Senior leadership roles in SME, Commercial and Agriculture Banking; credit risk and portfolio strategy; and digital lending transformation.

Wing Head – Agriculture Sales, Marketing & Collection Wing

National Bank of Pakistan

Leading a senior full-time role at NBP, Pakistan's largest government owned commercial bank (USD 20.2B+ in assets, 1,500+ branches), driving strategic growth and risk oversight across SME, Commercial and Agriculture Banking. Key responsibilities:

• Define and execute growth strategy for the agriculture finance segment, including product design, pricing and distribution across 34+ regions and 10 clusters

• Own credit risk frameworks and portfolio performance, ensuring alignment with SBP regulatory requirements and the bank's internal risk appetite

• Lead digital lending transformation initiatives and partnering closely with technology and data teams to design and roll out scalable digital products

• Enhance credit decisioning through data driven monitoring (disbursement pipeline analytics, bottleneck identification and TAT) and compliance oversight across field operations

• Represent NBP in regulatory and policy engagements, including SBP's Zarkheze 2.0 consultative process at Deputy Governor level

• Lead and mentor cross-functional regional teams, reporting performance and strategic outcomes to executive leadership

Earlier at NBP (Wing Head – Commercial Business & SME Financing, 2023–2025): Managed a credit portfolio exceeding PKR 175 billion, reduced non-performing assets by 15%+, delivered 23%+ YoY customer growth and 32%+ portfolio growth, while leading credit teams and improving approval cycle-times by 20%. Core expertise: SME & Commercial Banking · Agriculture Finance · Credit Risk Management · Portfolio Strategy · Digital Lending Transformation · Stakeholder & Team Leadership