Usman Junaid
@usmanjunaid
I bridge banking operations, data analytics, and digital strategy for growth.
PakistanWhat I'm looking for
I've managed banking portfolios up to PKR 7.2 billion and led regional sales across 18 branches, combining operational discipline with data-driven decision-making.
At Bank Alfalah, I supervised a consumer finance hub spanning 6,761 Auto and Home Finance accounts while maintaining SBP compliance. At Askari Bank and Zarai Taraqiati Bank, I managed corporate lending portfolios, mobilized assets and liabilities, and improved branch performance and customer engagement.
Since 2020, I've worked through Upwork on reputation management, business intelligence, SEO, Google Knowledge Panels, and corporate communications. I use SQL, Power BI, DAX, and Excel analytics to help organizations scale while protecting their brand authority.
Experience
Work history, roles, and key accomplishments
Digital Strategist | Corporate Communication & Business Analytics Manager
Oct 2020 - Present (5 years 10 months)
Worked as Digital Strategist | Corporate Communication & Business Analytics Manager at Upwork.
Provided digital strategy and corporate communication consulting, specializing in brand reputation management and business intelligence.
• Joined as “Regional Sales Manager” in Zarai Taraqiati Bank Limited, to mobilize assets and liabilities of 18 branches under the jurisdiction of Faisalabad district.
• Developed and implemented strategic initiatives to boost branch performance and customer engagement.
• Collaborated with cross-functional teams to streamline operations and improve overall efficiency.
• Joined as “Relationship Manager” Corporate & Commercial Assets Lahore Region, to book new loans as well as look after existing portfolio with asset volume of PKR 01 billion.
• Fostered strong relationships with clients, resulting in increased customer satisfaction and loyalty.
• Analyzed market trends and customers’ needs to optimize service delivery and product offerings.
• Supervised consumer finance hub managing a PKR 7.2B ($25M+ USD) portfolio across 6761 Auto & Home Finance accounts.
• Ensured rigorous compliance with SBP regulatory standards, achieving consistent audit excellence across all managed accounts.
Managed CRM and operations at Bank Alfalah Limited.
Joined Bank Alfalah in May, 2008 as (Range III). Worked as “In-charge Car Ijarah Sales & Operations” Main Branch Gulberg, Lahore. Managed portfolio of 650 clients having PKR 350 million single-handed and rewarded with the promotion as (Range IV).
Posting Places & Assignments
Worked as “In-charge Credits” in HBL, Main City Branch, Sialkot. Looked after Consumer & SME Financing with asset volume of PKR 500 million.
Education
Degrees, certifications, and relevant coursework
University of the Punjab, Lahore
Master's Degree
CGPA 3.20
University of the Punjab
Master of Information & Operational Management, Operations Research
2003 - 2005
University of the Punjab
Bachelor of Science - BS, Economics
2001 - 2003
University of the Punjab
Bachelor of Science, Economics
2001 - 2003
Completed a Bachelor of Science degree with a major in Economics.
University of the Punjab
Master's Degree
Grade: CGPA 3.20
Earned a Master's degree with a CGPA of 3.20.
Tech stack
Software and tools used professionally
Availability
Location
PakistanAuthorized to work in
Job categories
Skills
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