Zahida Perveen

Address: YG2, Parsa View, Frere Town, Near Clifton Bridge, Clifton, Karachi
| Cell: +92-3041751955 | E-mail : zahidaparveen2063@gmail.com

With an extensively diverse work experience in the Banking Sector, I am seeking to venture into a yet another challenging
position within a growing Financial Institution. I believe, I possess every skill set in the books and more to add value to the current
strengths of an organization and embrace necessary initiative to lead the Bank towards excellence”
Career Summary:
Institution Position / Title From Till Date Grade Location
Special Assignment-Recoveries 4 Sept 19 To Date SVP

Regional Business Head-South-B 30 Jan 15 03 Sept 19 SVP

Karachi
(SpecialAssignment) 6 Loss branches-
Prrticpate in GOS – Food Commodity
Financing, get allocation of Cenertes
Nonspecific Unit within Business 15 July 14 29 Jan 15 SVP Karachi
Development-
Regional Recovery Head, South B’ 12 Mar 14 14 July 14 SVP Karachi
First Women Bank Ltd Head of Recovery Division 9 Sept 13 11 Mar 14 SVP Karachi
Regional Business Head, South B’ 17 June 13 8 Sept 13 SVP Karachi
Officiating Head, HR Department 3 Apr 12 17June13 SVP Karachi
Area Manager - Sindh Baluchistan- 15 May 09 2 April 12 AVP / VP Karachi
Particiapte in Bidding of GOS- Food
Sindh and continuously attending this
assignment indviduly, First time Bid
prcess stsrted in this Department
Branch Manager, Sukkur, Sindh Sept 08 May 09 OG I Sukkar
Branch Manager, Larkana, Sindh dh Dec 93 Sept 08 OG III / II Larkana
Muslim Commercial Regional Office Larkana Apr 84 Nov 84 OG III Larkana
Bank Counter In charge Sept 83 Apr 84 Assistant Larkana

Work First Women Bank Ltd

Experience 30th January 2015 to 3rd September 2019
Regional Business Head- South-B
(Special Assignment)
A Region of All Loss branches handover with operational Profit of 44m with a honour of achieved Target of Incone for August 2019.
Analysing remaining branches under loss all over Pakistan / Reporting / Suggestions for income enhance

Elevated as the Regional Business Head for seven branches of South Region in loss, on 29th January 2015, and
was an active participant of the Southern Team, contributed efforts in converting 3 branches to profit from loss
within a short time span of one month, with further accelating efforts to improve business targets. Also
participated in Operational as and Trade Related matters of the branches/customers. Triggered the deposit
base, Trade Finance and the Advances of the region to its highest throughout the period strictly through my
commitment and dedication. Furthermore, continuous efforts vested into converting NPLs back to regular unit
of income. The widened scope has delivered a platform to prove my leadership qualities and further instil it
down the chain of command. I have been bestowed the management of the biggest and oldest region of
FWBL- comprising 7 Branches for good income paying unit.
Monitoring individual branch performances via periodic business review meetings where the individual branch
performances are discussed and plans updated in accordance with the requirements along side dynamic market
conditions, in order to ascertain a performance and service driven culture.
First Women Bank Ltd
15 July 2014 to 29 January 2015

Worked as: Nonspecific Unit within Business Development- Karachi

✓ Capture Deposit Market and open new accounts in different branches of FWBL
✓ Visit all Karachi branches and present detail report mentioning business enviourment as well their apperiance in the market.
✓ Support in developing SOPs for enhance Good Customer Dealing mostly for branches in Karachi.
First Women Bank Ltd
March 2014 to 14th July 2014
Worked as: Regional Recovery Head, South B’ – Karachi
✓ Remedial Management for Mortgages & SME
✓ Specialization in Collections, Recovery & Litigation for non performing loans (NPLs)
✓ Special Asset Management
✓ Administration & General Management
✓ Management / Handling of Law Enforcement Agencies & Police
✓ Risk & Threat Assessment for Organizations, Hotels, Residences, Loss Prevention
✓ Consultancy on Risk & Threat Assessment

First Women Bank Ltd

September 2013 to March 2014
Worked as: Head of the Recovery Division – Karachi
Objective: Formualate a Recovery Portfolio of Commercial Corporate Clients and was responsible for;
• Manging NPLS of three regions involving settlings in new areas.
• Supervising teams for efficent controls.
• Ensuring the achievement of given set targets fro recover in accaordance to the necessary treatement
under litigation.
• Assurance for the achivement of monthly targets set among regions- leading a team of 9 members and a
portfolio share of almost beyond 60%

First Women Bank Ltd

April 2012 till June 2013
Worked as: Officiating Head, HR Division
In 2012, I was instated with the responsibility of the Head the Human Resource (HR) Divison of the Bank and to
look after the entire HR Portfolio, including L&OD, Retention, Compensations, Transfers, Deputations and
Developing and implementation of the HR Strategy in line with the bank's strategy and business direction, with
added emphasis towards attracting, motivating and retaining key talent

• Setting direction for the entire HR division, provides support and guidance to the talent sourcing, training,
compensation & benefits and organizational development teems
• Ensuring that the human resources strategies support business needs by means of effective communication
and credible delivery of the programs.
• Managing and maintaining relationships with all business categories and functional heads to understand
their concerns and provide people solutions
• Building a performance oriented organization culture in line with business objectives and corporate
governance principles by promoting openness and trust through transparent HR processes.
• Ensuring internal equity amongst staff by providing a consistent job evaluation process to achieve the
optimal organization structure and rewards strategy
• Managing all processes related to the Pension, Provident and Staff Welfare funds and ensures accuracy and
compliance to regulatory requirements.
• Conducting in-depth market analysis and recommends a plan for investment of the funds in order to ensure
maximum returns with minimum risk
• Recommending distribution of income earned amongst the members of the fund basis in depth analysis
• Conducting meetings with the Board of Trustees of the funds and apprises them of the workings of the fund
and periodically updates on the funds to the Trustees and the employees.
First Women Bank Ltd
May 2009 till April 2012
Worked as: Area Manager - Sindh Baluchistan
Elevated as Area Manager Sindh Baluchistan in May 2009 and was an active participant of the Team South,
contributed efforts in achieving business targets and also participated in Operational as well Trade Related matters
of the branches/customers. Triggered the deposit base, Trade Finance and advances of the region to the highest
throughout the period. In view of my commitment and dedication. The widen scope has provided a platform to
prove my leadership qualities and I have successfully managed a biggest and oldest region of FWBL- comprising of 6
Branches for a good 3 years.
▪ Formulates Annual and interim business plans / budgets for relevant area in light of the current business
requirements whilst ensuring the same are aligned with the overall business strategy for
growth/conservatism, expansion/consolidation etc.
▪ Develops strategies to maintain deposit mix to a level where profitability and pricing of all liability products
are taken in to account. Also ensures the ration of asset and liability portfolio in relevant branches.
▪ Ensures functioning as per Operational, Credit manuals for optimum control over the functions of the area.
Ensures adherence to risk parameters, regulations guidelines set by internal and external regulators.
▪ Ensures all internal/external complaints are acknowledged and resolved within the assigned TATs for
improved service quality.
▪ Ensures frequent/required no. of visits in relevant branches for effective monitoring of the service delivery
as well as Development of long term professional relationships with high net worth customers.
▪ Monitors individual branch performance via periodic business review meetings where the individual branch
performances are discussed and plans updated as per requirements and market conditions, in order to
ascertain a performance and service driven culture.

First Women Bank Ltd

Dec 1993 to Sept 2009
Worked as Branch Manager, Larkana & Sukkar
I Joined FWBL in 1993 as a Manager Larakana branch and kept on managing the branch for 15 succesful years
through accomplishment of Targets and Team Management, my performance was recognized at every level
and I was awarded with numous awards, recognition certificates, through out my stay at Larkana Branch. I was
subsequently transferred to Sukkar Branch in 2008 where I stayed for around one year till my next elevation as
Area Manager.
▪ Implements annual and interim business plans / budgets finalized by the Area Manager. Ensures deposit
mobilization and growth of deposit base as per assigned targets.
▪ Interacts with identified current and prospective clients to increase market share.
▪ Ensures all internal / external complaints are acknowledged and resolved within the assigned time limit for
improved service quality. Manages customer retention for expanding customer base.
▪ Ensures all branch functions (Sales, Operations, and Customer Services) are managed as per Business Plan
and in line with the Banks policies and procedures.
▪ Ensures branch functioning as per Operational, Credit Manuals for optimum Controls. Ensures adherence to
risk procedural parameters, regulatory guidelines set by internal and external regulators for strong controls
to ensure improvement of Audit.
 Muslim Commercial Bank Ltd
Apr 1984 to Nov 1993
Worked as Officer at Region Office
I was transferred to Region Office Larkana in 1984 and stayed there for around 09 years. I worked in different
deparments and was an active participant of Region Team. I worked in;
• Trade Finance • Operations and Reconciliation
• Agriculture • Human Resource
Advances

Muslim Commercial Bank Ltd

Apr 1983 to Nov 1984
Worked as Counter In charge
Started my profession career from Muslim Commercial Bank Ltd from General Banking & Opoerations and worked
their in different domains of cash deparment, lastly I was a Counter In-Charge at Larkana Branch.

Education Degree Year College Details

MBA 1999-2000 Shah Abdul Latif University, Khairpur Executives
M.A 1985-1986 Sindh University, Jamshoro History
Bachelors of Arts 1983- 1984 Sindh University, Jamshoro Arts

Awards &
As Regional Business Head As Branch Manager
Achievements
- Best Executive for 2011 - Award of Young Leaders 2004
- Award for achieving Deposit Target 2011 - Award of Excellence 1997
- Award for achieving Advances Target 2011 - Award for highest number of Advances 1995-96
- Award for achieving the highest Profit for 2011 - Award for 100% Recovery 1994.
- Award for profitability in 1994.

Strengths ▪ Leadership and rational decision making skills

▪ Ability to create and cultivate a team environment for the execution of organizational goals
▪ Knowledge of various business Models, operating in Pakistan, with strong background of Financial Management
& Trade Businesses.
▪ Budget Forecasting & Financial Reporting on advanced Excel, Word and MS office application.
▪ Excellent interpersonal and communication skills.
▪ Committed to achieving Targets independently
▪ Travel Extensively
▪ Persistence along with an acute work ethic

Skills Software Application: Hands on Training on Software used in Banking Sector i.e. Auto Banker
• Ms. Windows, Ms. Word, Ms. Excel, Ms. Power point, Ms. Access, Internet

Personal
Husband’s Name Nazeer Hussain Channa
Date of Birth 3. September.1963
NIC # 43203-0493054-8
Religion Islam
Marital Status Married
Language Proficiency English, Urdu, Sindhi.