Usman Jawaid

• Developed and managed a portfolio of liabilities products, with a focus on increasing revenue and cross-sell opportunities.
• Conducted market research and analysis to identify new product opportunities.
• Worked with product team to create new products and services.
• Priced products and services to maximize revenue.
• Launched marketing campaigns to promote products and services.
• Worked with key stakeholders to ensure that the portfolio met the needs of customers and the business.
  

• Responsible for the development and execution of customer value proposition in terms of product, pricing, process & channel strategy
• Tracking P&L variances from budget & execute strategies to ensure NFI & NII targets are met.
• Designing and implementing campaigns/promotions to promote portfolio growth.
• Working in close liaison with Treasury to offer hybrid rate pricing options as a unique selling proposition for Auto and Home Finance Customers
• Provide leadership, support, and training through various training programs, to create better understanding of mortgage-based lending products among the employees.

Responsible for managing the retail asset and liability products. This includes developing and implementing new products and services, as well as managing the existing product portfolio.

Responsibilities:

• Develop and implement new Islamic banking products and services that meet the needs of the bank's customers.
• Manage the existing product portfolio, ensuring that it is competitive and meets the needs of the bank's customers.
• Develop and execute marketing and sales strategies for the retail Islamic products.
• Work with other departments within the bank to ensure that the Islamic banking division is integrated with the SCB retail banking over all vision.
• Monitor the performance of the Islamic banking retail division and make recommendations for improvement.
• Tracking P&L variances from budget & execute strategies to ensure NFI & NII targets are met.
  

Managing sizeable portfolio (corporate & commercial/SME) for the region and maximizing PPC (Product per customer) ratio by driving campaign to cross sell retail asset products on need based scenarios

Drive Service Culture by working with Management and Cross Functional teams in aligning front end and back end business Key Performance Indicators (KPIs) towards achieving customer service excellence.