What are your three most important achievements to date? Why do you consider them important?

As part of work experience, I had the opportunity to work in various fields within the microfinance industry which entailed policy making in a multi-disciplinary paradigm. This paradigm was defined by the double bottom line operations of Kashf Microfinance Bank Limited; to earn profits for financial sustainability and to become a tool of poverty alleviation through provision of financial services to the poor.

One of my major achievements at Kashf was designing Kashf motorbike leasing product (Kashf Sawari). This product was designed to introduce formal leasing to the low income salaried employees of private as well as public institutions of Pakistan. The interesting aspect of this project was that at the time none of the formal financial institution offered this product. The product was aimed at bringing about sustainable and effective change in the lifestyles of the poor population. Moreover, it aimed at diversifying the portfolio base of the microfinance sector which was hitherto focused on providing credit to either agriculture sector or manufacturing/ trading sector. The product aimed at including the poor working in the services sector into the fold of microfinance. In order to effectively launch the product, proper groundwork was laid down which included conducting primary research focused on exploratory, descriptive and casual relationships between markets linkages, supply and demand, marketing agents and existing players in the market. The research phase was followed by development of the product manual. After the product manual we started a pilot project in Mid 2010, I was alleviated to product head in December 2010. I was initially part of the the team which was responsible for the sales of this product. However due to my competence I was allivated to Product Head in October 2010. I was given a team of 17 individuals and a distinctive position in the structure of the organization. From joining Kashf Micorinfnace bank Limited as an associate and to travel up the ranks to the position of product head is an achievement which I am very proud of.

Why do you want a graduate degree from LUMS? How will you benefit from the programme you wish to attend at LUMS? Being the pinnacle of

As a result. Thirdly. I also had the opportunity to play a key role in the conceptualization and development of social and environmental policy at Kashf Microfinance Bank Limited. I also had the opportunity to gain firsthand experience in understanding the needs of the poor and marginalized segment of the society. Moreover. I approached the human resource department of various companies and asked them to collaborate with KMBL in order to facilitate their employees. and help develop products and services aimed at eliminating barriers of economic growth for the poor. in line with the bank s mission to bring about a social change. . some of the companies agreed to pay a certain fraction of the installment on behalf of their employees As a research and product development expert at Kashf Microfinance Bank. Firstly. Shore Cap International. This entailed working alongside multilateral organization like Women World Banking. Incidentally. the sales team hired for the job was properly trained and incentivized in a way that they were awarded bonus for every sale of the motorbike. the research team identified that the target clients prefer insurance against theft or damage and are willing to pay extra for it.successful mainly due to three factors. Secondly. The most interesting aspect of this project was the creation of linkages between various institutions for capacity building of female entrepreneurs and to help them gain access to sustainable sources of livelihoods. my primary challenge was to help the bank in striking a balance in attaining financial sustainability without compromising on its goal of poverty alleviation and creating equitable opportunities for all. International Finance Corporation and Nielsen to help design micro credit and micro savings facilities for the poor. as assistant manager institutional marketing. while I had to provide input to bank in terms of identification of untapped microfinance market segments in Pakistan.

Firstly. some of the companies agreed to pay a certain fraction of the installment on behalf of their employees. I approached the human resource department of various companies and asked them to collaborate with KMBL in order to facilitate their employees. Thirdly. it aimed at diversifying the portfolio base of the microfinance sector which was hitherto focused on providing credit to either agriculture sector or manufacturing/ trading sector.Another major project that I was involved in was the research. supply and demand. The product was aimed at bringing about sustainable and effective change in the lifestyles of the poor population. . This product was designed to introduce formal leasing to the low income salaried employees of private as well as public institutions of Pakistan. descriptive and casual relationships between markets linkages. The product was co-branded with an insurance company Ahmed Bilal Hakeem in order to create awareness regarding the benefits of the insurance that was not being offered by the informal lenders. The interesting aspect of this project was that at the time none of the formal financial institution offered this product. The product was successful mainly due to three factors. In order to effectively launch the product. As a result. Moreover. marketing agents and existing players in the market. The product aimed at including the poor working in the services sector into the fold of microfinance. Secondly. the sales team hired for the job was properly trained and incentivized in a way that they were awarded bonus for every sale of the motorbike. product development and marketing of motorbike leasing facility. as assistant manager institutional marketing. The research phase was followed by development of the product manual for which the input was gained from existing practices of commercial banks and informal leasing agents. the research team identified that the target clients prefer insurance against theft or damage and are willing to pay extra for it. proper groundwork was laid down which included conducting primary research focused on exploratory.

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