Muhammad Faraz Siddiqui

• Performed industry analysis to identify new offerings, prepared documentation for car financing, executed marketing campaigns, and conducted user acceptance testing for system enhancements. Managed general administrative tasks including event preparation, building management, departmental staff recruitment, and travel management. Implemented creative promotional strategies, resulting in increased customer satisfaction and retention rates. Collaborated in a fast-paced team to prioritize product features and develop a comprehensive product roadmap.

• Performed process re-engineering and created new processes, manuals, and guidelines to accommodate new business lines. Managed settlements of daily remittances via payment schemes using the NET-OFF system and processed bill payments through IRIS and BPS systems. Act as a business liaison between banks and bill payment vendor, resolving disputed cases through the SDRS (Switch Dispute Resolution System). Implemented automation in operational functions and spearheaded the execution of new projects. Conducted User Acceptance Testing (UAT) and Quality Assurance (QA) of SWIFT reports, ensuring accuracy and efficiency. Orchestrated daily settlement channels for major card networks (MASTER, VISA, JCB, and UNION PAY) and coordinated with the IT team for the successful execution of multiple projects. Revised Billers agreements and facilitated key ceremonies. Prepared operational guidelines, including the Schedule of Charges (SOC) for banks, ensuring compliance and efficiency.

• Built strong relationships with key stakeholders, facilitating collaboration and streamlined decision-making. Negotiated advantageous terms for clients in complex transactions, balancing profitability and risk mitigation. Stayed updated on banking regulations to minimize risk exposure for clients and organizations. Employed effective communication strategies to nurture long-term client partnerships.

• Drove operational efficiency through continuous improvement initiatives, streamlining processes in the Credit Analysis department. Contributed to portfolio diversification by selecting new customers based on rigorous credit analysis standards. Assisted the sales team in negotiating favourable terms, effectively balancing business growth with credit risks. Developed tailored financial models to accurately assess borrower capacity, enhancing credit evaluation practices.

Collaborated with managers to optimize time management through scheduling appointments and coordinating travel arrangements. Utilized data analysis to extract actionable insights for informed decision-making. Conducted regular operations reviews, identifying and implementing improvements. Support the creation of detailed financial models to evaluate potential acquisition targets.