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Administration & Management Coordination: oDevelop and execute the regional business plan for microfinance, Operations, Projects and Programme oLead and manage a diverse team, overseeing day-to-day operations and ensuring alignment with organizational goals. oBuild and maintain relationships with local authorities, donors, and stakeholders. Coordination for Environment & Natural Resource Management (ENRM) & Climate: oDevelop and implement environmental and climate-related projects, such as water management, agri-business, and climate-smart agriculture initiatives. oImplemented agriculture related intervention in BVDP, SLBAP-ABAD, CIMMYT-NARC and Arid Agriculture University, Rawalpindi and other research institutes. oCollaborate with local and international organizations to enhance agricultural research and climate resilience. oOversee the coordination of training programs and field-based activities for farmers and stakeholders. Coordination and Liaison with Stakeholders: oFoster relationships with national and international donors, governmental bodies, and local community organizations. oLead coordination efforts during disaster relief activities, including logistics and resource management. oAct as the primary liaison with regulatory authorities, ensuring compliance with organizational and legal standards. Compliance, Risk Monitoring, and Evaluation: oDevelop and monitor compliance strategies across all projects and operations to ensure adherence to policies, SOPs, and donor regulations. oLead risk management efforts, analyzing operational data and implementing improvements as needed. oConduct periodic evaluations to assess project impacts, providing detailed reports and recommendations to senior management.

Compliance Audits & Reporting: oConducted compliance audits covering all statutory and AML/CFT requirements at the regional level. oEnsured timely and accurate reporting to the Securities and Exchange Commission of Pakistan (SECP) and communicated any updates in procedures and policies to the staff. Building a Compliance Culture: oDeveloped and fostered an organizational culture of compliance by training and empowering field staff to stay vigilant in daily customer interactions. oProvided capacity-building support to community institution office bearers to enhance AML/CFT compliance and general awareness within the community. Ongoing Monitoring & Reporting: oCoordinated with the Programme Manager for Compliance to ensure timely reporting and prompt actions related to AML/CFT. oMonitored customer documentation and data to ensure it was up to date and compliant with identification processes. oConducted periodic reviews of AML/CFT requirements, especially in the case of triggering events, and ensured all relevant documentation was appropriately handled. Suspicious Transaction Monitoring: oMonitored and reported suspicious transactions promptly to the Manager of Compliance for further sharing with the Financial Monitoring Unit (FMU). Portfolio Performance Tracking & Analysis: oTracked and analyzed portfolio performance, including the credit cycle process, account maintenance, and recovery strategies. oProvided detailed reports on portfolio growth and overall performance, ensuring strategies were aligned with organizational goals. Credit Policy & Risk Management: oLed the implementation of credit policies and monitored IT risk management to ensure business activities were managed securely. oPlayed a key role in designing and implementing tools for effective risk management in commercial activities.

Credit Expansion & Implementation: oIdentified potential markets and mapped areas for microfinance services. oWorked closely with managers to establish new branches and field units, ensuring growth and access to underserved areas. oSet up village branches and points of sale in consultation with managers to expand reach. oIncreased client base by adding new clients and deepening engagement in existing areas. oIntroduced new financial products based on market demand and regional potential. oPlanned and monitored monthly, quarterly, semi-annual, and annual targets for disbursements, active clients, loans, and portfolio growth. oEnsured achievement of all disbursement and recovery targets on time. oConducted market intelligence to stay informed about competitors and industry trends. Quality Assurance & Portfolio Management: oEnsured strict implementation of policies and procedures for credit programs. oFocused on client retention strategies and continued acquisition of new clients. oAdhered to regulatory policies and ensured compliance with industry standards. oTrained staff on Anti-Money Laundering (AML) and Counter Financing of Terrorism (CFT) regulations. oEnsured the successful implementation of AML/CFT policies across the organization. oFocused on timely recovery of loans with no overdue payments and minimized portfolio risks. oManaged portfolio performance by monitoring arrears and overdue cases. Human Resources & Staff Development: oCoordinated with HR for staff hiring, ensuring the recruitment of qualified individuals. oConducted performance appraisals and employee evaluations at field locations. oDeveloped and implemented capacity-building and succession planning programs for Credit Relationship Officers (CROs), Microfinance Officers (MBs), and other staff members. oOffered career counseling to staff, focusing on professional development. oLed conflict resolution efforts within the team, fostering a positive working environment. oPrevented fraud and ensured robust risk management practices were in place. oEvaluated and improved the performance of staff through continuous monitoring and feedback.

As District Programme Officer, I was responsible for overseeing the implementation and management of multiple community development projects, with a focus on microfinance, social mobilization, and livelihoods, while ensuring efficient administration, strategic planning, and coordination. Key Responsibilities: Administration & Management: oDeveloped and implemented strategic plans for the Programme Area. oRecruited, trained, and managed a team of professionals. oCoordinated microfinance targets, budgets, and ensured timely achievement of goals. oManaged logistics, procurement, and administrative functions. oAdvocated for the organization’s mission within the community. oEnsured compliance with local regulations and organizational policies. oIdentified funding opportunities and developed partnerships. Program/Project Management: oCoordinated and ensured smooth execution of multiple projects, including PSDF, USAID, UN Women, and PPAF-funded initiatives. oManaged social mobilization, microfinance, child protection, and livelihood projects. oLed initiatives on livestock management, health, and environmental sustainability. oSupervised community health centers and empowerment projects for women. Relationship & Coordination: oFostered relationships with local government, donors, and stakeholders. oCoordinated with agricultural, health, education departments, and research organizations. oWorked with UN Women, PPAF, and other partners for project reviews and progress sharing. Monitoring & Reporting: oEstablished systems for monitoring and evaluating project impact. oProvided regular progress reports and feedback to senior management. oEnsured timely and accurate documentation for program activities.

As a Senior Social Organizer & Senior Credit Officer, I played a key role in community mobilization, microfinance program management, and the development of sustainable linkages between local communities, government agencies, and financial institutions. I led various programs to empower rural populations and improve livelihoods. Key Responsibilities: Community Mobilization & Leadership: oDeveloped strategies for community interaction and led the social organizing team. oMotivated villagers to organize themselves and engage in long-term community development. oBuilt capacity among community resource persons (CRPs) and community subject specialists (CSS). oCoordinated community needs assessment and facilitated project prioritization. Microfinance Program: oLed the Microfinance team to ensure timely disbursement, recovery, and target achievement. oLinked communities to financial institutions, enabling access to resources. Project Management & Coordination: oSupervised and monitored various projects, including Ham Qadam (Agha Khan Foundation), SLBAP (Sustainable Livelihood Barani Area Project), and NPIWC (National Programme for the Improvement of Water Courses). oCoordinated with government departments, NGOs, and financial institutions for sustainable community linkages. Reporting & Documentation: oPrepared reports on social mobilization, microfinance activities, and project outcomes. oDeveloped site-specific environmental and agricultural plans in consultation with district managers.

As a Social Organizer and Credit Officer, I played a pivotal role in community organizing, data collection, microfinance program management, and liaison with local government and stakeholders to enhance rural development initiatives. Key Responsibilities: Community Organizing & Capacity Building: oCollected socio-economic data and prepared village profiles and micro-plans for rural communities. oOrganized local communities into appropriate forms of organization tailored to their needs. oTrained local leaders and community members in organizing and managing community activities, savings, and skills training. Microfinance Program & Credit Management: oManaged the Rural Credit and Enterprise Development (RCED) program, ensuring credit disbursement and recovery. oDeveloped and implemented an effective credit disbursement and recovery system. oFocused on achieving financial growth, self-sufficiency, and ensuring 100% recovery in the microfinance program. Program Management & Coordination: oCoordinated Natural Resource Management (NRM), Rural Credit, and Infrastructure Development programs. oCollaborated with local government departments and market stakeholders to ensure the smooth running of programs. Monitoring & Reporting: oEnsured transparency and proper reporting of all program activities. oMonitored dues and overdues, and facilitated timely recoveries with field staff.

As a Technical Sales and Development Officer, I contributed to the growth of Bayer Agro Sciences by providing technical expertise and training to farmers and dealers, promoting crop protection solutions, and fostering strong relationships with government agricultural departments. Key Responsibilities: Farmer Training & Development: oTrained farmers on crop production, crop protection, new agricultural technologies, and marketing strategies to enhance their productivity. oProvided awareness and practical guidance on pest management and the use of Bayer’s products. Sales Promotion & Product Advocacy: oMotivated farmers and dealers to use and recommend Bayer’s products, driving sales growth. oMet sales targets for various products, ensuring company goals were consistently achieved. Collaboration with Government Departments: oEstablished and maintained contacts with government agricultural departments, including Agricultural Extension and Soil Conservation, to stay updated on agricultural trends and regulatory changes. Field Staff Training & Support: oConducted training for the company’s field staff to ensure effective product promotion and technical support for farmers.

1. Women Training on Livestock Management Role: Regional Project Manager, Chakwal Tenure: July 2018 – Nov 2019 Donor: Punjab Skills Development Fund (PSDF) Description: Trained 2,000 women on livestock management to promote women's empowerment in rural areas. 2. CIMMYAT- NARC/PARC Role: Project Coordinator Tenure: Sept 2018 – to date Donor: CIYYMYT-NARC Description: International Maize and Wheat Improvement Center for the provision of improved seed varieties of wheat & Maize farmers by fostering them in Farmer Seed Groups and then seed multiplication and dissemination to other farmers. 3. Hybrid Yield Verities of Pulses Role: Project Coordinator Tenure: Closed Donor: ICARDA-NARC Description Pulses seed multiplication like lentil and chick pea through demonstration plots established in different locations of farmers. 4. Economic Empowerment of Home-Based Worker Women Role: District Project Supervisor, Khushab Tenure: Sept 2013 – Nov 2014 Donor: UN Women Description: Developed 11 cooperatives for 1,200 home-based women workers, fostering partnerships with traders, NGOs, and local organizations. 5. Multi-Micronutrient Powders (MMNP) Project Role: District Project Coordinator Tenure: July 2012 – Aug 2014 Donor: Micronutrient Initiative (MI) Description: Targeted childhood anemia in children (6–24 months) by providing MMNPs to 17,000 beneficiaries in underserved areas. 6. Livelihood Enhancement & Protection (LEP) Role: District Project Coordinator, Khushab Tenure: July 2011 – Sept 2013 Donor: PPAF Description: Enhanced livelihood opportunities for pro-poor households through skills training, asset transfer, and enterprise development initiatives. 7. Youth Economic Empowerment (TVET) Role: District Team Leader/Coordinator Tenure: Aug 2012 – Dec 2012 Donor: Plan Pakistan Description: Promoted vocational training for 32,000 youth (girls and boys) through awareness events, scholarships, and linkages with local enterprises. 8. WES-Water, Environment & Sanitation (PATS Approach) Role: District Project Manager, Chakwal Tenure: Sept 2011 – Aug 2012 Donor: Plan Pakistan Description: Implemented sanitation programs using the PATS approach, achieving Open Defecation Free (ODF) communities and promoting sustainable practices. 9. Nationwide Poverty Targeting Survey (BISP) Role: District Team Leader Tenure: Sept 2010 – Aug 2011 Donor: Government of Pakistan Description: Led a poverty survey for BISP to identify eligible households for social safety net programs. 10. School Council Capacity Building Project (SCCBP) Role: Team Leader/Coordinator Tenure: Feb 2010 – Aug 2011 Donor: Punjab Education Sector Reform Program Description: Activated and trained school councils for better community engagement and educational reforms. 11. Community-Led Total Sanitation (CLTS) Role: Project Officer Tenure: June 2007 – July 2008 Donor: World Bank (WESP) Description: Mobilized communities for sanitation without subsidies, achieving hygiene improvements. 12. Pakistan Initiative for Mothers and Newborns (PAIMAN) Role: Relationship Officer Tenure: July 2007 – June 2009 Donor: USAID Description: Raised awareness to reduce maternal and infant mortality in rural areas through community mobilization. 13. Sustainable Livelihood in Barani Areas Project (SLBAP) Role: Senior Project Officer Tenure: July 2005 – June 2010 Donor: IFAD Description: Improved governance and livelihood through community-driven development in Barani areas. 14. National Program for Improvement of Water Courses (NPIWC) Role: Senior Social Organizer Tenure: Dec 2005 – Feb 2007 Donor: Government of Pakistan Description: Enhanced irrigation efficiency and conservation practices among local farmers. 15. National Rural Support Programme Role: Project Focal Person Tenure: Dec Closed (5years) Donor: USAID/ASP Description: Strengthening of VOs/CBOs/NGOs through Provisions of Small Grants for different community interventions projects