 Oversee the management and monitoring of a substantial 500 million agriculture credit portfolio
 Leading and managing a team of 40 credit officers and 10 team leaders across Pakistan.
 Achievement of assigned disbursement targets, demonstrating effective strategic planning and execution in the disbursement process.
 Coordination with risk department to ensure seamless coordination in the development of credit products, aligning with regulatory standards and internal credit policies.
 Thoroughly review and approval of credit files, ensuring accuracy, compliance, and adherence to internal procedures, thereby maintaining the integrity of the credit approval process.
 Provision crucial support to field staff in both marketing strategies and credit file processing, enhancing overall efficiency and effectiveness in client outreach and service delivery.
 Preparation of credit loan application forms, annexures, and legal documents in accordance with regulatory requirements, internal credit policies, and procedures, contributing to a streamlined and compliant documentation process.

 Conduct training sessions for field staff, covering credit appraisal techniques, marketing strategies, housekeeping practices, and efficient credit file processing, contributing to skill enhancement and uniform practices.
 Development of advertisement material catalogue, flyer and flexes as product marketing tools for field staff.
Visit of branches for business review, marketing and training of field staff.
 Conduct market research, develops proposals, supervises and oversees the design process.
 Provision the oversight, planning, and key input to critical disciplines such as product development, marketing, smooth execution of customer’s loan queries, Turn Around Time (TAT).
 Preparation of MIS reports and develop Standard Operating Procedures for potentially complex analytical methods for translation to the broader team.
 Carry out customer’s awareness program at different area of the country to promote company’s products.

 Successfully led and managed a team of 90 Agriculture Credit Officers across Pakistan, ensuring effective coordination and collaboration to achieve organizational goals.
 Oversaw the management and monitoring of a substantial 2.3 billion agriculture credit portfolio.
 Represented the bank as the Head of Agriculture Credit in State Bank of Pakistan's Agricultural Advisory and Credit Committee (AACC) meetings.
 Took on the responsibility of achieving State Bank of Pakistan's assigned annual agriculture disbursement targets, demonstrating commitment and strategic planning.
 Oversaw the hiring process for new Agriculture Credit Officers, aligning recruitment with the specific needs and requirements of branches across the country.
 Reviewing disbursement and collection targets.
 Responsible for collection and recovery of corporate loans disbursed under value chain finance scheme with collaboration of legal department.
 Prepared Agri. credit products, policies and procedures that streamline credit portfolio by close cooperation with operations and sales departments, reviewing the impact of any policy and making improvement where necessary.
 Enhanced the scope of agriculture finance business through product excellence, value propositions and product approaches.
 Coordination in preparation of loan application form, charge documents.
 Preparation of corporate proposals, agreements, MOU, personal Guarantee, corporate guarantee and settlement agreement.
 Analysts of agri. credit proposal in respect to risk rating initiated by branches.
 To comply all SBP instructions and guidelines regarding disbursement of agri. loans.

 Coordinate in preparation of value chain finance products of the bank under the SBP PRs and guidelines.
 Simplify loan application form in respect to value chain finance products by utilizing the excellent skills of MS Excel to minimize loan processing time.
 Marketing of lending products like lease tractor, lease agriculture implements, finance for running capital of agriculture farm.
 Disbursed 1456 million finance under value chain finance scheme with 4373 relations and execute strategies to expand the portfolio through different sales channels.
 Segmentation & business intelligence to create customer centric segmentation for driving the right portfolio actions.
 Managed portfolio concentration in accordance to the approved Bank Policy.

 Management and monitoring of 176 million agriculture credit portfolio of Jaranwala, Samundri and Satyana Road Faisalabad Branches of the bank.
 Intensive touring to establish personal contacts with progressive and potential farmers and identify prospective active and honest farmers who are keen to improve their agricultural production.
 Lending and recovery of non-performing loans.
 Preparation, processing, evaluation and finalization of the proposal for onward submission to Regional Office/Head Office.
 Evaluation of applicant by farm field visit report/cash flow report.
 Checking of agriculture passbook record from revenue office.
 Completion of charge creation documents and record keeping.
 Maintain the record of sanction loans.
 Preparation and submission of monthly statements to the regional office head office.
 Checking and updating of insurance coverage of borrowers and assets.
 Follow up for recovery of markup, installments and insurance charges from
 borrowers.
 Periodicals visit in the field for inspection of crops, animals and tractors Financed by the bank.
 Recovery suit filing against defaulters.
 Farmers meetings and workshops at farm level for picking new borrowers.

 Managed agriculture credit portfolio 75.000 million with 495 numbers of relations in 4 different branches of Faisalabad Region.

 Acquired business for the bank as the front line contact with farmers for sale of retail agri. financial products.
 Follow up with customers for collections and keep the NPLs to minimum / acceptable level.
 Obtain MIS of accounts to fall due in next 30 days every week and follow up on them.
 Maintained up to date list of current & overdue relationships, along with Contact numbers, nearest relatives, addresses of home/office/allied business, the best time to visit etc.
 Maintained the relationship with the farmer and use the approach relevant to the stage of collections as per Agri. legal & recovery Manual.
 Recommend transfer of account / legal action, to the branch manager, when farmer behavior is incompatible and negative and all attempts to recover the payments by negotiation have failed.
 Discuss and finalize monthly activities calendar in consultation with the branch manager and RAGM Agri.