Muhammad Sajid Naveed

Nationality: Pakistan
Languages: English
Country Experience: Pakistan

Years of Experience:
10

Expertise:
Business Planning, Consumer Protection, Individual Lending, Product Design, Training

Accreditation Certificate in Microfinance Training of Trainers 6 (MFTOT 6) conducted by Asian Development Bank Institute & World Bank's Tokyo Development Learning Center and Completion certificate in Microfinance Distance Learning Course conducted online by United Nation Capital Development Fund

Academic Qualifications:
M.Sc. Hons. Agricultural Economics, University of Agriculture, Faisalabad, Pakistan, 2003

Program Manager Microfiance
Rural Community Development Society
Pakistan
January 2011 - December 2011
1. Responsible for leading RCDS overall microfinance operations with highest productivity, efficiency and sustainability standards. 2. Managing a team of 131 professionals, 19,514 active clients and Rs. 257 million outstanding loan portfolios at 99.7% recovery rate. 3. Efficiently managing a range of products; credit & enterprise development, enterprise development facility, livestock financing & strengthening microenterprises under microfinance innovation and outreach program. 4. Implementing projects of dairy value chain development, widow strengthening through social safety nets and branchless banking. 5. Responsible for the risk management, policy compliance, system building, operation strengthening, strategic business planning and directing expansion initiatives. 6. Spearheading product development & refinement, critical business analysis, and improvement of business processes through standardization in procedures, efficacy and improved control systems. 7. Liaison with stakeholders and representing organization at various forums. 8. Increased RCDS microfinance outreach from 15,700 clients to 19,514 clients in just 7 months. Revised policy for all MIOP components to accelerate business, mitigate risk and ensure client protection.

Program Manager Economic Development
Human Development Foundation
Pakistan
September 2007 - December 2010
1. Responsible for technical guidance to regional teams on microfinance, enterprise development, agricultural livelihoods, livestock and technical & vocational trainings program pillars. 2. Developed strategic and operational plans 2008, 2009 & 2010. Prepared activity based budget of economic development program and remained fully involved in financial management of allocated resources. 3. Took control of ???Social Mobilization for Microfinance??? project in January 2008 when HDF closed 2007 with 70% target achieved. Expanded business from 3 branches to 10 branches and achieved 132% targets in 2008, 121% in 2009 and 104% 2010. 4. Launched the concept of joint ventures with individuals and communities to promote agriculture and livestock on commercial lines. 5. Supervised integrated pest management project at Rahim Yar Khan to reduce the use of pesticides by replacing them with organic methods. 6. Revised HDF microfinance policy and developed new products which are under implementation with 100% success rate for last three years. 7. Formed apex farmer organizations to make best use of milk collection chillers installed by Pakistan Dairy Development Board in HDF program area. 8. Organized awareness raising campaigns and workshops to equip farmers with information about latest varieties and breads, rational use of agricultural inputs, marketing tactics and economy of scale through collective bargaining.

Coordinator Social Sector
Khushhali Bank Limited
Pakistan
September 2006 - September 2007
1. Supervised the community mobilization and group formation process by partner NGOs. 2. Conducted desk and field appraisals of 30 NGOs to conclude their suitability for partnership, recommended qualifying NGOs for business alliance and finalized agreements. 3. Monitored performance of partner NGOs in 38 districts and identified areas for improvement. Conducted capacity building sessions to augment their skills in social mobilization, client handling and product marketing. 4. Facilitated partner organizations for smooth operations and ensured their on track performance. Produced monthly and quarterly progress reports. 5. Conducted orientation sessions on alliance operations to new recruited staff (KB Batch 51 -65) at National Institute of Banking and Finance Islamabad. 6. Represented Khushhali Bank at various forums. 7. Developed policies and procedural manuals, prepared quality assurance and monitoring tools and facilitated in internal and external audits. 8. Accelerated the pace of client registration and increased business through alliance operations by 170%.

Relationship Manager
Khushhali Bank Limited
Pakistan
March 2006 - September 2006
1. Provided effective leadership to operations, sales, risk management and finance departments of Khushhali Bank and created tremendous interaction between all policy, control, compliance and support functions. 2. Managed resource allocation, staff meetings, business reviews, clients handling and strengthened operational controls and compliance with service delivery standards. 3. Implemented standardization, convenience and fiscal responsibility in credit disbursement process, promoted meritocracy and strict compliance with customer services standards. 4. Promoted team spirits and raised motivation level among staff members. 5. Enforced KB service delivery standards and problem resolution procedures for better reputation and customer satisfaction. 6. Prepared time driven activity based costing and efficiently controlled expenses against allocated budget. 7. Analyzed business trends, formulated plans & strategies for profit maximization. The branch maintained zero delinquency, achieved 100% business targets and become profitable business outlet during my supervision.

Credit Specialist 1
Khushhali Bank Limited
Pakistan
September 2004 - March 2006
1. Standardized credit disbursement process, ensured policy compliance, credit quality and eliminated possibility of dual loaning (not a single dual loan in my tenure). 2. Defined loan limit in accord with bank???s rules & regulations for more than 15000 loan applications. Maintained accurate, transparent and reliable record at all level of operations. 3. Conducted pre and post disbursement account monitoring. Guided and facilitated sales personnel in dissemination & implementation of policy knowledge. 4. I was recognized as the best Credit Specialist -1 in the bank with respect to productivity, efficiency, accuracy and team work.

Download CV

Date Available:
10 Oct 2011

Preferred Assignment:
Short Term or Long Term

Contact:
sajidnaveed@hotmail.com

1st Floor, Hajvery Plaza, Khajooranwala Road
Begum Kot, Shahdra
Lahore
Punjab
54000
Pakistan

Telephone: +92-346-7460297
Fax: +92-42-37902831

About Us  |  Contact Us  |  Partners  |  Help  |  Site Map  |  Terms and Conditions  |  Privacy Policy  |  Manage Subscriptions

© CGAP 2012 ALL RIGHTS RESERVED