EDUCATION

1981

B.A.

• English Language
• English Literature
• Economics

University of the Punjab, Lahore

1983

M.A. (English Literature)

University of the Punjab, Lahore

1999

MBA (Marketing)

Institute of Business Administration,

University of the Punjab, Lahore

RESEARCH

Prepared and Presented research reports on Export Marketing, Marketing Management Strategies, Managerial polices, Current Advertising trends, Advertising Agencies of Pakistan e.t.c.

AREAS OF INTEREST

Business Communication, Financial Institutions, Banking Credit & Management Investment & Security Analysis, English Language And Literature, Marketing & allied subjects

PROFESSIONAL EXPERIENCE

1985 Todate Habib Bank Limited

Credit Manager – 20 Years Professional Experience (Credit)

• 20 year professional experience in matters relevant to the finances department involving tasks like project appraisal, trade information, processing of proposals, completion of documentation and sanctions of finances, both fund-based and non-fund based.
• Experience in collection/remittance of central excise duty on advances, sanction, disbursement and documentation of qarz-e-hasna and correspondence relating to advances and of general nature.

• Extensive exposure in maintaining, preparing and management of accounting system, cash flow system, balance sheets and budget quality control systems.

• Established CAD in Region “B” & in the required No. of branches within purview. Suffered teething problems initially, however able to over come. Thus stream lining process at various levels.
• Worked as an officer (Credits) In-charge Consumer Finance at the Mall Center, Lahore, looked after Personal Loans, Auto Finance, Home Loans, Lifestyles.
• Front End Automation Program for MISYS ONLINE CONSUMER LENDING PROGRAMME centralized at HBL RHQ-B for 54 branches.
• Manager (Credits) at Chowk Hall Road Branch, Lahore.
• Currently looking after as CFPU & Processing Unit In-charge at RHQ ‘B’, Lahore

COURSES/ TRAINING PROGRAMMES/ ACHIEVEMENTS

• Course / workshop on Centralized processing of consumer finance at MDI – Karachi – February 10 – 05 March 2005
• Diploma in the Study of Advanced Marketing by Institute of Marketing & Sales – November 2004 – March 2005
• Training Program on ‘Credit Analysis & Risk Management at MDI Karachi May 28 to June 02, 2001
• Course on Advances Service Management at MDI Karachi. July 17 –18 2000
• Course on Introduction to Foreign Exchange – MDI, Lahore March 12-22, 1995
• Course on Service Management Program at MDI, Lahore Nov.12-13, 1999
• Course on Market Place Analysis at MDI Lahore Dec.01-04 1999
• Course on Financial Analysis and Tools for Effective Credit Decision at MDI, Lahore
• One year Basic Training of Banking Operations at the Training Institute, Lahore July 1984 to June 1985. Familiarization of the entire Banking practices of the times.
• Course on “Banking Operations at MDI, Lahore
• 3 Weeks Course on “Working Capital Analysis” at MDI Islamabad

RESOURCE PERSON FOR

Working as a ‘Resource Person’ for

• Banking Credit Management and Operations at UMT
• “Investments and Marketable Securities” at Punjab Computer College, Lahore

Served as a Resource Person for

• Post Graduate English classes at the white House Education Center/Stream-Line English for two years.
• Spoken English at the Streamline English Language Center for two years.
• Spoken English at the Pakistan American Cultural Center (PACC) for three years.
• Spoken English at the Lingua Home (Representative of BBC English and sub-agent for Tanfah for 1-1/2 year through modern Audio/Visual Techniques.
• “Business Communication and Report Writing at University of Management and Technology Lahore as a member visiting faculty.
• “Marketing of financial services at PCBA-PICS, Lahore (University of Central Punjab)
• “Bank Management and Financial Institutions” at PCIT – Gujranwala Campus.
• Conducted Teachers’ Training Program for English Language Proficiency at University of Management and Technology, Lahore as a Resource Person.
• Conducted Soft Skills Programs at MDI of HBL

TRAINING PROGRAMMES (OTHER ACTIVITIES)

• Workshop of English Language Teaching conducted by FEP International (Pvt) Ltd. on ELT situation in the classroom.
• Attended 11^th Annual International Conference on Society of Pakistan English Language Teachers (SPELT)
• Attended Annual International Conference (2002) of Society of Pakistan English Language Teachers (SPELT)
• Teaching for new millennium (SPELT Conference)
• Learning to teach English in English (SPELT)
• Teachers in action: Research and Methodology Perspective (SPELT Conference)

· Attended International Conference on vision of Education in 2035 in Pakistan arranged by Beacon House System. The salient features of this Conference were:

1. Participation by International delegates having a cross culture exposure
2. Live Video conferencing of delegates from USA & Europe like eminent educationist – Mr. Noam Chomsky and others.