Manager Credit & Manager MIS AI & Data Scientist Based in Bahawalpur, Punjab, Pakistan.

Managed and monitored a diversified regional credit portfolio across 35 branches, supervising more than 33,000 borrower accounts in Consumer, Agriculture, and SME segments.

Reviewed and analyzed credit proposals(SME, Consumer and Agriculture) including fresh financing, renewals, enhancements, and restructuring while ensuring compliance with Bank Credit Policy and SBP Prudential Regulations.

Conducted borrower verification, risk rating reviews, and document scrutiny to assess creditworthiness and identify potential credit risks before approval.

Monitored post-disbursement credit performance to detect adverse changes in borrower risk profiles and recommended timely remedial measures.

Prepared and consolidated regional MIS, credit returns, and regulatory reports (ECIB, SCA, A07, ALCO, F-256, MS Pack, etc.) for submission to Head Office and SBP.

Analyzed NPL portfolio and coordinated with branches, SAM, and recovery teams to identify causes of default and implement strategies for recovery and portfolio improvement.

Improved credit turnaround time (TAT) through process re-engineering and data-driven MIS systems, enhancing operational efficiency and credit quality.

Liaised with Head Office and addressed internal, external, and SBP audit observations, ensuring timely rectification of credit-related issues.

Supervised and trained regional credit officers and branch staff, improving productivity, compliance standards, and audit performance across the region.

Ensured effective risk mitigation and collateral management, including monitoring of gold collateral, settlement approvals, restructuring cases, and maintaining regulatory compliance.

Managed and monitored a diversified credit portfolio across 65 branches and 6 area offices, supervising approximately 34,000 borrower accounts in Consumer, Agriculture, and SME segments.

Reviewed, processed, and monitored retail financing products, including Demand Finance Gold Loan, NBP Advance Salary, RF Consumer, and PM Low-Cost Housing Scheme.

Handled government financing schemes such as Prime Minister Youth Business Loan (PMYBL) and Kamyab Jawan Youth Entrepreneur Scheme using the SLIM digital application for approvals and monitoring.

Reviewed and processed Seasonal and General Financing facilities, including Cash Finance (Pledge) and Running Finance (Hypothecation).

Analyzed and reviewed credit proposals beyond branch discretionary powers for approval at the Regional Office credit setup.

Monitored post-disbursement borrower accounts to identify early warning signals and recommended remedial actions to prevent accounts from becoming classified.

Examined and evaluated loan applications to ensure creditworthiness, policy compliance, and proper documentation.

Reviewed and processed redemption proposals for approval at the regional credit management level.

Analyzed settlement proposals for non-performing loans (NPLs) within the Credit Risk Management Group (CRMG).

Coordinated with the Special Asset Management (SAM) department to ensure timely resolution and recovery of defaulted accounts.

Served as Branch Manager (BM) and Branch Operations Manager (BOM) at multiple NBP branches in the Bahawalpur Region (2012–2016), ensuring professional customer service and smooth branch operations.

Managed and monitored the branch advances portfolio, including review, analysis, and issuance of sanction letters for consumer and agriculture loans such as Gold Loans, Advance Salary, and Agri Production & Development Loans.

Supervised the deposit portfolio (liability side) and implemented strategies to achieve CASA deposit targets.

Oversaw overall branch operations, including cash counter, ATM operations, and general banking, ensuring compliance with operational policies and minimizing operational risks.

Handled customer service management, addressing client issues and maintaining high service standards to enhance customer satisfaction.

Supervised administrative and operational staff, coordinating workflow between departments to ensure efficient branch functioning.

Ensured strict compliance with internal policies, procedures, and regulatory guidelines, maintaining strong operational controls.

Maintained effective controls over customer accounts, deposit operations, fraud detection, loss prevention, and electronic banking systems.

Managed key banking functions, including government transactions & SBP reporting, remittance operations (DD, TT, MT, GD), clearing operations, ATM settlements, and branch GL balancing.

Led operational improvements and system transition, successfully migrating the branch from EBS to Profile Core Banking System and training staff for smooth implementation.