated branches in city and Coordination with Regional CAD Office for DAC formalities of Rahim Yar Khan and other branches of the area.
§ Responsible for the NPL and Markup Recovery of all designated branches of city.
§ Motivate the customers for deposit & Cross Selling products i.e. Auto Loan, Banca, Personal Loan and Credit Card etc.
§ Assisted The Area Manager Rural and coordinated with all the RM’s of area to gather data/Information for reporting to Higher Office.
Worked as an Agri. Finance Officer in Soneri Bank Limited, Sadiq Abad being Incharge of the Department, where the Key
responsibilities were as;
§ Marketing of SBL-Agri products i.e. financing to farmer community where Agri. Finance Portfolio was started from Zero Level in the concerned branch.
§ Arrangement of other bank’s opinion and market repute confirmation of borrower.
§ Verification the revenue record of agri. Land from concerned department (Revenue)and spot verification of collateral & Agri. Farms.
§ Housekeeping of existing portfolio i.e processing of Renewals, Reviews and DAC Formalities.
§ Responsible for the NPL and Markup Recovery.
§ Arrangement of other bank’s opinion and market repute confirmation of borrower.
Also worked in SME/Auto Finance Department along with handling the Agri. Finance where responsibilities were;
§ Marketing the fresh customers for financing SME Products & SBL Auto Finance.
§ Preparation of Credit Proposals for fresh approvals, renewals and completion of CAD Formalities.
§ Reporting on fortnightly, monthly & quarterly basis.
§ Responsible to arrange all the documents of Agri. Finance, SME & Auto Finance Portfolio for Audit purpose.
Worked as Rural Finance Officer in Bank Alfalah Limited, Sadiq Abad where the Key responsibilities were as;
§ Marketing of Bank Alfalah-Agri products i.e. financing to farmer community.
§ Completion of Agri. Credit Proposals as per bank’s procedure & requirements.
§ Verification the revenue record of agri. Land from concerned department (Revenue)and spot verification of collateral & Agri. Farms.
§ Arrangement of other bank’s opinion and market repute confirmation of borrower.
§ Reporting to Head Office all the activities including SBP returns and other reports on Monthly and Fortnightly basis.
§ Motivate the client for deposit & Cross Selling products i.e. Auto Loan, credit card etc.
§ Keep the record of Inward and outward mails.
§ Processing of Annual Reviews and Renewals.