Freelance Banking & Finance Writer

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Author articles on SME lending, financial inclusion, and banking operations. Provides advisory services on micro‑finance best practices for digital platforms. Leverages extensive banking experience to produce industry‑focused content and thought leadership.

Regional Operational Manager / Branch Manager / Manager Credit & Microfinance

National Bank of Pakistan

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Led commercial lending and SME portfolios across Azad Kashmir and Khyber Pakhtunkhwa, overseeing credit appraisal, disbursement, and recovery processes. Supervised 30 branches and more than 300 employees at zonal level, ensuring compliance with SBP regulations and internal audit standards. Managed P&L turnaround, achieving profitability within 12 months for under‑performing branches and driving annual disbursements exceeding PKR 500 million. Launched gold, agricultural, and small‑loan products for over 1,000 clients and improved transaction volume by 25 % through new remittance and micro‑credit systems.